38
  • Type
  • Single Family Residence
  • 4
  • Bedrooms
  • 2
  • Bathrooms
  • 0
  • Garage
  • 1474 Sq Ft
  • Area Size
9390 SW 190th St, Cutler Bay FL 33157 | Miami-Dade County | A11959140
  • $825,000

Description

Immaculate single-story home situated on a spacious lot, this beautifully maintained 4-bedroom, 2-bathroom home offers multiple living areas, including a dedicated office and family room. The interior boasts durable flooring, recessed lighting, and an updated kitchen with white cabinetry, stainless steel appliances, ample counter space, and a seamless connection to the main living areas.

Spacious bedrooms and updated bathrooms feature modern finishes throughout. Enjoy a covered sunroom with a wood-beam ceiling, fully equipped with impact windows and doors. The private backyard includes a paved patio, swimming pool, and lush landscaping—perfect for entertaining or relaxing.

Additional highlights include a circular paver driveway, gated side access, and a detached storage structure with space for extra vehicles or watercraft. Conveniently located near schools, parks, shopping, and major roadways. No HOA.

Property Overview

This is a 4-bedroom, 2-bath home of about 1474 square feet at 9390 SW 190th St, Cutler Bay FL 33157 (Cutler Bay 33157), listed at $825,000.

Monthly Costs, Stated Plainly

This home has no mandatory HOA (single-family / no association on record).

The tax of record is $3,260 (2025). As an ESTIMATE ONLY — Florida reassesses at sale — at this price and a Miami-Dade rate near 2.0%: without homestead, about $16,500/yr (≈ $1,375/mo); with the homestead exemption on a primary residence, about $15,500/yr (≈ $1,292/mo). Confirm with the Miami-Dade Property Appraiser and a tax professional — these are estimates, not quotes.

Frequently Asked Questions

What is the list price, and what typically conveys with a home like this?

The list price is $825,000. The property includes a private, in-ground pool. Fixtures and built-in appliances generally convey, but the furnished status is not stated on the MLS record and must be confirmed.

Community or on-site amenities are recorded; please inquire for specifics. To verify what conveys with the home versus shared HOA features, reach out to Christopher Lazaro, Cutler Bay Real Estate Advisor.

Where exactly is it, and what should I know about the location?

The property at 9390 SW 190th Street is located in Cutler Bay, Florida, within the 33157 zip code. It is situated in a residential area of the broader coastal corridor south of Miami.

For a detailed discussion of the neighborhood's specific attributes and market conditions, please contact Christopher Lazaro, Cutler Bay Real Estate Advisor, to schedule a consultation.

What are the HOA / association fees, and what do they cover?

This property at 9390 SW 190th St is a single-family home with no mandatory homeowners association. The owner is responsible for all utilities and property upkeep.

While there is no HOA, the home remains subject to local city ordinances. For a complete verification of these details, please contact Christopher Lazaro, your Cutler Bay Real Estate Advisor.

What are the property taxes and homestead implications?

The tax of record is $3,260 for 2025. As an estimate only—Florida reassesses upon sale—at the $825,000 list price and a Miami-Dade rate near 2.0%, annual property tax could be approximately $16,500 without a homestead exemption, or about $15,500 with one, as the homestead exemption lowers the taxable value for a primary residence.

These are estimates, not quotes; confirm final figures with the Miami-Dade Property Appraiser and a tax professional. For precise verification on this property, contact Christopher Lazaro, Cutler Bay Real Estate Advisor.

Is the home in a flood zone, and what does that mean?

This property is located in a Special Flood Hazard Area, designated as Zone AE by FEMA. This is a high-risk zone, meaning there is at least a 1% annual chance of flooding, and lenders will require flood insurance as a condition for a mortgage. You can review the specific details and FEMA definitions and View the FEMA flood map for this address.

To understand the exact insurance implications and cost for this home, contact Christopher Lazaro, Cutler Bay Real Estate Advisor, for a precise verification.

Are pets allowed?

This is a single-family home. There is no condo or HOA board to set a pet policy; the owner's discretion applies, subject to city ordinances and any lease terms.

Documented service animals and emotional support animals are protected under federal law. For precise verification on this property, contact Christopher Lazaro, Cutler Bay Real Estate Advisor.

How is the price set and is there room to negotiate?

The list price is grounded in a recent market analysis. For context, Miami-Dade single-family homes have recently been closing at 95% of original list, around 41 days to contract (MIAMI REALTORS®, May 2026).

The specific valuation for 9390 SW 190th St was determined by a comparative market analysis of similar Cutler Bay properties. I can provide that detailed CMA to inform your offer strategy. To verify the data and discuss negotiation, contact Christopher Lazaro, Cutler Bay Real Estate Advisor.

What financing step do you recommend before touring?

I recommend securing a pre-approval from a Florida Licensed Mortgage Loan Originator before touring. This clarifies your budget and strengthens your position when you find the right property.

For specific guidance, contact Christopher Lazaro, Cutler Bay Real Estate Advisor, to verify this step and discuss the current market for homes like the one listed at $825,000 on SW 190th Street.

Monthly Fees & Carrying Costs

  • Membership Required: No

Have a question about this Cutler Bay listing?

Talk directly with Christopher Lazaro, your Cutler Bay real estate advisor. No pressure — real answers.

  • Address: 190th St
  • City: Cutler Bay
  • State/county: Miami-Dade County
  • Zip/Postal Code: 33157
  • Area: BEL AIRE SEC 10

Details

Updated on July 21, 2026 at 4:55 am
  • Property ID A11959140
  • Price $825,000
  • Property Size 1474 Sq Ft
  • Bedrooms 4
  • Room 0
  • Bathrooms 2
  • Garage 0
  • Year Built 1969
  • Type Single Family Residence
  • Property Status Active, Residential

Additional details

  • Flooring Tile
  • Bedroom Features Entry Level
  • Cooling Ceiling Fan(s), Central Air
  • Association Type None
  • Building BEL AIRE SEC 10
  • Area Bel Aire Sec 10
  • Annual Tax 3260
  • Association No
  • Elementary School Whispering Pines
  • Private Pool No
  • Listing Terms All Cash, Conventional
  • Waterfront No
  • Full Bathrooms 2
  • Subdivision BEL AIRE SEC 10
  • Restrictions Other Restrictions
  • Parking Driveway, Other, Rv/Boat Parking
  • Heating Central
  • Structure Type Pool Only, House
  • Tax Year 2025
  • Construction CBS Construction
  • Building Area 2066
  • Covered Spaces 0
  • View Garden
  • Year Built Details Resale
  • Half Bathrooms 0
  • Flood Zone X
  • New Construction No
  • Garage Spaces 0
  • Style Pool Only
  • Lot Size (Sq Ft) 8250
  • Membership Purchase Required No

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