ActiveMLS® A11946779

$897,000

7961 SW 198th Street, Cutler Bay, FL 33189

Beds: 4
Baths: 4
Sqft: 2,646

Est. payment$6,125/mo

Home type: Single Family Residence
Year built: 1974
Lot size: 7,841 sqft
Price / sqft: $339
HOA: $40/mo
Community: SAGA BAY SEC 1 PT 4

Property description

Nestled in the highly desired Saga Bay community of Cutler Bay, this beautiful residence delivers exceptional versatility and value. The main home features modern finishes, spacious living areas, and a layout ideal for multi-generational living. Step outside to your private oasis, complete with a sparkling pool perfect for entertaining and year-round enjoyment.Located minutes from top-rated schools, parks, shopping, and the bay, this home blends comfort, style, and investment potential in one of Cutler Bay’s most sought-after neighborhoods. A rare opportunity with endless possibilities.

Listing activity

Days on market: 288
Listed: Jan 15, 2026
MLS listing updated: Oct 30, 2026
Feed last checked: 4 minutes ago

Listed by Yohan Miranda · Luxe Properties

Map

Map location is based on MLS-supplied coordinates. Verify the location before relying on it.

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 4
Bathrooms (decimal): 4
Full bathrooms: 4
Half bathrooms: 0

Rooms & features

Rooms: 4
Interior features: Walk-In Closet(s)
Flooring: Ceramic Tile
Appliances: Dishwasher, Microwave

Heating & cooling

Heating: Central, Electric
Cooling: Central Air

Property

Parking

Garage spaces: 4
Garage: Yes
Covered spaces: 4
Parking features: Driveway
Attached garage: No

Exterior

Stories: 2
Building area: 4,016 sqft
Entry level: 2
Exterior features: Balcony, Awning(s), Built-in Barbecue
Pool: Yes
Pool features: Concrete, In Ground
View: Water
Waterfront property: No

Lot

Lot size: 7,841 sqft
Lot size (acres): 0.18 acres
Zoning: 0100

Construction

Type & style

Home type: Single Family Residence
Year built: 1974
New construction: No

Materials

Construction: Block
Roof: Shingle
Property condition: Resale
Levels: Two
Faces: South

Utilities & green energy

Utilities

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: SAGA BAY SEC 1 PT 4
MLS area: 2600
55+ community: No

Association

Has association: Yes
Association fee: $120 quarterly
Estimated monthly dues: $40

Lease details

Not reported by the listing source.

Location

Area details

City: Cutler Bay
County: Miami-Dade
ZIP code: 33189

Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number: A11946779
Possession: Close Of Escrow
Original list price: $1,250,000
Parcel number: 3660030160220
Annual property tax: $11,780
Tax year: 2025
Tax legal description: SAGA BAY SEC 1 PT 4 PB 98-50 LOT 8 BLK 12 LOT SIZE 7840 SQ FT OR 21114-3048 032003 1 F/A/U 30-6003-016-0220

Additional MLS details

Reported by the listing source

Association Fee Frequency: Quarterly
Association: Yes
Bathrooms Total Decimal: 4
Bathrooms Total Integer: 4
Building Area Total: 4016
Construction Materials: Block
County Or Parish: Miami-Dade
Days On Market: 288
Direction Faces: South
Elementary School: Dr. Edward L. Whigham
High School: Miami Southridge
List Price: 897000
Listing Contract Date: 2026-01-15
Living Area: 2646
Lot Size Acres: 0.18
Lot Size Area: 7840
MLSArea Major: 2600
Middle Or Junior School: Cutler Bay Middle
Mls Status: Active
On Market Date: 2026-01-16
Photos Count: 30
Postal Code: 33189
Price Change Timestamp: 2026-09-09T17:28:43Z
Property Sub Type: Single Family Residence
Property Type: Residential
Rooms Total: 4
Senior Community: No
Standard Status: Active
State Or Province: FL
Status Change Timestamp: 2026-01-16T01:15:44Z
Stories Total: 2
Subdivision Name: SAGA BAY SEC 1 PT 4
Water Source: Public
Tax Annual Amount: 11780
Bathrooms Full: 4
Pool Private: Yes
Bedrooms Total: 4
Waterfront: No
Bathrooms Half: 0
Financial Information: Estimated Monthly Assoc Recurring Fee: 40

Market value

Automated estimate—No licensed valuation source connected

Estimated sales range—Ask Karim for a local market analysis

Estimated rent—No licensed rental valuation source connected

Price history

Date	Event	Price
Jan 15, 2026	ListedMIAMI REALTORS® MLS	$1,250,000$472/sqft
Sep 9, 2026	Price reducedMIAMI REALTORS® MLS	$897,000$339/sqft

Public tax history

Year	Property taxes	Assessment
2025	$11,780	—

Payment calculator

Estimated monthly payment$6,125/moIllustrative estimate, not a loan offer.

Loan typeDown payment (%)Interest rate assumption (%)Loan termInsurance / month

Principal & interest: $4,654
Property taxes: $982
Insurance: $449
Association dues: $40

Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.

Neighborhood

Area

SAGA BAY SEC 1 PT 4

Cutler Bay · Miami-Dade County · 33189

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Dr. Edward L. WhighamElementary

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Cutler Bay MiddleMiddle

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Miami SouthridgeHigh

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School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

Nearby homes

12 homes