ActiveMLS® A12085731

$670,000

22023 SW 95th Place, Cutler Bay, FL 33190

Beds: 3
Baths: 2
Sqft: 2,062

Est. payment$4,843/mo

Home type: Single Family Residence
Year built: 2004
Lot size: 7,841 sqft
Price / sqft: $325
HOA: $90/mo
Community: LAKES BY THE BAY AMBER

Property description

Welcome to Lakes by the Bay, one of Cutler Bay’s most desirable communities! This spacious and inviting home features 3 bedrooms, 2 full bathrooms, plus a separate mother-in-law quarters, offering additional flexibility for extended family, guests, or a private home office. The well-designed floor plan provides generous living and entertaining spaces. The primary suite features a large walk-in closet, dual vanities, and a separate shower. Ceramic tile flooring throughout offers both style and easy maintenance. Hurricane shutters provide added storm protection and peace of mind. Step outside to a beautiful backyard with a spacious patio area—perfect for entertaining family and friends, relaxing, or enjoying South Florida’s year-round outdoor lifestyle. A wonderful opportunity to own a versatile home in the highly sought-after Lakes by the Bay community! low hoa near black point marina this is a great opportunity.

Listing activity

Days on market: 46
Listed: Sep 8, 2026
MLS listing updated: Sep 9, 2026
Feed last checked: 5 minutes ago

Listed by Victor A Cruz · Miami Home Brokers Realty

Map

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

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 2
Bathrooms (decimal): 2
Full bathrooms: 2
Half bathrooms: 0

Rooms & features

Rooms: 4
Interior features: Bedroom Layout - Three Way Split, Entrance Foyer, Storage, Vaulted Ceiling(s), Walk-In Closet(s)
Flooring: Tile
Appliances: Dishwasher, Dryer, Microwave
Furnished: Unfurnished
Window features: Blinds

Heating & cooling

Heating: Central, Electric
Cooling: Central Air

Property

Parking

Garage spaces: 2
Garage: Yes
Covered spaces: 2
Parking features: Driveway, Garage Door Opener
Attached garage: No

Exterior

Stories: 1
Building area: 2,450 sqft
Patio & porch: Patio
Exterior features: Lighting
Pool: No
View: Garden
Waterfront property: No

Lot

Lot size: 7,841 sqft
Lot size (acres): 0.18 acres
Lot features: Room for Pool
Zoning: 0100
Road frontage: Private Road

Construction

Type & style

Home type: Single Family Residence
Architectural style: Ranch
Year built: 2004
New construction: No

Materials

Construction: CBS
Roof: Barrel
Property condition: Resale
Levels: One
Faces: East

Utilities & green energy

Utilities

Sewer: Public Sewer
Water: Public
Utilities: Cable Available, Underground Utilities

Community & HOA

Community

Subdivision: LAKES BY THE BAY AMBER
MLS area: 2600
Pets allowed: Yes
55+ community: No

Association

Has association: Yes
Association fee: $90 monthly
Estimated monthly dues: $90
Amenities: Pool, Clubhouse
Services included: Common Areas

Lease details

Not reported by the listing source.

Location

Area details

City: Cutler Bay
County: Miami-Dade
ZIP code: 33190

Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number: A12085731
Possession: Negotiable
Original list price: $670,000
Parcel number: 3660160100800
Annual property tax: $11,300
Tax year: 2025
Tax legal description: LAKES BY THE BAY AMBER PB 161-80 T-21030 LOT 6 BLK 4 LOT SIZE 7691 SQ FT FAU 30-6016-000-0020 COC 23047-2108 01 2005 1 F/A/U 30-6016-010-080

Additional MLS details

Reported by the listing source

Association Amenities: Pool, Clubhouse
Association Fee Frequency: Monthly
Association Fee Includes: Common Areas
Association: Yes
Bathrooms Total Decimal: 2
Bathrooms Total Integer: 2
Building Area Total: 2450
Construction Materials: CBS
County Or Parish: Miami-Dade
Days On Market: 46
Direction Faces: East
Elementary School: Dr. Edward L. Whigham
High School: Miami Southridge
List Price: 670000
Listing Contract Date: 2026-09-08
Living Area: 2062
Lot Size Acres: 0.18
Lot Size Area: 7691
MLSArea Major: 2600
Middle Or Junior School: Cutler Bay Middle
Mls Status: Active
On Market Date: 2026-09-08
Patio And Porch Features: Patio
Photos Count: 26
Postal Code: 33190
Property Sub Type: Single Family Residence
Property Type: Residential
Road Frontage Type: Private Road
Rooms Total: 4
Senior Community: No
Standard Status: Active
State Or Province: FL
Status Change Timestamp: 2026-09-08T04:00:00Z
Stories Total: 1
Subdivision Name: LAKES BY THE BAY AMBER
Water Source: Public
Tax Annual Amount: 11300
Bathrooms Full: 2
Pool Private: No
Bedrooms Total: 3
Waterfront: No
Bathrooms Half: 0
Financial Information: Estimated Monthly Assoc Recurring Fee: 90

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
Sep 8, 2026	ListedMIAMI REALTORS® MLS	$670,000$325/sqft

Public tax history

Year	Property taxes	Assessment
2025	$11,300	—

Payment calculator

Estimated monthly payment$4,843/moIllustrative estimate, not a loan offer.

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

Principal & interest: $3,476
Property taxes: $942
Insurance: $335
Association dues: $90

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

LAKES BY THE BAY AMBER

Cutler Bay · Miami-Dade County · 33190

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Dr. Edward L. WhighamElementary

—

Cutler Bay MiddleMiddle

—

Miami SouthridgeHigh

—

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

Nearby homes

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