Price reducedMLS® A12102317

$449,500

↓ Price reduced $3,000 on Oct 23, 2026

20816 SW 103rd Place, Cutler Bay, FL 33189

Beds: 3
Baths: 2
Sqft: 1,225

Est. payment$2,957/mo

Home type: Townhouse
Year built: 1981
Lot size: —
Price / sqft: $367
HOA: $75/mo
Community: CUTLER CREEK CLUB SEC 1

Property description

Owner is offering a contribution towards buyers closing costs or buy down of rate. Additionally, Horizon West Bank is offering a financing grant of $8k towards buyers closing costs and pre-paid. Ask us for more details. Welcome to this charming 3-bedroom, 2-bathroom one-story town home completely renovated in 2026 in the desirable Cutler Bay area. This well-maintained home features an open and spacious living area with beautiful wood-look flooring, a modern kitchen with granite countertops, and comfortable bedrooms offering plenty of natural light. Enjoy a peaceful water/canal view and a private outdoor setting perfect for relaxing or entertaining. AC 2016 and Roof 2016. The home also offers a paved driveway and convenient access to shopping, dining, major roadways, and everyday essentials. A wonderful opportunity for buyers looking for comfort, convenience, and South Florida living in a desirable Cutler Bay location.

Listing activity

Days on market: 24
Listed: Oct 7, 2026
MLS listing updated: Oct 31, 2026
Feed last checked: 9 minutes ago

Listed by Ashley Nicole Brosky · Luxe Properties

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: 2
Flooring: Vinyl
Appliances: Dishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator

Heating & cooling

Heating: Central
Cooling: Central Air

Property

Parking

Garage spaces: 2
Garage: Yes
Covered spaces: 2

Exterior

Stories: 0
Building area: 1,225 sqft
Entry level: 1
Patio & porch: Porch - Open, Porch, Patio
Fencing: Fenced
View: Canal
Waterfront: None, Canal Front
Waterfront property: Yes

Lot

Lot features: Fruit Tree(s)

Construction

Type & style

Home type: Townhouse
Structure type: Townhouse
Year built: 1981
New construction: No

Materials

Construction: Block
Property condition: Resale
Faces: East

Utilities & green energy

Not reported by the listing source.

Community & HOA

Community

Subdivision: CUTLER CREEK CLUB SEC 1
MLS area: 2600
Security: None
Pets allowed: Yes
55+ community: No

Association

Has association: Yes
Association fee: $225 quarterly
Estimated monthly dues: $75
Amenities: None
Services included: Maintenance Grounds

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: A12102317
Possession: Negotiable
Original list price: $455,000
Parcel number: 3660080160220
Annual property tax: $3,890
Tax year: 2025
Tax legal description: CUTLER CREEK CLUB SEC 1 PB 114-30 LOT 18 BLK 2 LOT SIZE 3920 SQ FT & PROP INT IN COMMON ELEMENTS OR 13538-1712 0188 5 F/A/U 30-6008-016-0220

Additional MLS details

Reported by the listing source

Association Amenities: None
Association Fee Frequency: Quarterly
Association Fee Includes: Maintenance Grounds
Association: Yes
Bathrooms Total Decimal: 2
Bathrooms Total Integer: 2
Building Area Total: 1225
Construction Materials: Block
County Or Parish: Miami-Dade
Days On Market: 24
Direction Faces: East
Elementary School: Cutler Ridge
High School: Miami Southridge
List Price: 449500
Listing Contract Date: 2026-10-07
Living Area: 1225
MLSArea Major: 2600
Middle Or Junior School: Cutler Bay Middle
Mls Status: Active
On Market Date: 2026-10-07
Patio And Porch Features: Porch - Open, Porch, Patio
Photos Count: 33
Postal Code: 33189
Price Change Timestamp: 2026-10-23T18:30:58Z
Property Sub Type: Townhouse
Property Type: Residential
Rooms Total: 2
Security Features: None
Senior Community: No
Standard Status: Active
State Or Province: FL
Status Change Timestamp: 2026-10-07T04:00:00Z
Stories Total: 0
Subdivision Name: CUTLER CREEK CLUB SEC 1
Waterfront Features: None, Canal Front
Tax Annual Amount: 3890
Bathrooms Full: 2
Bedrooms Total: 3
Bathrooms Half: 0
Financial Information: Estimated Monthly Assoc Recurring Fee: 75

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
Oct 7, 2026	ListedMIAMI REALTORS® MLS	$455,000$371/sqft
Oct 23, 2026	Price reducedMIAMI REALTORS® MLS	$449,500$367/sqft

Public tax history

Year	Property taxes	Assessment
2025	$3,890	—

Payment calculator

Estimated monthly payment$2,957/moIllustrative estimate, not a loan offer.

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

Principal & interest: $2,332
Property taxes: $324
Insurance: $225
Association dues: $75

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

CUTLER CREEK CLUB SEC 1

Cutler Bay · Miami-Dade County · 33189

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Cutler RidgeElementary

—

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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