BreakThru Realty

Cutler Bay Real Estate & Homes for Sale

Your next move in Cutler Bay deserves a better strategy: buy, sell or invest with the numbers in front of you.

Cutler Bay is a town in south Miami-Dade County between Palmetto Bay and Homestead, from US 1 to Biscayne Bay: single family houses on lakes and canals, the gated Cutler Cay, the lake streets of Saga Bay and Lakes by the Bay, fifties ranch homes in the old Cutler Ridge, and townhomes and new construction a short drive from Florida's Turnpike.

Cutler Bay Market at a Glance

Actualizado en octubre 30, 2026 de BeachesMLS.

Newest Cutler Bay Homes for Sale

The 30 newest homes, condos and townhomes on the market in Cutler Bay, straight from BeachesMLS. The 30 listings on this page run from $435,000 to $1,950,000, with a median of $666,000, about $389 per square foot, and they have been listed a median of 16 days.

  • The communities with the most listings here are Bel-aire (3), Cutler Cay (3), Lakes by the Bay (3), Cantamar (2) and Capistrano (2), 13 of the 30; the others are spread across 16 more communities.
  • Por tipo: 29 casas unifamiliares y 1 condominio.
  • Las habitaciones van de 2 a 5, con una mediana de 4; se construyeron entre 1954 y 2026, con una mediana de 1998, y 2 en los últimos diez años.
  • 9 de las 30 tienen piscina y 5 están frente al agua.
  • Se encuentran en 3 códigos postales: 33157, 33189 y 33190.

See every Cutler Bay home for sale with map and filters.

Casas unifamiliaresCondominios y casas adosadas
Anuncios activos16083
Precio de lista mediano$699,000$310,000
Precio de lista mediano por pie²$378/pies²$272/pies²
Promedio de días en el mercado88 días129 días
Vendidos en los últimos 90 días8134
Precio mediano de venta (90 días)$625,000$298,000
Precio de venta como % del precio de lista99.2%97.6%
Meses de inventario5.9 meses7.3 meses
Precio de venta mediano frente al de hace un año-0.1%-18.2%

Fuente: BeachesMLS. Anuncios activos al octubre 30, 2026; las cifras de ventas cubren cierres en los últimos 90 días, en comparación con los mismos 90 días del año anterior. No es una tasación. Cómo se calculan estas cifras.

Own a Cutler Bay Home?

Your Cutler Bay buyer may already be looking. BreakThru Realty works with hundreds of prequalified buyers searching for properties. Find out what your home is worth and whether it fits what one of them has asked us to find, before you list anywhere.

  • A value range built from comparable Cutler Bay sales, with the reasoning
  • Whether a buyer already working with BreakThru Realty is looking for a property like yours
  • The plan that reaches the rest of the market if no buyer on file fits
  • An estimate of your selling costs and what you would keep after closing

Find Out If We Have Your Buyer · Explore My Selling Options

Living in Cutler Bay

The Town of Cutler Bay was incorporated in 2005 from the unincorporated area long known as Cutler Ridge. It runs from SW 184th Street, the line with Palmetto Bay, south toward Goulds and the Black Creek Canal, and from the US 1 corridor east to the mangrove shore of Biscayne Bay, with Old Cutler Road crossing it on a diagonal. Southland Mall and the South Dade Regional Library sit near US 1, Florida's Turnpike runs through the west of town, and the busway along US 1 carries buses north toward Dadeland and the Metrorail. Neighborhood parks such as Cutler Ridge Park, Saga Bay Park, Saga Lake Park and Whispering Pines Park are spread through the streets, the Cutler Wetlands Preserve keeps a piece of the old wetlands in the south of town, and Black Point Park and Marina lies about a mile south of the town line on the bay. Recent listings name Dr. Edward L. Whigham, Gulfstream, Cutler Ridge, Bel Aire and Whispering Pines elementary schools, Cutler Bay Middle and Miami Southridge Senior High, and Cutler Bay Senior High is in town; assignments change, so confirm the school for the exact address. Hurricane Andrew struck the old Cutler Ridge in 1992, and a large share of the town was repaired or rebuilt under the stricter code that followed.

Lakes, Canals and Biscayne Bay

Water in Cutler Bay means lakes and canals far more than open bay. The shore itself is mangrove, so bayfront houses are almost unknown on the market, and boaters keep their boats at home on a trailer or at Black Point Park and Marina, the county marina on the bay just south of town. Lake lots are the common form of waterfront: Saga Lake in Saga Bay, where listings describe a community beach for kayaks and paddleboards, Whispering Pines Lake in the north, the lakes inside Cutler Cay, and the chain of lakes through Lakes by the Bay. Canal lots run through Bel Aire on Broad Channel Drive and Sterling Drive, through Cutler Creek and along the Cutler Drain Canal on the north edge and the Black Creek Canal on the south, and several South Dade canals pass water control structures before they reach the bay. Before you pay extra for frontage, ask whether a boat can reach open water from the lot, what the bank or seawall is made of, and what the elevation certificate shows, because much of the bay side of town is flood zone AE.

Gated Communities, Townhomes and New Construction

Most Cutler Bay houses sit on open streets with no association, but a set of communities is gated. Cutler Cay has a staffed gatehouse, a clubhouse and courts; several sections of Lakes by the Bay are gated townhome and house enclaves with their own pools; and Santa Barbara, Sea Grape and Centennial each have a gated entry. Townhomes are the entry point to ownership in town: Saga Bay Townhomes and the Cutler Creek Club units from the eighties, and the Lakes by the Bay sections and Santa Barbara from the two thousands. Condominiums are rare on the public market, and some townhouse style homes in Lakes by the Bay are legally condominium units, which changes the insurance and the lender's review. New construction comes one street at a time: Capistrano is adding single story houses on Bahama Drive and Bahia Drive in the old Cutler Ridge, Century at Cutler Bay has new houses near SW 208th Terrace, and custom builders are replacing ranch homes on larger lots in Whispering Pines and near SW 184th Street. Ask a builder for the warranty and the closing date, and ask every association for its budget, its reserves and its leasing rules.

Vecindarios

Cutler Bay divides at Old Cutler Road. On the bay side, Cutler Cay is the guard gated lake community near the shore, Saga Bay holds the lake and park streets east of the road, Lakes by the Bay fills the south with lake sections and gated townhome enclaves, and Santa Barbara, Sea Grape, Centennial, Cantamar and Pelican Bay are the smaller communities between them. On the US 1 side, Whispering Pines and Omni Estates are the larger lots in the north, Bel Aire brings canal lots around Bel Aire Drive, Cutler Ridge and South Coral Homes are the fifties streets with Caribbean names, Benson Manor sits off Caribbean Boulevard, Cutler Creek has townhomes and houses near US 1, and Capistrano is the new single story community in the old Cutler Ridge. Each neighborhood page carries its live listings and recent sales. A handful of listings with a Cutler Bay address sit just south and west of the town line in Goulds and South Miami Heights, and we confirm the municipality on the tax record for every home.

Selling a Home in Cutler Bay

Your Cutler Bay buyer may already be looking. BreakThru Realty works with hundreds of prequalified buyers searching for properties. Each one tells us the areas, the price range, the property type and the features they want, and we keep that on file. Before you list, a broker checks your home against those requests and prices it from recent MLS sales near it, and if no buyer on file fits, the plan reaches the rest of the market. Your next buyer may already be searching for a home like yours. BreakThru Realty works with hundreds of prequalified buyers searching for properties, and before your home is listed, a broker checks it against the requirements of the buyers already working with us, from the area and the price to the bedrooms, a pool or a lake lot, and reaches out to the buyers it fits. Your house may be the one a buyer is waiting to find. If no buyer on file fits, the plan reaches the rest of the market through the MLS listing that cooperating agents across Miami-Dade search, with the facts Cutler Bay buyers ask first already in it: the flood zone and elevation, the roof and window dates, the association and its fee. The strategy then follows your objectives, your timing, your price and your next move. A house in Whispering Pines is priced from sales of the same lot size and condition, a lake home in Saga Bay from other lake sales, and a Cutler Cay home from sales inside the gate by model and frontage. Request Your Property Valuation from matched closed sales, ask for a full comparative market analysis when you are ready to list, or request a cash offer for a fast, as is sale.

Investing in Cutler Bay

Investors in Cutler Bay mostly buy houses to lease by the year to families who want a yard, the neighborhood schools and an easy drive on the Turnpike or US 1, and townhomes in Lakes by the Bay, Santa Barbara and Cutler Creek where the association allows leasing. The checks differ by type. A house with no association leaves the leasing terms to you but puts the roof, the pool, the plumbing and the hurricane season on your budget, and on the bay side the flood insurance can change the return more than the rent does. A townhome association sets its own approval, minimum term and rules, so read them before you buy. Small multifamily buildings are rare in town, and a house offered with extra units needs every unit checked against the permits before the rent is counted. Short term rentals depend on the town and county rules and on any association, so confirm them first. Get Your Investment Property Analysis and we model the rent from current Cutler Bay leases and the resale from the closed sales that match the property.

Around Cutler Bay: Parks, Water and Everyday Places

A selection of the places OpenStreetMap shows inside Cutler Bay's municipal boundary. The map is edited by volunteers and is not a complete list, so treat it as a starting point and see the area for yourself before you choose a home.

Parques y áreas naturales

  • Cutler Ridge Park
  • Whispering Pines Park
  • Franjo Park
  • Bel Aire Park
  • Whispering Pines Hammock Park
  • Lincoln City Park
  • Tiffany Drive Park
  • Blue Heron Park

Hospitales

  • HealthSouth Rehabilitation Center of Miami

Map data © OpenStreetMap contributors, available under the Open Database License, retrieved October 2026. openstreetmap.org/copyright

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Cutler Bay homes for sale from $390K to $400K

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Cutler Bay homes for sale from $700K to $800K

Cutler Bay homes for sale from $800K to $900K

Cutler Bay homes for sale from $900K to $1M

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Cutler Bay homes for sale from $5M to $10M

Cutler Bay homes for sale from $10M to $15M

Cutler Bay homes for sale from $15M to $20M

Cutler Bay homes for sale from $20M to $25M

Cutler Bay homes for sale from $25M to $30M

Cutler Bay homes for sale from $30M to $35M

Cutler Bay homes for sale from $35M to $40M

Cutler Bay homes for sale from $40M to $45M

Cutler Bay homes for sale from $45M to $50M

Cutler Bay homes for sale from $50M to $55M

Cutler Bay homes for sale from $55M to $60M

Cutler Bay homes for sale from $60M to $65M

Cutler Bay homes for sale from $65M to $70M

Cutler Bay homes for sale from $70M to $75M

Cutler Bay homes for sale from $75M to $80M

Cutler Bay homes for sale from $80M to $85M

Cutler Bay homes for sale from $85M to $90M

Cutler Bay homes for sale from $90M to $95M

Cutler Bay homes for sale from $95M to $100M

Cutler Bay homes for sale $100M and up

    Cutler Bay Homes by ZIP Code

    Cutler Bay Luxury Homes With Price Reductions

    Every home and condo in Cutler Bay from $1 million whose asking price is below its original list price, with the previous price, the cut and the date it changed, and price drop alerts for Cutler Bay.

    Selling in Cutler Bay

    Ventas recientes por vecindario

    Buying in Cutler Bay From Outside Florida

    Cutler Bay Rentals

    Cutler Bay Real Estate FAQ

    Where is Cutler Bay, and is every Cutler Bay address inside the town?
    Cutler Bay is a town in south Miami-Dade County between Palmetto Bay to the north and Goulds and Homestead to the south, reaching from the US 1 corridor east to Biscayne Bay. Most listings with a Cutler Bay address are inside the town, but a handful just south and west of the town line, in unincorporated Goulds and South Miami Heights, carry the same mailing name. Taxes, permits and some services follow the tax record rather than the address, so we confirm the municipality for every home before we compare prices.
    How much does a home cost in Cutler Bay?
    It depends on the street and the type. Townhomes in Santa Barbara, Saga Bay Townhomes and the Lakes by the Bay sections are the entry point, fifties houses in Cutler Ridge and South Coral Homes come next, lake houses in Saga Bay and larger lots in Whispering Pines and Omni Estates sit above them, and the gated Cutler Cay carries the higher prices for houses. The market table on this page shows the current median list and sold prices, updated daily from the MLS.
    Can I keep a boat at a Cutler Bay home?
    Usually on a trailer at home or at a marina rather than at a private dock. Many houses in Cutler Ridge, Bel Aire and Whispering Pines have side yards with room for a boat, and Black Point Park and Marina, just south of the town line on Biscayne Bay, has public ramps and storage. A few canal lots in Bel Aire have ramps of their own, but some canals here pass water control structures before the bay, so we confirm whether a boat can reach open water from a lot before you pay for the frontage.
    Is Cutler Bay in a flood zone?
    Much of it is, and the zone changes block by block. The bay side of Old Cutler Road, including Saga Bay, Cutler Cay and Lakes by the Bay, is largely flood zone AE, where lenders require flood insurance; the older streets of Whispering Pines, Cutler Ridge and South Coral Homes sit mostly in zone X, and parts of Bel Aire are AH. Ask for the elevation certificate and an insurance quote before you offer, along with the roof age and the wind mitigation report, which insurers price as well.
    Which schools serve Cutler Bay homes?
    Miami-Dade County Public Schools assigns students by address. Recent Cutler Bay listings name Dr. Edward L. Whigham, Gulfstream, Cutler Ridge, Bel Aire or Whispering Pines elementary schools, Cutler Bay Middle and Miami Southridge Senior High, and Cutler Bay Senior High is in town. Zones are redrawn from time to time and neighboring streets can fall in different ones, so confirm the assigned schools for the exact address with the district before you rely on them.
    What is my Cutler Bay home worth?
    Request a free valuation and we build it from the closed sales that match your home: the same neighborhood, lot size and condition for a house in Whispering Pines or Cutler Ridge, the same lake or canal frontage for a waterfront lot, or the same model and section for a home in Cutler Cay or Lakes by the Bay, adjusted for the roof, the windows, the pool and the flood zone. For a listing decision we prepare a full comparative market analysis, and homeowners who need a fast sale can request a cash offer.
    Do you already have buyers looking for homes in Cutler Bay?
    BreakThru Realty works with hundreds of prequalified buyers searching for properties. We keep each buyer's requirements on file: the neighborhoods, the price range, the property type and the features they are waiting for. Whether one of them fits your home is something a licensed broker checks for your property specifically, before the call. Your home may be the one a buyer is waiting to find; we confirm it before we call it a match, and a potential match is a conversation, not an offer.

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