Skip to content
Skip to content
TopHapOpen in map
Cluster HomeResidential
$446,714$352 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $489,900 on Sep 27, 2022

20309 SW 86TH CT

CUTLER BAY, FL 33189
3
Beds
2
Baths
1,270 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4,060 ft²
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$447K
$429K low$464K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$489,900 · Sep 27, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,942 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$329,193 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$319,605
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$349,871

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.74 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Cluster Home
CountyMiami-Dade
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.09
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Dr. Edward L. Whigham Elementary SchoolB-
Elementary · Grades PK–5 · 0.9 mi
M
Cutler Bay Academy of Advanced Studies, Cutler Ridge CampusB-
Middle · Grades 6–8 · 1.4 mi
H
Miami Southridge Senior High SchoolD+
High · Grades 9–12 · 2.9 mi

District: Dade County School District

Neighborhood · ZIP 33189These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.8

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.27,780
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,376 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,208
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,395
Average tempThe average temperature here across a full year.75°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.70%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20309 Sw 86th Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Miami 33189
  • Costs more per square foot than 72% of homes in Saga Bay / East Cutler
  • Smaller than 76% of homes in Saga Bay / East Cutler
  • Has a smaller lot than 83% of homes in Miami 33189
  • Newer than 65% of homes in Miami-Dade County

What homes are worth in Miami 33189

Each bar is how many homes fall in that price range. The marker is this home.

This home
$207K$817K

This home is worth more than 32% of homes in Miami 33189.

How it measures up in Miami 33189

The dot is this home. The mark in the middle is the typical home in Miami 33189.

Estimated value$446,714
CheaperTypical $528,538Pricier

Pricier than 32% of homes nearby

Price per ft²$352
CheaperTypical $317Pricier

Pricier than 69% of homes nearby

Living area1,270 ft²
SmallerTypical 1,554 ft²Bigger

Bigger than 30% of homes nearby

Lot size4,060 ft²
SmallerTypical 0.18 acBigger

Bigger than 17% of homes nearby

Year built1989
OlderTypical 1987Newer

Newer than 61% of homes nearby

How 20309 Sw 86th Ct ranks against every home in each area.
MeasureThis homeSaga Bay / East CutlerMiami 33189Miami-Dade County
Estimated valuepricier than$446,71433% of homes32% of homes39% of homes
Price per ft²pricier than$35272% of homes69% of homes47% of homes
Living areabigger than1,270 ft²24% of homes30% of homes40% of homes
Lot sizebigger than4,060 ft²21% of homes17% of homes19% of homes
Year builtnewer than198957% of homes61% of homes65% of homes

About 20309 Sw 86th Ct

How much is 20309 Sw 86th Ct, Cutler Bay, FL worth?

The TopHap Estimate for 20309 Sw 86th Ct, Cutler Bay, FL is $446,714 as of Sep 24, 2026. The likely range is $429,156 to $464,272. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20309 Sw 86th Ct, Cutler Bay, FL last sell?

20309 Sw 86th Ct, Cutler Bay, FL last sold on Sep 27, 2022 for $489,900, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 20309 Sw 86th Ct, Cutler Bay, FL?

20309 Sw 86th Ct, Cutler Bay, FL has 3 bedrooms, 2 bathrooms, 1,270 square feet of living space and a 0.09-acre lot.

When was 20309 Sw 86th Ct, Cutler Bay, FL built?

20309 Sw 86th Ct, Cutler Bay, FL was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 20309 Sw 86th Ct, Cutler Bay, FL?

20309 Sw 86th Ct, Cutler Bay, FL is assigned to Dr. Edward L. Whigham Elementary School (elementary), rated B-; Cutler Bay Academy of Advanced Studies, Cutler Ridge Campus (middle), rated B-; Miami Southridge Senior High School (high), rated D+. All sit in Dade County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20309 Sw 86th Ct, Cutler Bay, FL compare to other homes in Miami 33189?

Among the 7,275 homes in Miami 33189, it is worth more than 32% of them ($446,714 against a typical $528,538), its price per square foot is higher than 69% of them ($352 against a typical $317), it is bigger than 30% of them (1,270 ft² against a typical 1,554 ft²), its lot is bigger than 17% of them (4,060 ft² against a typical 0.18 ac) and it is newer than 61% of them (1989 against a typical 1987). Measured against all of Miami-Dade County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20309 Sw 86th Ct, Cutler Bay, FL?

The 2024 property tax bill for 20309 Sw 86th Ct, Cutler Bay, FL was $5,942. The county assessed it at $329,193.

More homes on Sw 86th Ct

Closest homes

More homes in Cutler Bay 33189

Assigned schools

Explore the area

See this home in context

Open 20309 Sw 86th Ct on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map