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Cluster HomeResidential
$554,777$192 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $148,000 on Dec 31, 1996

20986 SW 85TH PL

CUTLER BAY, FL 33189
4
Beds
2
Baths
2,894 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$555K
$516K low$593K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$148,000 · Dec 31, 1996

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,817 (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.$210,274 (2024)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$204,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$563,294

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.69 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
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
Lot (acres)The size of the land the home sits on, from county records.0.16
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.5 mi
M
Cutler Bay Academy of Advanced Studies, Cutler Ridge CampusB-
Middle · Grades 6–8 · 1.7 mi
H
Miami Southridge Senior High SchoolD+
High · Grades 9–12 · 3.2 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%

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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

20986 Sw 85th Pl 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.

  • Among the lowest price per square foot in Miami 33189
  • Bigger than 98% of homes in Miami 33189
  • Has a smaller lot than 71% of homes in Saga Bay / East Cutler
  • Newer than 66% 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
$201K$788K

This home is worth more than 63% 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$554,777
CheaperTypical $515,690Pricier

Pricier than 63% of homes nearby

Price per ft²$192
CheaperTypical $312Pricier

Cheaper than almost all homes nearby

Living area2,894 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.16 ac
SmallerTypical 0.18 acBigger

Bigger than 40% of homes nearby

Year built1990
OlderTypical 1987Newer

Newer than 63% of homes nearby

How 20986 Sw 85th Pl ranks against every home in each area.
MeasureThis homeSaga Bay / East CutlerMiami 33189Miami-Dade County
Estimated valuepricier than$554,77742% of homes63% of homes58% of homes
Price per ft²pricier than$1922% of homesalmost no homes4% of homes
Living areabigger than2,894 ft²80% of homes98% of homes93% of homes
Lot sizebigger than0.16 ac29% of homes40% of homes49% of homes
Year builtnewer than199059% of homes63% of homes66% of homes

About 20986 Sw 85th Pl

How much is 20986 Sw 85th Pl, Cutler Bay, FL worth?

The TopHap Estimate for 20986 Sw 85th Pl, Cutler Bay, FL is $554,777 as of Aug 30, 2026. The likely range is $516,442 to $593,112. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20986 Sw 85th Pl, Cutler Bay, FL last sell?

20986 Sw 85th Pl, Cutler Bay, FL last sold on Dec 31, 1996 for $148,000, according to the county's recorded deed.

How big is 20986 Sw 85th Pl, Cutler Bay, FL?

20986 Sw 85th Pl, Cutler Bay, FL has 4 bedrooms, 2 bathrooms, 2,894 square feet of living space and a 0.16-acre lot.

When was 20986 Sw 85th Pl, Cutler Bay, FL built?

20986 Sw 85th Pl, Cutler Bay, FL was built in 1990, making it 36 years old. The building has 2 stories.

What schools serve 20986 Sw 85th Pl, Cutler Bay, FL?

20986 Sw 85th Pl, 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 20986 Sw 85th Pl, Cutler Bay, FL compare to other homes in Miami 33189?

Among the 7,275 homes in Miami 33189, it is worth more than 63% of them ($554,777 against a typical $515,690), its price per square foot is higher than almost none of them ($192 against a typical $312), it is bigger than 98% of them (2,894 ft² against a typical 1,560 ft²), its lot is bigger than 40% of them (0.16 ac against a typical 0.18 ac) and it is newer than 63% of them (1990 against a typical 1987). Measured against all of Miami-Dade County, it is worth more than 58% 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 20986 Sw 85th Pl, Cutler Bay, FL?

The 2024 property tax bill for 20986 Sw 85th Pl, Cutler Bay, FL was $3,817. The county assessed it at $210,274.

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