1 / 617436 SW 188th Ln, Cutler Bay FL 33157
Cutler Bay, FL
List Price
$840,000
Type
Single Family
Bedrooms
5
Bathrooms
5
Price / SqFt
$265/sqft
Price reduction
Distressed / value-add opportunity
Occupancy
tenant
From the listing
Located in the desirable gated community of Cutler Cay, this spacious 5-bedroom, 4.5-bath home offers a functional layout with high ceilings and bright, open living areas. The well-designed floor plan provides generous bedrooms and comfortable spaces for everyday living and entertaining.The fenced backyard offers privacy, plenty of room to relax, and space to add a pool. With its great layout and ample square footage, this home is ideal for both homeowners and investors. Currently tenant-occupied with a lease in place through October 19. A great opportunity to own in Cutler Cay with space, privacy, and long-term value. Resort style amenities, gym, sauna, yoga, tennis/pickleball courts, basketball court, heated pool, playground...HOA includes internet, cable, ADT alarm, front lawn maintenance, 24-hour security.
Property Information
- Square Feet
- 3,168
- Units
- 1
- Days on Market
- 97
- Status
- active
Location
- County
- Miami-Dade County
- Zip Code
- 33157
- Coordinates
- 25.5922, -80.3130
Represented by Academia
Academia Real Estate Corp can represent you on this property. Use the inquiry form to have a licensed broker reach out with full details and next steps.
Permit history
Permit records
Live permit data isn’t available via open data for this jurisdiction yet — check the official record directly.
Private inquiry
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Why this deal
- 0% off original list price
- Value-add opportunity
- Represented end-to-end by Academia
- Active listing — move quickly
Deal Score
48/100
Fair
is scored →
Scored neutral: our comparable-sale selection is being rebuilt so that it no longer references the asking price, and we will not score equity from an estimate we are not willing to publish.
0.0% off original list (full marks at 25%+).
97 days on market (full marks at 120+ — more time = more leverage).
Soft motivation language (value-add, motivated, tenant-occupied, cash-only).
A screen of the public MLS data we have — not an appraisal, valuation, or investment advice. Factors marked “assumed” were missing from the feed and scored neutral.
Deal scorecard
How four stakeholders read this deal
Risks
- Negative estimated equity — buying above estimated ARV, verify comps
- Flood zone AE — mandatory flood insurance required (NFIP or private); adds to carrying cost
- thin equity — lender-unfriendly LTV (≈ 97% of ARV)
What a super-investor sees
Investor
Investor equity estimate based on ARV from closed MLS comps minus list price and estima…
- Negative estimated equity — buying above estimated ARV, verify comps
What a bank sees
Lender / financing
Lender financeability estimate based on list price, ARV, and condition signals. Not a f…
- thin equity — lender-unfriendly LTV (≈ 97% of ARV)
What an insurer sees
Insurance / 4-point
Insurability read from roof, electrical, plumbing and HVAC ages in the public record. M…
- Flood zone AE — mandatory flood insurance required (NFIP or private); adds to carrying cost
What a GC / AHJ sees
Permits / condition
Permit records for Cutler Bay are not machine-readable by us yet, so no permit search was run. Verify directly with the building department.
4-point — last permit
- Roofnot covered
- Electricalnot covered
- Plumbingnot covered
- HVACnot covered
Estimates from public data — not an appraisal, insurance quote, or financing commitment. Insurability as of 2026-10-20. Verify with licensed professionals.
Deal calculator
Value-add deal calculator
7436 SW 188th Ln, Cutler Bay FL 33157, Cutler Bay, FL
ARV is seeded from the asking price, not from comps — enter your own after-repair value. We are rebuilding comparable-sale selection so it no longer references the ask, and we will not pre-fill this field from an estimate we are not publishing.
Recommended max offer
$430,379
Room vs list (above list)
$409,621
Est. equity
-$215,775
-26% of ARV, at list
ROC at list
-20%
Est. all-in at list
$1,055,775
list + rehab + txn + carry
70% rule MAO
$478,500
Estimates only — not investment advice or an offer. ARV is drawn from recent closed comps; rehab from a rate-card range. Verify ARV, rehab, and all costs with a licensed professional before acting.