10309 SW 232 ST, Cutler Bay, FL 33190
Parcel: 3060170262550 · Residential - Single Family · 1 Unit · Zoning: 0102
Assessed Value (2025)
$637,439
Property Details
Beds
4
Baths
2.5
Living Sqft
2,870
Year Built
2021
Lot Sqft
8,390
Stories
2
RESIDENTIAL - SINGLE FAMILY : 1 UNIT
Sales History
1
$480,700
2021-09-30
LENNAR HOMES LLC → GERMAN VARGAS &W
2
$640,000+33%
2023-01-30
GERMAN VARGAS → BERNARDO MANUEL CERVANTES
3
$640,000
2023-02-03
Tax Assessment History
$637,439
Assessed (2025)
$649,630
Market Value
$586,717
Taxable Value
$11,945
Annual Tax
2024
$619,475
$631,127
2025
$637,439
$649,630
Assessed Market
View detailed table
| Year | Assessed | Market | Taxable | Tax | Building | |
|---|---|---|---|---|---|---|
| 2025 | $637,439 | $649,630 | $586,717 | $11,945 | $234,325 | $415,305 |
| 2024 | $619,475 | $631,127 | $569,475 | $11,594 | $234,325 | $396,802 |
About 10309 SW 232 ST, Cutler Bay, FL 33190
10309 SW 232 ST, Cutler Bay, FL 33190 is a 4-bedroom, 2.5-bathroom residential - single family : 1 unit built in 2021 with 2,870 square feet of living space on a 8,390 square foot lot. The property is currently owned by BERNARDO MANUEL CERVANTES GUILLERMO GINORIO, recorded as of 2026-04-19. The owner appears to be owner-occupied based on the mailing address matching the property address.
The most recent sale was on 2023-02-03 for $640,000. There are 3 recorded sales for this property. The 2025 assessed value is $637,439 with a market value of $649,630.
This breaks down to $234,325 for the land and $415,305 for the building. The assessed value increased 3% from $619,475 in 2024. The property has the following tax exemptions: homestead.
The median household income in this area is $85,500, and the median home value is $438,600. The population density is 2,733 people per square mile. There are active mortgage liens totaling $431,914 recorded against this property.
10309 SW 232 ST, Cutler Bay, FL 33190 is located in Cutler Bay, Florida. Property records, tax assessments, sales history, and ownership information for this Cutler Bay property are sourced from miami_dade County public records. The complete ownership history of this property spans from 2021 to 2023, with 3 recorded transactions in the public record.
The current assessed value represents 100% of the most recent sale price. There are 3 active building permits on this property with a combined estimated cost of $71,955, indicating ongoing construction or renovation work. Based on the most recent sale, this property traded at $223 per square foot — a key metric for comparing value across Cutler Bay's real estate market..
Building Permits (10)
| Permit # | Type | Description | Status | Date | Cost |
|---|---|---|---|---|---|
| C2025095626 | building | A | — | ||
| C2025094716 | building | A | — | ||
| C2025097778 | mechanical | expired | — | ||
| C2025091157 | electrical | expired | — | ||
| C2025089049 | plumbing | expired | — | ||
| C2024128054 | building | A | $71,955 | ||
| C2024104643 | electrical | F | — | ||
| C2024081967 | building | F | $20,850 | ||
| C2024104672 | plumbing | F | — | ||
| C2023158398 | building | F | $26,300 |
Current Owner
BERNARDO MANUEL CERVANTES GUILLERMO GINORIO
10309 SW 232 ST, MIAMI, FL, 33190
Since: 2026-04-19
View owner profile →
Est. Annual Insurance
$4,224 — $7,174
Flood $400 — $800
Property/Wind $3,824 — $6,374
Estimate based on FEMA flood zone, property value, and year built. Actual premiums vary based on elevation, mitigation features, roof condition, and insurer. Not a quote.
Neighborhood
Median Income$85,500
Median Home Value$438,600
Pop. Density2,733/sq mi
Neighborhood 10309
100%
Owner-Occ
0%
Investor
1
Flips (4yr)
0
New Biz (3yr)
Distress Risk
MODERATE
34
Mortgages
ACTIVE
$456,619
LENNAR MORTGAGE LLC · 2021-10-14
Est. Total Balance $431,914
* Estimated assuming 30-year fixed mortgage at prevailing rate at origination. Actual terms may differ.
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