8465 SW 186 ST, Cutler Bay, FL 33157

Parcel: 3660030030710 · Residential - Single Family · 1 Unit · Zoning: 2100

Assessed Value (2025)
$355,951

Property Details

Beds
3
Baths
2
Living Sqft
1,456
Year Built
1958
Lot Sqft
14,273
Stories
1
RESIDENTIAL - SINGLE FAMILY : 1 UNIT

Sales History

1
$141,000
1996-12-01
2
$440,000+212%
2006-07-01
3
$400,000-9%
2016-10-26
R BRUCE MUSGRAVE &W PEGGY M MATTHEW J ZUCKER

Tax Assessment History

$355,951
Assessed (2025)
$588,151
Market Value
$305,229
Taxable Value
$6,214
Annual Tax
2024
$345,920
$590,998
2025
$355,951
$588,151
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $355,951 $588,151 $305,229 $6,214
2024 $345,920 $590,998 $295,920 $6,025

About 8465 SW 186 ST, Cutler Bay, FL 33157

8465 SW 186 ST, Cutler Bay, FL 33157 is a 3-bedroom, 2-bathroom residential - single family : 1 unit built in 1958 with 1,456 square feet of living space on a 14,273 square foot lot. The property is currently owned by MATTHEW J ZUCKER REAGAN L CHALMERS, 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 2016-10-26 for $400,000, when R BRUCE MUSGRAVE &W PEGGY M sold to MATTHEW J ZUCKER. The property sold for $40,000 less than the prior sale of $440,000 on 2006-07-01. There are 3 recorded sales for this property.

The 2025 assessed value is $355,951 with a market value of $588,151. This breaks down to $328,279 for the land and $259,872 for the building. The assessed value increased 3% from $345,920 in 2024.

The property has the following tax exemptions: homestead. This property is located in FEMA Flood Zone X, which indicates minimal flood risk. Flood insurance is typically not required for properties in Zone X.

The median household income in this area is $108,165, and the median home value is $575,000. The population density is 3,712 people per square mile. There are active mortgage liens totaling $373,854 recorded against this property.

8465 SW 186 ST, Cutler Bay, FL 33157 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 1996 to 2016, with 3 recorded transactions in the public record.

The current assessed value represents 89% of the most recent sale price. Based on the most recent sale, this property traded at $275 per square foot — a key metric for comparing value across Cutler Bay's real estate market..

Current Owner

MATTHEW J ZUCKER REAGAN L CHALMERS
8465 SW 186 ST, CUTLER BAY, FL, 33157
Since: 2026-04-19
View owner profile →

Flood Zone

Zone X
Minimal risk

Est. Annual Insurance

$4,671 — $8,630
Flood $400 — $800
Property/Wind $4,271 — $7,830

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$108,165
Median Home Value$575,000
Pop. Density3,712/sq mi

Neighborhood 33157

46.3%
Owner-Occ
53.7%
Investor
161
Flips (4yr)
2,488
New Biz (3yr)
Distress Risk
MODERATE
36
View full risk analysis →

Mortgages

ACTIVE
$394,300
~$373,854 bal.
PENNYMAC LOAN SERVICES LLC · 2021-12-15
Est. Total Balance $373,854
* Estimated assuming 30-year fixed mortgage at prevailing rate at origination. Actual terms may differ.
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