9905 MONTEGO BAY DR, Cutler Bay, FL 33189

Parcel: 3660080061670 · Residential - Single Family · 1 Unit · Zoning: 0100

Assessed Value (2025)
$189,231

Property Details

Beds
3
Baths
1
Living Sqft
1,660
Year Built
1956
Lot Sqft
8,250
Stories
1
RESIDENTIAL - SINGLE FAMILY : 1 UNIT

Sales History

1
$90,100
2011-08-08
LISDANIA FABELOZARBRO LLC
2
$130,000+44%
2011-12-07
ZARBRO LLCCANDIDO COSME
3
$59,000-55%
2023-07-25
CANDIDO COSMECANDIDO COSME
4
$59,000
2023-08-28

Tax Assessment History

$189,231
Assessed (2025)
$489,047
Market Value
$138,509
Taxable Value
$2,820
Annual Tax
2024
$183,898
$491,035
2025
$189,231
$489,047
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $189,231 $489,047 $138,509 $2,820
2024 $183,898 $491,035 $133,898 $2,726

About 9905 MONTEGO BAY DR, Cutler Bay, FL 33189

9905 MONTEGO BAY DR, Cutler Bay, FL 33189 is a 3-bedroom, 1-bathroom residential - single family : 1 unit built in 1956 with 1,660 square feet of living space on a 8,250 square foot lot. The property is currently owned by CANDIDO COSME PATRICIA TANO, 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 2023-08-28 for $59,000. There are 4 recorded sales for this property. The 2025 assessed value is $189,231 with a market value of $489,047.

This breaks down to $247,500 for the land and $241,547 for the building. The assessed value increased 3% from $183,898 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 $76,722, and the median home value is $410,100.

The population density is 7,642 people per square mile. There are active mortgage liens totaling $115,834 recorded against this property. 9905 MONTEGO BAY DR, Cutler Bay, FL 33189 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 2011 to 2023, with 4 recorded transactions in the public record. The current assessed value represents 321% of the most recent sale price.

This high ratio could indicate the property was purchased below market value — a potential sign of a distressed sale or off-market deal. Based on the most recent sale, this property traded at $36 per square foot — a key metric for comparing value across Cutler Bay's real estate market..

Current Owner

CANDIDO COSME PATRICIA TANO
9905 MONTEGO BAY DR, CUTLER BAY, FL, 33189
Since: 2026-04-19
View owner profile →

Flood Zone

Zone X
Minimal risk

Est. Annual Insurance

$2,670 — $4,963
Flood $400 — $800
Property/Wind $2,270 — $4,163

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$76,722
Median Home Value$410,100
Pop. Density7,642/sq mi

Neighborhood 33189

59%
Owner-Occ
41%
Investor
77
Flips (4yr)
1,212
New Biz (3yr)
Distress Risk
MODERATE
31
View full risk analysis →

Mortgages

ACTIVE
$126,500
~$115,834 bal.
PLANET HOME LENDING LLC · 2021-08-24
Est. Total Balance $115,834
* Estimated assuming 30-year fixed mortgage at prevailing rate at origination. Actual terms may differ.
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