20646 SW 89 AVE, Cutler Bay, FL 33189

Parcel: 3660090300580 · Residential - Single Family · Cluster Home · Zoning: 0100

Assessed Value (2025)
$560,840

Property Details

Beds
3
Baths
2
Living Sqft
2,126
Year Built
2004
Lot Sqft
5,250
Stories
2
RESIDENTIAL - SINGLE FAMILY : CLUSTER HOME

Sales History

1
$500
2012-02-15
MARGARITA FREIREONEWEST BANK FSB
2
$288,400+57580%
2013-12-12
ROSEMARY CANCHOLALUIS ANDREW RUIZ
3
$460,000+60%
2020-11-20
LUIS ANDREW RUIZXABIER GALLARDO SALABERRIA

Tax Assessment History

$560,840
Assessed (2025)
$560,840
Market Value
$510,118
Taxable Value
$10,386
Annual Tax
2024
$545,440
2025
$560,840
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $560,840 $560,840 $510,118 $10,386
2024 $545,440 $545,440 $495,440 $10,087

About 20646 SW 89 AVE, Cutler Bay, FL 33189

20646 SW 89 AVE, Cutler Bay, FL 33189 is a 3-bedroom, 2-bathroom residential - single family : cluster home built in 2004 with 2,126 square feet of living space on a 5,250 square foot lot. The property is currently owned by XABIER GALLARDO SALABERRIA ANA ROSA JIMINIAN BAEZ, 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 2020-11-20 for $460,000, when LUIS ANDREW RUIZ sold to XABIER GALLARDO SALABERRIA . The property has appreciated $171,600 (60%) since the prior sale of $288,400 on 2013-12-12. There are 3 recorded sales for this property.

The 2025 assessed value is $560,840 with a market value of $560,840. This breaks down to $185,750 for the land and $375,090 for the building. The assessed value increased 3% from $545,440 in 2024.

The property has the following tax exemptions: homestead. The median household income in this area is $67,095, and the median home value is $480,200. The population density is 6,121 people per square mile.

20646 SW 89 AVE, 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 2012 to 2020, with 3 recorded transactions in the public record.

The current assessed value represents 122% 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 $216 per square foot — a key metric for comparing value across Cutler Bay's real estate market..

Current Owner

XABIER GALLARDO SALABERRIA ANA ROSA JIMINIAN BAEZ
20646 SW 89 AVE, CUTLER BAY, FL, 33189
Since: 2026-04-19
View owner profile →

Est. Annual Insurance

$3,765 — $6,408
Flood $400 — $800
Property/Wind $3,365 — $5,608

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$67,095
Median Home Value$480,200
Pop. Density6,121/sq mi

Neighborhood 20646

100%
Owner-Occ
0%
Investor
0
Flips (4yr)
0
New Biz (3yr)
Distress Risk
LOW
6
View full risk analysis →
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