# 20816 SW 103rd Pl, Cutler Bay, FL 33189

> **TL;DR:** 3bd/2ba townhouse, $449,500 ($367/sqft), built 1981, 1,225 sqft.
> Waterfront, A/C, 2-car garage. Est. $2,629/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $449,500 |
| Price/sqft | $367 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,225 |
| Year Built | 1981 |
| Garage | 2-car |
| Property Type | Townhouse (Townhouse) |
| Status | Active |
| Days on Market | 0 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,273 |
| Estimated Insurance | $131 |
| HOA | $225 |
| **Total** | **$2,629** |

## Nearby Schools

- **Elementary:** Cutler Ridge

## Key Amenities

- Waterfront
- A/C
- 2-car garage

## Property Highlights

- Built in 1981
- Waterfront

## Description

### Agent Description
Owner is offering a contribution towards buyers closing costs or buy down of rate. Additionally, Horizon West Bank is offering a financing grant of $8k towards buyers closing costs and pre-paid. Ask us for more details. Welcome to this charming 3-bedroom, 2-bathroom one-story town home completely renovated in 2026 in the desirable Cutler Bay area. This well-maintained home features an open and spacious living area with beautiful wood-look flooring, a modern kitchen with granite countertops, and comfortable bedrooms offering plenty of natural light. Enjoy a peaceful water/canal view and a private outdoor setting perfect for relaxing or entertaining. AC 2016 and Roof 2016. The home also offers a paved driveway and convenient access to shopping, dining, major roadways, and everyday essentials. A wonderful opportunity for buyers looking for comfort, convenience, and South Florida living in a desirable Cutler Bay location.

## Location

- **Address:** 20816 SW 103rd Pl, Cutler Bay, FL 33189
- **County:** Miami-Dade
- **Neighborhood:** CUTLER CREEK CLUB SEC 1
- **Coordinates:** 25.573899, -80.360602
- **Google Maps:** https://www.google.com/maps?q=25.573899,-80.360602

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/9edbd829-c1ed-4e33-a0a2-9f51d0718350?setAttribution=mls&wl=true&initialViewType=pano

## Listing Agent

- **Name:** Ashley Brosky · **License:** 3513561
- **Brokerage:** LUXE Properties LLC
- **Broker Phone:** (305) 809-7650
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20816-SW-103rd-Pl_Cutler-Bay_FL_33189_M53171-82151?f=listhub&s=MAORFL&m=A12102317&c=propsimple)

## Photos

![20816 SW 103rd Pl - Photo 1](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f821468735r.jpg)

![20816 SW 103rd Pl - Photo 2](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3439139045r.jpg)

![20816 SW 103rd Pl - Photo 3](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3739768930r.jpg)

![20816 SW 103rd Pl - Photo 4](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1625465306r.jpg)

![20816 SW 103rd Pl - Photo 5](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f278891797r.jpg)

![20816 SW 103rd Pl - Photo 6](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f4025896043r.jpg)

![20816 SW 103rd Pl - Photo 7](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f549722919r.jpg)

![20816 SW 103rd Pl - Photo 8](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2392086409r.jpg)

![20816 SW 103rd Pl - Photo 9](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1696658261r.jpg)

![20816 SW 103rd Pl - Photo 10](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2578076017r.jpg)

![20816 SW 103rd Pl - Photo 11](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f542608647r.jpg)

![20816 SW 103rd Pl - Photo 12](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2530126411r.jpg)

![20816 SW 103rd Pl - Photo 13](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2699053634r.jpg)

![20816 SW 103rd Pl - Photo 14](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f171567665r.jpg)

![20816 SW 103rd Pl - Photo 15](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f934548583r.jpg)

![20816 SW 103rd Pl - Photo 16](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3282516408r.jpg)

![20816 SW 103rd Pl - Photo 17](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3574508273r.jpg)

![20816 SW 103rd Pl - Photo 18](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3114840092r.jpg)

![20816 SW 103rd Pl - Photo 19](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2722183778r.jpg)

![20816 SW 103rd Pl - Photo 20](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1955654736r.jpg)

![20816 SW 103rd Pl - Photo 21](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2954882797r.jpg)

![20816 SW 103rd Pl - Photo 22](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f3504726754r.jpg)

![20816 SW 103rd Pl - Photo 23](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2681251195r.jpg)

![20816 SW 103rd Pl - Photo 24](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1561397037r.jpg)

![20816 SW 103rd Pl - Photo 25](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2622358319r.jpg)

![20816 SW 103rd Pl - Photo 26](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f476070354r.jpg)

![20816 SW 103rd Pl - Photo 27](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1439562139r.jpg)

![20816 SW 103rd Pl - Photo 28](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f2838716058r.jpg)

![20816 SW 103rd Pl - Photo 29](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1434761362r.jpg)

![20816 SW 103rd Pl - Photo 30](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f4081860142r.jpg)

![20816 SW 103rd Pl - Photo 31](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f785547686r.jpg)

![20816 SW 103rd Pl - Photo 32](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f388896148r.jpg)

![20816 SW 103rd Pl - Photo 33](http://lh.rdcpix.com/55d0db6fe882702c90a8f8b556b60bb0l-f1048365372r.jpg)

---

**MLS#:** A12102317 | **Updated:** 2026-10-31
**Source:** listhub

*Copyright © 2026 Miami REALTORS®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/20816-sw-103rd-pl-cutler-bay-fl-33189-3cc639034bae45ef99837a45f36e822d)

---

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