19501 Sterling Dr, Cutler Bay (Miami), FL 33157 Property Records

Miami-Dade County property record for 19501 Sterling Dr, Cutler Bay, FL 33157

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,666 sqft · built 1964
Lot Size	0.318 acres (13,834 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2019)
Tax Bill	$5,860 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`36-6005-007-0130`

Property Details

APN / Parcel Number

Primary APN	`36-6005-007-0130`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,666 sqft Living Area
Gross Area	2,094 sqft
1st Floor Area	1,666 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1984
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	13,834 sqft (0.318 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Area	132 sqft
Porch	Porch
Porch Area	44 sqft

Location & Zoning

Street Address	19501 STERLING DR
City	CUTLER BAY
State	FL
Zip	33157-8554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	5 56 40 BEL-AIRE SEC 2PB 65-132 LOT 1 BLK 14 LOT SIZE110.670 X 125 COC 22745-0023 07 2004 5 F/A/U 30-6005-007-0130 COC 22745-0004 09 2004 1
Legal Range	40E
Legal Township	56S
Legal Section	05
Legal Subdivision	BEL-AIRE
Legal Block	14
Legal Lot Number	1
Jurisdiction	DADE FL
Township / Civil Division	PRINCETON-GOULDS
Census Block Group	2
Census Block	2005
Census Tract	10623

Owner

19501 Sterling Dr is owned and occupied by two individuals who bought it in January 2019.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19501 STERLING DR, CUTLER BAY, FL 33157-8554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST FINANCIAL INC
Jan 7, 2019	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2019 · Amount on File
Deed Sale	Jan 7, 2019 · Amount on File
Prior Sale	Oct 19, 2004 · Amount on File
Deed Document Number	201911047
Deed Book / Page	31280 / 1157
Prior Transfer Date	Jul 19, 2004
Prior Transfer Doc	0000917710
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	19501 STERLING DR, CUTLER BAY, FL 33157-8554
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439201
Date	Aug 11, 2020
Book Page	32044/3526
Instrument	2020R0439201

Lender

Name	1ST FINANCIAL INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jan 7, 2019
Property Address	19501 STERLING DR, CUTLER BAY, FL 33157-8554
Document Number	0000011047
Book / Page	31280 / 1157
Map Reference	MB 65 PG 132
Instrument Date	Dec 6, 2018
Instrument	2019R0011047
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	INVESTMENT TRUST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19521 STERLING DR, 19521, CUTLER BAY, FL 33157-8554

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19501 STERLING DR, CUTLER BAY, FL 33157-8554

Mortgage

Document Number	0000011048
Date	Jan 7, 2019
Instrument	2019R0011048

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 19501 Sterling Dr was $5,860 with a homeowner's exemption.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Cutler Bay Town
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,860.00 Homeowner's exemption	$321,238	$539,350 Land $342,302 Building $197,048
2023	$5,376.00 (+3.9%) Homeowner's exemption	$303,093 (+3%)	$476,166 (+15.77%) Land $287,092 Building $189,074
2022	$5,174.00 Homeowner's exemption	$294,266	$411,308 Land $231,882 Building $179,426

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19501 Sterling Dr in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 177 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	229 units insured incl. 52 condo units
Nearby Flood Claims	4 (2005–2025)
Most Recent Claim	Jun 2025 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 19501 Sterling Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
SkyNet360 Fixed Wireless	160 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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