19521 Sterling Dr, Cutler Bay (Miami), FL 33157 Property Records

Miami-Dade County property record for 19521 Sterling Dr, Cutler Bay, FL 33157

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,136 sqft · built 1964
Lot Size	0.323 acres (14,063 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jun 2020)
Tax Bill	$8,372 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2020 Sale + 1 more
Flood Zone	Zone AH (high risk)
APN	`36-6005-007-0150`

Property Details

APN / Parcel Number

Primary APN	`36-6005-007-0150`
Alternative APN	`3060050070150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,136 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	2,136 sqft
Flooring	Covered

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1999
Exterior Material	Composition
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	14,063 sqft (0.323 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Porch	Porch
Porch Area	56 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	19521 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 3 BLK 14 LOT SIZEIRREGULAR OR 20797-2055 112002 1 F/A/U 30-6005-007-0150
Legal Range	40E
Legal Township	56S
Legal Section	05
Legal Subdivision	BEL-AIRE
Legal Block	14
Legal Lot Number	3
Jurisdiction	DADE FL
Township / Civil Division	PRINCETON-GOULDS
Census Block Group	2
Census Block	2005
Census Tract	10623

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	19521 STERLING DR, CUTLER BAY, FL 33157-8554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SUNSHINE FINANCIAL GROUP INC
Mar 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 3, 2019	Warranty Deed, Transfer INVERNESS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	2020350117
Deed Book / Page	31982 / 2975
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 23, 2020
Property Address	19521 STERLING DR, CUTLER BAY, FL 33157-8554
Document Number	0000350117
Book / Page	31982 / 2975
Map Reference	MB 65 PG 132
Instrument Date	Jun 3, 2020
Instrument	2020R0350117
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1474A W 84TH ST, 1474A, HIALEAH, FL 33014-3363

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19521 STERLING DR, CUTLER BAY, FL 33157-8554

Mortgage

Document Number	0000002977
Date	Jun 23, 2020
Instrument	31982/2977

Lender

Name	SUNSHINE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Mar 24, 2020
Property Address	19521 STERLING DR, CUTLER BAY, FL 33157-8554
Document Number	0000188215
Book / Page	031868 / 003781
Instrument Date	Mar 16, 2020
Instrument	188215
Transaction Type	Transfer
Record Updated	Apr 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1474A W 84TH ST HIALEAH FL 330143363, HIALEAH, FL 33014-3363

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jul 3, 2019
Property Address	19521 STERLING DR, CUTLER BAY, FL 33157-8554
Document Number	0000410935
Book / Page	031508 / 001006
Instrument Date	Jun 13, 2019
Instrument	410935
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	INVERNESS TITLE

Transaction

Amount	Amount Recorded
Tax	$1,650.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1474 W 84TH ST #A HIALEAH FL 330143363, A, HIALEAH, FL 33014-3363

Tax Assessment & Valuation

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	$8,372.00 (+5.56%) Homeowner's exemption	$241,735 (+5.99%)	$567,558 (+11.23%) Land $309,811 Building $257,747
2023	$7,931.00 (+2.22%) Homeowner's exemption	$228,081 (+3%)	$510,243 (+13.6%) Land $259,841 Building $250,402
2022	$7,759.00 Homeowner's exemption	$221,438	$449,157 Land $209,872 Building $239,285

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

Flood

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 Record 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

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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