19620 Sterling Dr, Cutler Bay (Miami), FL 33157 Property Records

Miami-Dade County property record for 19620 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	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,000 (Jan 2020)
Tax Bill	$7,517 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`36-6005-007-1190`

Property Details

APN / Parcel Number

Primary APN	`36-6005-007-1190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,666 sqft Living Area
Gross Area	2,110 sqft
1st Floor Area	1,666 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2004
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Area	132 sqft
Porch	Porch
Porch Area	49 sqft
Patio Area	138 sqft

Location & Zoning

Street Address	19620 STERLING DR
City	CUTLER BAY
State	FL
Zip	33157-8556
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 21BLK 16 LOT SIZE 75.000 X 110 OR 19312-1706 092000 1 F/A/U 30-6005-007-1190
Legal Range	40E
Legal Township	56S
Legal Section	05
Legal Subdivision	BEL-AIRE
Legal Block	16
Legal Lot Number	21
Jurisdiction	DADE FL
Township / Civil Division	PRINCETON-GOULDS
Census Block Group	2
Census Block	2006
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	19620 STERLING DR, CUTLER BAY, FL 33157-8556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 8, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on Record
Deed Sale	Jan 8, 2020 · Amount on Record
Prior Sale	Apr 26, 2010 · Amount on Record
Deed Document Number	202014771
Deed Book / Page	31762 / 4556
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	19620 STERLING DR, CUTLER BAY, FL 33157-8556
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19620 STERLING DR, CUTLER BAY, FL 33157-8556

Mortgage

Document Number	0000723301
Date	Sep 22, 2025
Book Page	34953/2290
Instrument	2025R0723301

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Jan 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jan 8, 2020
Property Address	19620 STERLING DR, CUTLER BAY, FL 33157-8556
Document Number	0000014771
Book / Page	031762 / 004556
Instrument Date	Dec 27, 2019
Instrument	14771
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,094.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	19620 STERLING DR CUTLER BAY FL 331578556, CUTLER BAY, FL 33157-8556

Mortgage

Document Number	14772
Date	Jan 8, 2020
Book Page	031762/004558
Instrument	14772

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2050

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	$7,517.00 (+7.13%) Homeowner's exemption	$312,528 (+5.99%)	$492,112 (+11.02%) Land $247,500 Building $244,612
2023	$7,017.00 (+41.1%) Homeowner's exemption	$294,875 (+3%)	$443,282 (+13.35%) Land $206,250 Building $237,032
2022	$4,973.00 Homeowner's exemption	$286,287	$391,065 Land $165,000 Building $226,065

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	Not rated no burnable land within 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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