Miami-Dade County property record for 20656 SW 89th Ave, Cutler Bay, FL 33189
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,570 sqft · built 2004 |
| Lot Size | 0.121 acres (5,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,000 (Jun 2025) |
| Tax Bill | $4,549 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 36-6009-030-0590 |
| Primary APN | 36-6009-030-0590 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,570 sqft Living Area |
| Gross Area | 2,008 sqft |
| 1st Floor Area | 1,570 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Cluster |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Other |
| Lot Area | 5,250 sqft (0.121 acres) |
| View / Lot | Lake Front |
| Garage Area | 160 sqft |
| Porch | Porch |
| Porch Area | 99 sqft |
| Street Address | 20656 SW 89TH AVE |
|---|---|
| City | CUTLER BAY |
| State | FL |
| Zip | 33189-1884 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | CANTAMAR PB 161-27 T-21250 LOT 30 BLK 3 LOT SIZE 5250 SQ FT FAU 30-6009-000-0100 OR 20667-1640 0802 6 COC 22779-1286 10 2004 1 F/A/U 30-6009-030-0590 |
| Legal Range | 40E |
| Legal Township | 56S |
| Legal Section | 09 |
| Legal Subdivision | CANTAMAR |
| Legal Block | 3 |
| Legal Lot Number | 30 |
| Jurisdiction | DADE FL |
| Township / Civil Division | PRINCETON-GOULDS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10619 |
20656 SW 89th Ave is owned by two individuals who acquired it in September 2025.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10150 SW 223RD TER, CUTLER BAY, FL 33190-1569 |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Aug 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2025 · Amount on File |
| Deed Sale | Jun 16, 2025 · Amount on File |
| Prior Sale | Aug 5, 2016 · Amount on File |
| Deed Document Number | 2025458852 |
| Deed Book / Page | 34803 / 4964 |
| Last Transfer Date | Sep 8, 2025 |
| Transfer Doc | 0000681309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 20656 SW 89TH AVE, CUTLER BAY, FL 33189-1884 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000238527 |
|---|---|
| Date | Apr 11, 2023 |
| Book Page | 33658/3101 |
| Instrument | 2023R0238527 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 20656 SW 89TH AVE, CUTLER BAY, FL 33189-1884 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000501573 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 31105/0789 |
| Instrument | 2018R0501573 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 20656 SW 89TH AVE, CUTLER BAY, FL 33189-1884 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20656 SW 89TH AVE, CUTLER BAY, FL 33189-1884 |
| Document Number | 0000451179 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 32053/998 |
| Instrument | 2020R0451179 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 20656 SW 89th Ave was $4,549.
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Cutler Bay Town |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,549.00 Homeowner's exemption | $245,406 | $424,252 Land $185,750 Building $238,502 |
| 2023 | $4,094.00 (+4.15%) Homeowner's exemption | $231,544 (+3%) | $359,971 (+5.55%) Land $165,000 Building $194,971 |
| 2022 | $3,931.00 Homeowner's exemption | $224,800 | $341,033 Land $107,250 Building $233,783 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 20656 SW 89th Ave in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 223 policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 223 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 20656 SW 89th Ave is low, with 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 488 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| SkyNet360 Fixed Wireless | 160 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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