Miami-Dade County property record for 20788 SW 89th Path, Cutler Bay, FL 33189
| Property Type | Cluster Home |
|---|---|
| Details | 3 bd · 2 ba · 2,126 sqft · built 2005 |
| Lot Size | 0.161 acres (7,036 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $630,000 (Mar 2025) |
| Tax Bill | $5,150 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jun 2018 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 36-6009-030-0760 |
| Primary APN | 36-6009-030-0760 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 2,978 sqft |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Rigid Frame Bar Joist |
| Lot Area | 7,036 sqft (0.161 acres) |
| Garage Area | 290 sqft |
| Porch | Porch |
| Porch Area | 164 sqft |
| Street Address | 20788 SW 89TH PATH |
|---|---|
| City | CUTLER BAY |
| State | FL |
| Zip | 33189-7386 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Cluster Home |
| Local Zoning Code | 0100:SINGLE FAM,GENERAL |
| Legal Description | CANTAMAR PB 161-27 T-21250 LOT 47 BLK 3 LOT SIZE 7036 SQ FT FAU 30-6009-000-0100 OR 20667-1640 0802 6 |
| Legal Range | 40 |
| Legal Township | 56 |
| Legal Section | 09 |
| Legal Subdivision | CANTAMAR |
| Legal Block | 3 |
| Legal Lot Number | 47 |
| Jurisdiction | DADE FL |
| Township / Civil Division | PRINCETON-GOULDS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10619 |
Source: Miami-Dade County records, as of February 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 20788 SW 89TH PATH, CUTLER BAY, FL 33189-7386 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 1, 2018 | Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on Record |
| Deed Sale | Mar 12, 2025 · Amount on Record |
| Prior Sale | Jul 2, 2014 · Amount on Record |
| Deed Document Number | 2025R0187557 |
| Deed Book / Page | 34656 / 4740 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 20788 SW 89TH PATH, CUTLER BAY, FL 33189-7386 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 20788 SW 89TH PATH, CUTLER BAY, FL 33189-7386 |
| Document Number | 0000530720 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 33269/3338 |
| Instrument | 2022R0530720 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 20788 SW 89TH PATH, CUTLER BAY, FL 33189-7386 |
| Document Number | 0000423143 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2018 |
| Name | Verified Name |
|---|---|
| Address | 20788 SW 89TH PATH CUTLER BAY FL 331897386, CUTLER BAY, FL 33189-7386 |
| Document Number | 0000423143 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 031058/003358 |
| Instrument | 423143 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
Source: Miami-Dade County assessment roll, as of July 1, 2025
| 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 | $5,150.00 (-10.29%) Homeowner's exemption | $272,573 (+5.99%) | $530,893 (+17.06%) Land $220,094 Building $310,799 |
| 2023 | $5,741.00 (+3.39%) Homeowner's exemption | $257,177 (+3%) | $453,537 (+4.9%) Land $199,540 Building $253,997 |
| 2022 | $5,553.00 Homeowner's exemption | $249,687 | $432,355 Land $127,842 Building $304,513 |
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.
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 Record 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.
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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