20955 SW 85th Pass, Cutler Bay (Miami), FL 33189 Property Records

Miami-Dade County property record for 20955 SW 85th Pass, Cutler Bay, FL 33189

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,020 sqft · built 1989
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jun 2020)
Tax Bill	$6,691 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`36-6010-021-0500`

Property Details

APN / Parcel Number

Primary APN	`36-6010-021-0500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,020 sqft Living Area
Gross Area	2,750 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1997
Architectural Style	Cluster
Exterior Material	Concrete Block/Stucco
Roof Type	Rigid Frame Bar Joist
Roof Material	Other
Lot Area	14,984 sqft (0.344 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	267 sqft
Porch	Porch
Porch Area	21 sqft
Patio Area	300 sqft

Location & Zoning

Street Address	20955 SW 85TH PASS
City	CUTLER BAY
State	FL
Zip	33189-3326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	CENTENNIAL SEC 2 PB 132-99 LOT 20 BLK 5 LOT SIZE 14984 SQ FT & INT IN COMMON AREA OR 15917-3800 0593 1 F/A/U 30-6010-021-0500
Legal Range	40E
Legal Township	56S
Legal Section	10
Legal Subdivision	CENTENNIAL
Legal Block	5
Legal Lot Number	20
Jurisdiction	DADE FL
Township / Civil Division	PRINCETON-GOULDS
Census Block Group	4
Census Block	4003
Census Tract	10613

Owner

20955 SW 85th Pass is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	20955 SW 85TH PASS, CUTLER BAY, FL 33189-3326
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 25, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2020 · Amount on File
Deed Sale	Jun 25, 2020 · Amount on File
Deed Document Number	2020355968
Deed Book / Page	31986 / 3641
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	20955 SW 85TH PASS, CUTLER BAY, FL 33189-3326
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000318029
Date	Apr 19, 2022
Book Page	33137/3625
Instrument	2022R0318029

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 25, 2020
Property Address	20955 SW 85TH PASS, CUTLER BAY, FL 33189-3326
Document Number	0000355968
Book / Page	31986 / 3641
Map Reference	MB 132 PG 99
Instrument Date	Jun 22, 2020
Instrument	2020R0355968
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 OLYMPUS WAY, 142, POINCIANA, FL 34759-4464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20955 SW 85TH PASS, CUTLER BAY, FL 33189-3326

Mortgage

Document Number	0000003643
Date	Jun 25, 2020
Instrument	31986/3643

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 20955 SW 85th Pass was $6,691 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	$6,691.00 Homeowner's exemption	$258,316	$642,860 Land $416,180 Building $226,680
2023	$6,214.00 (+2.98%) Homeowner's exemption	$243,725 (+3%)	$578,638 (+22.05%) Land $334,244 Building $244,394
2022	$6,034.00 Homeowner's exemption	$236,627	$474,109 Land $242,066 Building $232,043

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

Flood

FEMA maps place 20955 SW 85th Pass 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 248 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	248 in force
Nearby Flood Claims	134 (1992–2022)
Most Recent Claim	Jun 2022 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 14 claims Hurricane Irene, Oct 1999 · 19 claims Hurricane Andrew, Aug 1992 · 87 claims

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 20955 SW 85th Pass is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
SkyNet360 Fixed Wireless	160 / 35

May also be available: Verizon.

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