10445 SW 226th St, Cutler Bay FL 33190
About this home
**Exceptional value in the highly desirable Enclave at Black Point Marina!** This spacious two-story residence offers 3,726 total square feet with a versatile floor plan designed for today's lifestyle. The first-floor bedroom and full bathroom are ideal for guests, multigenerational living, or a private home office. Bright living and dining areas flow into a spacious kitchen featuring stainless steel appliances, wood cabinetry, and a breakfast nook. Upstairs you'll find an oversized primary suite with a walk-in closet plus three additional bedrooms. Tile and laminate flooring throughout. Enjoy a screened patio, fenced backyard, and a renovated flame-safe certified Tiki hut—perfect for outdoor entertaining. Additional features include impact-rated front entry and garage doors, automatic garage door opener, two A/C units (one replaced in 2022), gutters, **historically low electricity costs according to the seller**, and a low HOA fee of only $80/month. Conveniently located near Black Point Marina, Homestead Air Reserve Base, shopping, restaurants, parks, schools, hospitals, and major highways. Easy to show.
Features
- First Floor Entry
- Pantry
- Walk-In Closet(s)
- Family Room
- Utility Room/Laundry
- Lake
Location
Approximate — shows the building, not the unit. Open in maps (opens in a new tab)
Estimated loan & HOA
Loan payment and HOA only. Property tax and insurance are significant here and are not included.
- Principal & interest
- $3,539
- HOA
- $80 / mo
Illustration only — not a loan offer, quote, or commitment. Assumes a 30-year loan at 6.5% with 20% down (rates as of July 2026); your actual terms will differ.
Schedule a tour
Request a private or video tour with a local agent.
Run the numbers
We fill in the price and the building's HOA dues. That leaves rent, tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Vacancy and the loan terms below start at common defaults; change them.
Enter rent, property tax, insurance, maintenance to see the returns. A cap rate calculated without every cost overstates the deal — often by half — so we don't show a partial one.
Illustration only — not a loan offer, quote, or investment advice. The loan fields start at 20% down over 30 years at 6.5% (rates as of July 2026); that is a nominal rate for illustration, not an APR, and your actual terms will differ. Cap rate is unlevered; cash-on-cash counts the down payment as invested capital and excludes closing costs.
Listing data from the MIAMI Association of REALTORS® (MIAMIRE) IDX program. Information deemed reliable but not guaranteed. Demo data shown for layout purposes.