Charming 3-bedroom, 2.5 bath single-family home in the desirable montego bay community of lakes by the bay. This 2-car garage home is ready for a new family to make it their own. Located in a nice neighborhood with great amenities, local parks, top-rated schools, and close by black point marina. Ideal for first-time buyers or those looking to downsize.

Montego Bay, 10013 SW 218th St, Cutler Bay, Florida 33190, image 1

Sold - Feb 09, 2026

$453,000 $47K

3 Beds
2 Baths
1,558 SqFt
$291/SqFt

House sold in Montego Bay10013 SW 218th St, Cutler Bay, FL 33190

Welcome to this beautiful single family home in the desirable lakes by the bay community! This 3-bedroom, 2-bath residence offers a bright and spacious layout, modern kitchen, and private patio. Enjoy serene outdoor living with access to the community pool, lake, walking trails, and tennis courts. Hoa includes lawn care, amenities, and night security patrol. Conveniently located near top schools, shopping, and black point marina. A must-see home in cutler bay!

Montego Bay, 10042 SW 220th St, Cutler Bay, Florida 33190, image 1

Sold - Dec 22, 2025

$443,500

2 Beds
2 Baths
1,136 SqFt
$390/SqFt

House sold in Montego Bay10042 SW 220th St, Cutler Bay, FL 33190

Charming 2-bedroom, 2-bath single-family home in the desirable montego bay community of lakes by the bay. This well-kept home features laminate bedroom floors, a 1-car garage, and a driveway that parks up to 3 additional cars. Includes a water softener system for added comfort and a cozy backyard perfect for relaxing or entertaining. Located in a peaceful neighborhood with great amenities, just minutes from parks, top-rated schools, and black point marina. Ideal for first-time buyers or those looking to downsize—comfort, functionality, and location all in one!

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Montego Bay, 9916 SW 218th Ter, Cutler Bay, Florida 33190, image 1

Sold - Sep 30, 2025

$620,000

4 Beds
2¹/₂ Baths
1,808 SqFt
$343/SqFt

House sold in Montego Bay9916 SW 218th Ter, Cutler Bay, FL 33190

Welcome to this stunning lake view home featuring 3 bedrooms/2.5 bath plus a den/bedroom with direct lake views, spacious living room, kitchen (stainless steel appliances), breakfast bar and nook all perfect for entaining in the very desired area of cutler bay. Master bedroom is a private retreat on different level with large walk-in closet and remodeled on-suite. Upstairs, you have 2 bedrooms with views of the lake. This home offers walk/run paths around the lake, tennis courts, playground close to restaurants, parks, black point marina and much more. Enjoy watching beautiful sunsets from the privacy of your backyard/deck, enjoying a cup of coffee and relaxing in this great paradise you will call home.

Montego Bay, 9951 SW 218th Ter, Cutler Bay, Florida 33190, image 1

Sold - Sep 15, 2025

$505,000 $45K

3 Beds
2 Baths
1,425 SqFt
$354/SqFt

House sold in Montego Bay9951 SW 218th Ter, Cutler Bay, FL 33190

Beautiful corner home in the desirable community of lakes by the bay in cutler bay. This single family house features a fairly new roof, accordion shutters, an upgraded kitchen, tile floors, kitchen and laundry appliances, and fenced patio. The house is built on a corner lot near the community pool. Amenities also include tennis courts, a lake, and maintenance of the common areas, this is a great location to live in miami. The florida turnpike and old cutler rd are just a few minutes drive from the community, and miami international airport is about 25 minute drive.

Montego Bay, 21760 SW 99th Pl, Cutler Bay, Florida 33190, image 1

Sold - Aug 19, 2025

$440,000

2 Beds
2 Baths
1,136 SqFt
$387/SqFt

House sold in Montego Bay21760 SW 99th Pl, Cutler Bay, FL 33190

Enjoy living in this charming well-maintained 2-bedroom, 2-bath home nestled on a quiet cul-de-sac street. The backyard opens to a tranquil pond with waterfall perfect for relaxing evenings and peaceful mornings. Equipped with accordion shutters and generac generator for added safety & peace of mind. This home features a one-car garage and is located minutes from the tennis courts and sparkling community pool that overlooks a beautiful lake. Ideal for those seeking comfort, tranquility, and scenic views all in one place. Our community has many family events like golf cart parades, chili cook-offs, plus many more. Close to turnpike, downtown cutler bay & upcoming legacy park, and popular black point mariana.

Montego Bay, 21820 SW 98th Pl, Cutler Bay, Florida 33190, image 1

Sold - Jul 14, 2025

$560,000

4 Beds
2¹/₂ Baths
1,506 SqFt
$372/SqFt

House sold in Montego Bay21820 SW 98th Pl, Cutler Bay, FL 33190

Welcome to your lakeside retreat in cutler bay! Enjoy serene lake views right from your couch in this 1, 506 square foot home. This 4 bed/2.5 bath was completely remodeled in 2023. New roof, a/c & tankless water heater installed in 2023. The open-concept layout offers a light-filled living & dining area. The modern kitchen features quartz countertops, soft-close drawers & ss appliances. Primary suite features a walk-in closet & dual vanities in the bathroom. Don't forget the one-car garage. Montego bay features scenic walking trails, a community pool and a kids playground. You're a short drive to black point marina, publix, target and starbucks! Montego bay is located right off 216th ave and old cutler road making it possible to hop on the turnpike in minutes (through the 216th entrance)

Montego Bay, 21664 SW 98th Pl, Cutler Bay, Florida 33190, image 1

Sold - May 30, 2025

$499,900 $30K

4 Beds
3 Baths
1,808 SqFt
$276/SqFt

House sold in Montego Bay21664 SW 98th Pl, Cutler Bay, FL 33190

***up to $20, 000 closing credit; include desired credit to the asking price ***beautiful three-story single-family home with 4 bedrooms & 3 full bathrooms located in highly sought-after lakes by the bay. The ground floor features one bedroom with a bathroom, closet, and access door. The main floor includes a spacious living room, a fully functional kitchen with plenty of built-in wooden cabinets for storage, stainless steel appliances, and a spacious primary bedroom with two walk-in closets and an en-suite bathroom. You'll find two bedrooms with walk-in closets and one full bathroom upstairs. Fenced and covered backyard. The community offers a pool, tennis courts, a baseball field, and more! You'll love the great amenities. Enjoy an immersive 3d virtual tour. May the force be with you!

Montego Bay, 9921 SW 218th Ter, Cutler Bay, Florida 33190, image 1

Sold - Apr 28, 2025

$525,000 $25K

3 Beds
2 Baths
1,425 SqFt
$368/SqFt

Townhouse sold in Montego Bay9921 SW 218th Ter, Cutler Bay, FL 33190

Remodeled townhouse in lakes by the bay

Montego Bay, 9971 SW 218th Ter, Cutler Bay, Florida 33190, image 1

Sold - Feb 28, 2025

$515 $550K

3 Beds
2 Baths
1,425 SqFt
$0/SqFt

House sold in Montego Bay9971 SW 218th Ter, Cutler Bay, FL 33190

Beautifully remodeled three bedroom house complete with two bathrooms and a two car garage featuring impact windows, newer ac and water heater. Conveniently located by the community pool as well. Community walking trail and amenities enhance your living experience. Situated in a serene yet convenient location, this home offers the perfect mix of peace and accessibility.

Montego Bay, 9928 SW 218th Ter, Cutler Bay, Florida 33190, image 1

Pending

$419,900

3 Beds
2 Baths
1,425 SqFt
$295/SqFt

House for sale in Montego Bay9928 SW 218th Ter, Cutler Bay, FL 33190

Welcome to this charming two-story home offering 2 bedrooms and 2 bathrooms, complete with a 2-car garage. Enjoy an open floor plan that provides a comfortable flow throughout the main living spaces. Relax on the covered back porch or take in peaceful water views right from your patio. A wonderful blend of comfort and serenity in a beautifully laid-out home.

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Frequently Asked Questions

How much are the maintenance fees (HOA) in Montego Bay?

The current monthly maintenance fee at Montego Bay is ~0.09 per unit SqFt.

What is included in the Montego Bay monthly association dues?

The single_family_home dues at Montego Bay cover: Maintenance Grounds, Recreation Facilities, Common Areas, Maintenance Structure, Common Area Maintenance, Security.

What are Montego Bay Pet Policies & Restrictions?

Montego Bay Montego Bay is a pet-friendly “Dogs and Cats OK” subdivision for both owners and tenants. Please note that pet policies may change at the discretion of management and/or the Homeowners' Association (HOA) and may not apply to renters. Restrictions may apply to certain breeds, and size and weight limits may be in place.

What are the interior features of the residences?

Montego Bay Interior features include: Second Floor Entry, First Floor Entry, High Ceilings, Pantry, Upper Level Primary, Walk In Closets, Bedroom On Main Level, Closet Cabinetry, Entrance Foyer, Living Dining Room, Vaulted Ceilings, Bedroomon Main Level, Upper Level Master, Attic, Dining Area, Separate Formal Dining Room, Eatin Kitchen, Family Dining Room, Split Bedrooms, Main Level Primary, Breakfast Bar, French Doors Atrium Doors, Main Level Master, Breakfast Area

What are the available unit views from Montego Bay?

Montego Bay unit views: None, Garden, Lake

Scores

Walk Score^®

Car-Dependent. Almost all errands require a car.

100

Transit Score^®

Some Transit. A few nearby public transportation options.

100

Bike Score^®

Bikeable. Some bike infrastructure.

100

Sound Score^®

Bearable noise.

100

Cutler Bay

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