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+42 photosGated community home — 7246 SW 146th St Circle · Cutler Oaks · Palmetto Bay
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Open property magazine$1,850,000
7246 SW 146th St Circle, Palmetto Bay, FL 33158
Palmetto Bay, FL, 33158
4 bd · 3 ba · 4,314 sqft
Listed by Onyx Realty
7246 SW 146th St Circle, Palmetto Bay, FL 33158
Listed by Onyx Realty
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Estimated monthly payment
$13,368/mo
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated monthly payment $13,368/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: X · verify insurance quotes before buying.
About this home
Find similar homesElegant Two-Story Home in Exclusive Old Cutler Oaks – a gated and quiet community on North Palmetto Bay. Property features 3,287 Sq. Ft., 4 bedrooms and 3 bathrooms. Formal living and dining rooms, a large family room, and a spacious kitchen with a breakfast nook overlooking the swimming pool and patio. One bedroom and one bathroom are conveniently located on the first floor and are ideal as a home-office. Roof is 4 years old, and pool was recently resurfaced. , Additional features include a laundry room, a breakfast nook off the kitchen, and a two-car garage. Old Cutler Oaks is a beautiful community of only 14 homes, offering a peaceful, private, and exclusive residential setting. Property is in No flood zone. A wonderful opportunity to enjoy spacious living, privacy in a truly special gated community. Great public and private schools.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 12%
The seller has come down from $2,100,000 to $1,850,000 — a $250,000 reduction since it came on the market.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
Dogs
Welcome per listing rules
Cats
Welcome per listing rules
Your costs (est.)
≈ $13,368/mo
7246 SW 146th St Circle, Palmetto Bay, FL 33158 · Palmetto Bay
Location
7246 SW 146th St Circle, Palmetto Bay, FL 33158
What buyers ask about this home
What are the estimated monthly carrying costs at 7246 SW 146th St Circle, Palmetto Bay, FL 33158?+
Property tax (after sale): $2,618/month est.; homeowners insurance: $984/month est.; HOA: $166/month. Fixed ownership costs before a mortgage: $3,769/month est. Principal and interest: $9,599/month; PMI: $0/month. Total for the payment scenario shown: $13,368/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 7246 SW 146th St Circle, Palmetto Bay, FL 33158?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 7246 SW 146th St Circle, Palmetto Bay, FL 33158 need flood insurance, and what drives the premium?+
Most of Palmetto Bay sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should an inspection focus on for a home like 7246 SW 146th St Circle, Palmetto Bay, FL 33158?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type (cast iron and polybutylene are common in homes of this era), and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the pool at 7246 SW 146th St Circle, Palmetto Bay, FL 33158?+
A pool typically adds ongoing service, chemicals and electricity, plus periodic resurfacing and equipment replacement. Verify the safety barrier meets Florida code, which is required for insurance and resale.
Is there room to negotiate on 7246 SW 146th St Circle, Palmetto Bay, FL 33158?+
This listing has been on the market 28 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Palmetto Bay, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
Coral Reef Elementary School
Elementary · 0.9 mi from this home · 7955 Sw 152Nd St, Palmetto Bay
Southwood Middle School
Middle school · 1.4 mi from this home · 16301 Sw 80Th Ave, Palmetto Bay
Miami Palmetto Senior High School
High school · 1.7 mi from this home · 7431 Sw 120Th St, Miami
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
Westminster Christian Private School, Inc.
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Palmetto Bay
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
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Simon Gedz
Realtor® since 1995
Interested in this property?
$1,850,000 · MLS A12108729
$1,850,000
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