Luxury estate — 8303 Old Cutler Road · Cocoplum · Coral Gables
$6,800,000
8303 Old Cutler Road, Coral Gables, FL 33143
Coral Gables, FL, 33143
— bd · 0 ba · — sqft
Listed by BHHS EWM Realty
8303 Old Cutler Road, Coral Gables, FL 33143
Listed by BHHS EWM Realty
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Know your costs before you buy
Work through the cash needed at closing, including property taxes.
Cash to close
8303 Old Cutler Road, Coral Gables, FL 33143
Estimated cash to close est.
$1,425,892.00
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $5,440,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $5,967,250.00 or more to stay conforming.
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$1,425,892.00
- Down payment est.
- $1,360,000.00
- Mortgage note documentary stamps est.
- $19,040.00
- Mortgage intangible tax est.
- $10,880.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $19,125.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $12,372.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesLocated on a gracious 39,493 square foot lot in the prestigious South Gables this lovely home has been thoughtfully updated and is ready to be expanded or rebuilt! The 3,917 square foot home is set back from the street and features 5 bedrooms, 4.5 bathrooms, office, and gourmet kitchen with high-end appliances. The flexible floorplan offers generous living spaces in the living room, dining room, and family room overlooking the pool. Situated privately to one side of the house, the primary bedroom includes a new, spa-like bathroom and oversized closet. The home features a 2 car garage, laundry room, impact glass windows and doors, and a large covered patio. This is a prime opportunity!
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
120 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
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
Your costs (est.)
8303 Old Cutler Road, Coral Gables, FL 33143 · Coral Gables
Location
8303 Old Cutler Road, Coral Gables, FL 33143
What buyers ask about this home
What are the estimated monthly carrying costs at 8303 Old Cutler Road, Coral Gables, FL 33143?+
Property tax (after sale): $6,186/month est. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 8303 Old Cutler Road, Coral Gables, FL 33143?+
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 8303 Old Cutler Road, Coral Gables, FL 33143 need flood insurance, and what drives the premium?+
Most of Coral Gables 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 8303 Old Cutler Road, Coral Gables, FL 33143?+
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, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
Is there room to negotiate on 8303 Old Cutler Road, Coral Gables, FL 33143?+
This listing has been on the market 120 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 Coral Gables, 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
Ponce De Leon Middle School
Middle school · 1.5 mi from this home · 5801 Augusto St, Coral Gables
Coral Gables Senior High School
High school · 2.7 mi from this home · 450 Bird Rd, Coral Gables
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
ST. Thomas Episcopal Parish School
Elementary · Private · Catholic · Grades PK–5 · Coral Gables
Somerset Academy Elementary School (South Miami Campus)
Elementary · Charter · Grades PK–5 · South Miami
Somerset Academy Charter Middle School (South Miami Campus)
Middle school · Charter · Grades 6–8 · South Miami
Carrollton School-Sacred Heart
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · Miami
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Closed sales in the last 12 months, newest first. Tap a home for its photos and sale facts.
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Simon Gedz
Realtor® since 1995
Interested in this property?
$6,800,000 · MLS A12050318
$6,800,000
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