Lakes By The Bay Cee Homes for Sale

Lakes By The Bay Cee is an age-restricted 55+ community in Cutler Bay, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $417,000 to $465,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Lakes By The Bay Cee and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Lakes By The Bay Cee and the Cutler Bay area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Lakes By The Bay Cee Cutler Bay homes for sale as of October 2026. The median asking price is $420,000. Asking prices run from $400,000 to $435,000.

That is 29% below the Cutler Bay median of $595,000. On a per-foot basis, homes here ask about $278 per square foot, compared with $322 across Cutler Bay. So the median price buys roughly 1,500 square feet of living area.

Listings here have averaged 42 days on the market. That is faster than the Cutler Bay average of 91 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Lakes By The Bay Cee date from 2004 to 2005. That puts them between 21 and 22 years old.

Every one of these homes went up after Florida adopted its statewide building code in 2002. In practice, that usually means impact-rated openings and stronger roof attachment. A wind mitigation inspection documents those features, and Florida insurers must offer premium discounts for them.

Here is what the median Lakes By The Bay Cee price means in Florida closing terms. At $420,000, a 20% down payment comes to about $84,000, leaving a loan near $336,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,176. Next, the intangible tax of 0.2% adds about $672. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $2,520 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Lakes By The Bay Cee listings show assignments to Dr. Edward L. Whigham (elementary), Cutler Bay Middle (middle) and Miami Southridge (high). However, boundaries can change each year, so confirm the assignment for a specific address with Miami-Dade County Public Schools.