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57 photos

$534,998

221 Cumberland Cove Rd
Monterey, TN 38574
Listed by Elijah Castelli · Elevate Real Estate
Bedrooms
3
Bathrooms
3
Living area
N/A
Year built
2009

About this home

Five acres, a move-in-ready home, and the Cumberland Cove lifestyle--this is the kind of opportunity that deserves a closer look! Set in the sought-after Cumberland Cove subdivision, this well-kept property gives you room to spread out while enjoying the comfort and character of a home designed for everyday living. Inside, you'll find 3 bedrooms and 3 full bathrooms arranged across two levels, offering flexibility for daily routines, guests, hobbies, or a little extra breathing room. The mostly finished basement adds valuable space to make your own, whether you envision a recreation area, workout zone, hobby room, or relaxed hangout; only the furnace room remains unfinished. Thoughtful details bring warmth throughout, including custom-made drapes and curtain rods that add a distinctive finishing touch. When temperatures drop, settle in beside the gas fireplace and enjoy the cozy atmosphere. The kitchen features a gas stove/oven, while a tankless water heater adds everyday convenience. Outside, five acres open the door to all kinds of possibilities, and the 5-foot horse fence is already in place. Imagine enjoying your own slice of Tennessee countryside, with space to roam, garden, entertain, or simply savor a slower pace. Cumberland Cove offers community amenities and access to an appealing golf course, bringing recreation and relaxation within reach. Need to get out and about? Monterey is approximately 11 minutes away, while Cookeville and Crossville are each about 25 minutes away. Nashville International Airport (BNA) is roughly an hour and a half away for regional travel. If you've been waiting for a property that pairs acreage, practical features, and a welcoming community setting, put this one on your list. Come see what five acres and Cumberland Cove living could look like for you--schedule your showing today!

Highlights

Fireplace

Property details

MLS
East Tennessee REALTORS® MLS
MLS #
1360839
Property type
Single Family Residence
Subdivision
Cumb Cove Unit 2
Status
Active
Days on market
3
On market date
November 2, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
1
Parking spaces
N/A
Lot size
5 acres
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Burks Elementary
5.39 mi away · Grades -1-6
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
480
Student:teacher ratio
13.7:1
District
Putnam County
Middle
None found nearby
High
Monterey High School
5.69 mi away · Grades 7-12
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
594
Student:teacher ratio
17.0:1
District
Putnam County

Walkability

Blended score for Monterey's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

10
Very car-dependent
out of 100
EPA National Walkability Index
3.3 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Monterey, from live MLS data.

On the market 3 days -- 126 fewer days than Monterey's current average of 129 days.
For reference, the median list price across 133 active listings in Monterey right now is $145,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

Adjust tax / insurance estimates
Est. monthly payment
$3,372/mo
$107,000 down
$427,998 loan
Principal & interest$2,776
Property tax (est.)$446
Home insurance (est.)$150

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Data source: Listing information provided by East Tennessee REALTORS® MLS. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.