1000031185 - N Lake Tr, Monterey, TN 38574, Monterey
1000031184 - N Lake Tr, Monterey, TN 38574, Monterey
N Lake Trail - N Lake Tr, Monterey, TN 38574, Monterey
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23 photos

$20,000

N Lake Tr, Monterey, TN 38574
Monterey, TN 38574
Listed by Kamille McCoy · Cumberland Mountain Realty
Bedrooms
N/A
Bathrooms
N/A
Living area
N/A
Year built
N/A

About this home

**Beautiful 1.1-Acre Wooded Lot Across from Cumberland Lakes Main Lake!** Discover the perfect setting for your dream home on this beautiful approximately 1.1-acre wooded lot in the desirable Cumberland Lakes community. Located directly across the road from the main lake, this property is tucked up on a gentle knoll that rolls toward a great level building site at the back of the lot. Conveniently located between Cookeville and Crossville, Cumberland Lakes offers a recreational lifestyle surrounded by beautiful four-season scenery. Residents enjoy two community lakes for fishing and electric-boat boating, two boat ramps, parks, picnic areas, a clubhouse, and approximately 15 miles of paved community roads ideal for walking and biking. Situated at elevations approaching 2,000 feet, the Cumberland Plateau provides colorful fall foliage, crisp winter days, refreshing spring growth, and comfortable summer temperatures. The community is deed-restricted and designed to preserve its natural character and help maintain property values. A minimum 1,600-square-foot home is required. Private water well required. Fiber-optic internet and electricity are available at the road. A wonderful opportunity to build your dream home in a peaceful, nature-filled community with the added appeal of being just across from the main lake, while enjoying convenient access to the amenities of both Cookeville and Crossville.

Property details

MLS #
1357697
Property type
Land
Subdivision
Cumberland Lakes
Status
Active
Days on market
1
On market date
October 2, 2026
Stories
N/A
Total bathrooms
N/A
Garage spaces
N/A
Parking spaces
N/A
Lot size
1.1 acres
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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 (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
North Cumberland Elementary
6.03 mi away · Grades -1-8
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
576
Student:teacher ratio
17.5:1
District
Cumberland County
Middle
None found nearby
High
Monterey High School
7.2 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).

11
Very car-dependent
out of 100
EPA National Walkability Index
3.5 / 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 1 days -- 138 fewer days than Monterey's current average of 139 days.
For reference, the median list price across 121 active listings in Monterey right now is $164,900.

Mortgage calculator

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

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Est. monthly payment
$270/mo
$4,000 down
$16,000 loan
Principal & interest$104
Property tax (est.)$17
Home insurance (est.)$150

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Data source: Listing information provided by East Tennessee REALTORS® MLS via Trestle/CoreLogic. Last updated 18 hr 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.