# Cumberland Lakes Drive, Monterey, TN 38574 > **TL;DR:** land, $45,000. Est. $416/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $45,000 | | Lot Size | 139,392 sqft (3.20 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 0 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $228 | | Estimated Insurance | $13 | | HOA | $175 | | **Total** | **$416** | ## Property Highlights - 3.20 acre lot ## Description ### Agent Description Build Your Dream Home in Beautiful Cumberland Lakes! Discover the perfect setting for your future home with this 3.2-acre wooded lot on Cumberland Lakes Drive in Monterey, Tennessee. This property is approved for a 3-bedroom home and already includes a valid septic permit, making it an excellent opportunity to begin building sooner. Nestled within the highly desirable Cumberland Lakes community, you'll enjoy the peace and beauty of nature while having access to four pristine private lakes surrounded by scenic forest. Whether you enjoy fishing, kayaking, wildlife watching, or simply taking in the tranquil surroundings, this community offers an exceptional lifestyle. Residents also have access to approximately 15 miles of paved roads, perfect for walking, jogging, or leisurely bike rides through the picturesque landscape. If you've been searching for a private homesite with modern conveniences and outstanding natural beauty, this property is ready to make your vision a reality. Don't miss this opportunity to own your piece of Tennessee paradise! Seller is offering owner financing!! ## Location - **Address:** Cumberland Lakes Drive, Monterey, TN 38574 - **County:** Cumberland - **Neighborhood:** Cumberland Cove - **Coordinates:** 36.1322065, -85.128043 - **Google Maps:** https://www.google.com/maps?q=36.1322065,-85.128043 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/00-Cumberland-Lakes-Drive-Monterey-TN-38574/unbranded ## Listing Agent - **Name:** Jerry Payne - **Brokerage:** The Real Estate Collective Crossville - **Broker Phone:** 9312508470 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/Cumberland-Lakes-Dr_Monterey_TN_38574_M98796-52182?f=listhub&s=UCARTN&m=246302&c=propsimple) ## Photos ![Cumberland Lakes Drive - Photo 1](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f1418600643r.jpg) ![Cumberland Lakes Drive - Photo 2](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f187691563r.jpg) ![Cumberland Lakes Drive - Photo 3](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2179018454r.jpg) ![Cumberland Lakes Drive - Photo 4](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f867536645r.jpg) ![Cumberland Lakes Drive - Photo 5](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2889223208r.jpg) ![Cumberland Lakes Drive - Photo 6](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2510776985r.jpg) ![Cumberland Lakes Drive - Photo 7](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2916359298r.jpg) ![Cumberland Lakes Drive - Photo 8](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2772435483r.jpg) ![Cumberland Lakes Drive - Photo 9](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2858742276r.jpg) ![Cumberland Lakes Drive - Photo 10](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f4272324169r.jpg) ![Cumberland Lakes Drive - Photo 11](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f3541792022r.jpg) ![Cumberland Lakes Drive - Photo 12](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f689511647r.jpg) ![Cumberland Lakes Drive - Photo 13](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f2386354925r.jpg) ![Cumberland Lakes Drive - Photo 14](http://lh.rdcpix.com/7697a3b830644305674d71ecc0812d41l-f4093896112r.jpg) --- **MLS#:** 246302 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 Upper Cumberland Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/cumberland-lakes-drive-monterey-tn-38574-fe1c6c31ac474596aeb5c06ec25d0470) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/cumberland-lakes-drive-monterey-tn-38574-fe1c6c31ac474596aeb5c06ec25d0470#listing", "url": "https://staging.propertysimple.ai/listing/cumberland-lakes-drive-monterey-tn-38574-fe1c6c31ac474596aeb5c06ec25d0470", "name": "Cumberland Lakes Drive, Monterey, TN 38574", "description": "Build Your Dream Home in Beautiful Cumberland Lakes! Discover the perfect setting for your future home with this 3.2-acre wooded lot on Cumberland Lakes Drive in Monterey, Tennessee. 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