# Divide Trl lot: 5, Monterey, TN 38571

> **TL;DR:** land, $16,000. Est. $86/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $16,000 |
| Lot Size | 44,997 sqft (1.03 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%) | $81 |
| Estimated Insurance | $5 |
| **Total** | **$86** |

## Property Highlights

- 1.03 acre lot

## Description

### Agent Description
Welcome to the beautiful Cumberland Lakes community! With a very active neighborhood watch, community center, quarterly newsletter, two dam-controlled lakes with boat ramp access, three common parks, picnic areas, and a community clubhouse, 25 miles of hiking or biking paved roads throughout this beautiful wooded community!!! This buildable lot is ready for your dream home! POA $175/yr. No HOA , Cumberland

## Location

- **Address:** Divide Trl lot: 5, Monterey, TN 38571
- **County:** Cumberland
- **Neighborhood:** Cumberland Lake
- **Coordinates:** 36.09594074, -85.13932885
- **Google Maps:** https://www.google.com/maps?q=36.09594074,-85.13932885

## Virtual Tour & Media

- **Video Tour:** tour.usamls.net/00-Divide-Trl-Monterey-TN-38571/unbranded

## Listing Agent

- **Name:** Tammy Jo Atkins
- **Brokerage:** Highlands Elite Real Estate LLC - Baxter
- **Broker Phone:** 9314008820
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/Divide-Trl_Monterey_TN_38571_M98960-17956?f=listhub&s=UCARTN&m=236239&c=propsimple)

## Photos

![Divide Trl lot: 5 - Photo 1](http://lh.rdcpix.com/f6c80ea491da66750dd900aa292e8600l-f3443674485r.jpg)

![Divide Trl lot: 5 - Photo 2](http://lh.rdcpix.com/f6c80ea491da66750dd900aa292e8600l-f809320620r.jpg)

![Divide Trl lot: 5 - Photo 3](http://lh.rdcpix.com/f6c80ea491da66750dd900aa292e8600l-f2299466365r.jpg)

![Divide Trl lot: 5 - Photo 4](http://lh.rdcpix.com/f6c80ea491da66750dd900aa292e8600l-f3110211696r.jpg)

![Divide Trl lot: 5 - Photo 5](http://lh.rdcpix.com/f6c80ea491da66750dd900aa292e8600l-f3110211696r.jpg)

---

**MLS#:** 236239 | **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/divide-trl-lot-5-monterey-tn-38571-eed8f67a7ecc45f5a024e74ea40894c4)

---

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