452 Cumberland Cove Rd

Monterey, TN
$ 634,900 Beds 3 Baths 3.5 Sq 2,833 Virtual Tour
Monthly Estimate* How much can I afford?

Nestled in the highly sought-after Cumberland Cove community atop the scenic Cumberland Plateau, this private 4-acre estate offers peaceful mountain-country living with convenient access to city amenities, healthcare, and private community hiking trails featuring streams and waterfalls. The beautifully updated 3-bedroom, 3.5-bath main residence includes a fully equipped, private mother-in-law suite—ideal for multi-generational living or guests. The main home features dual primary suites, one on the main level and another upstairs, plus a spacious bonus room and generously sized bedrooms. The inviting living area centers around a gas log fireplace, while the chef's kitchen offers granite countertops, custom cabinetry with pull-out drawers, and brand-new refrigerator, microwave, and sink. Fresh interior paint and a washer and dryer that remain add convenience. The private mother-in-law suite features its own ensuite bath and gas log fireplace. Outside, enjoy the freshly painted wrap-around porch, perfect for taking in the peaceful surroundings and watching local deer. The beautifully landscaped acreage features mature hostas, hydrangeas, and rhododendrons, plus a fully fenced, established organic garden currently producing a variety of vegetables. Additional features include a 2-car attached garage, circle driveway with ample recreational vehicle parking, storage shed, whole-house backup generator, whole-home water filtration system, and fully encapsulated crawlspace for enhanced climate and moisture control.

Single Family

  • Price
  • $ 634,900
  • City
  • Monterey
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • PUTNAM
  • Half Bathrooms
  • 1
  • Area
  • Putnam Co SE - TN
  • Lot Size
  • 4 Acres
  • Zip
  • 38574
  • Sqr Footage
  • 2,833
  • Year Built
  • 1998
  • Taxes
  • $ 2366
  • Style
  • Site Built
  • MLS#
  • 246561
Listed By: The Huffaker Group, LLC
Data Source: Upper Cumberland Association of REALTORS® (UCAR)

Features

General

Sewer Septic Tank
Construction Frame
Heating Natural Gas,Central
Kitchen Level Lower
Cooling Central Air
Possession Negotiable
Roof Metal
Appliances Dishwasher,Gas Oven,Disposal,Refrigerator,Gas Range,Microwave,Washer,Dryer
Laundry Y/N Main Level
Water Public
Water Heater Electric
Fireplaces Two,Gas Log
Full Baths 3
Half Baths 1
Electric Circuit Breakers
Subdivision Cumberland Cove
County Putnam
Levels Two
HOA Dues 138.00
Status Active
Dining Room Level Main
Living Room Level Lower
Patio/Deck Porch,Covered,Deck
Area Putnam Co SE,TN
Directions From I-40 E: Take exit 301 for US-70N toward Monterey/Jamestown. Turn right onto US-70N E. Turn right onto Cumberland Cove Rd. Property is on the right.
Living Room Size 17x15
Waterfront None

Interior Features

Interior Amenities Ceiling Fan(s),Smoke Detector
Beds 3

Exterior Features

Exterior Amenities Guest House

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Crossville, TN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/19/2026 Listed $634,900

Property vs Zip Code Average in 38574

Price
AVG $470K
$630K
Taxes
AVG $1,169
$2,366
Year Built
AVG 2002
1998
Visits
AVG 4
5
Data Provided by Inside Real Estate®

452 Cumberland Cove Rd Monterey, TN is a Single Family Home for sale at $634900 with 2833 sqft and a lot size of 4 Acres Acre(s). 452 Cumberland Cove Rd Monterey has 3 bedrooms, 3 baths and was built in 1998. The property's zip code is 38574 which is in Monterey, TN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.