452 Cumberland Cove Rd

Monterey, TN
$ 634,900 Beds 3 Baths 2.5 Sq 2,833
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.

Active

  • Price
  • $ 634,900
  • City
  • Monterey
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • PUTNAM
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 4 Acres
  • Zip
  • 38574
  • Sqr Footage
  • 2,833
  • Year Built
  • 1998
  • Taxes
  • $ 2367
  • Style
  • Contemporary
  • MLS#
  • 3516104
Listed By: The Huffaker Group, LLC;
Data Source: Listing courtesy of RealTracs MLS as distributed by MLS GRID

Features

General

Living Area 2833
Sewer Septic Tank
Heating Central,Heat Pump
Cooling Central Air
Utilities Water Available
Possession Negotiable
Roof Metal
Appliances Built-In Gas Oven,Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
HOA Fee 138
Garage Spaces 2
Patio/Porch Features Deck,Covered,Patio,Porch
Architectural Style Contemporary
Security Features Smoke Detector(s)
Construction Materials Brick,Vinyl Siding
Year Built 1998
Stories Count 2
Topography Corner Lot,Wooded
Levels Two
Property Subtype Single Family Residence
Assoc Fee Paid Per Annually
County Putnam County,TN
New Construction No
Property Type Residential
Association Amenities Clubhouse
Attached Garage Yes
Subdivision Name Cumberland Cove
Garage Y/N Yes
Full Baths 2
Status Active
Buyer Financing Conventional,FHA,Other,VA
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.
High School Monterey High School
City Monterey
Senior Community Y/N No
Lot Size Units Acres
Elementary School Burks Elementary
Property Attached Y/N No
Year Built Details Existing
Tax Annual Amount 2367
Middle/Junior High School Monterey High School
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active

Interior Features

Interior Amenities Air Filter,Ceiling Fan(s),Entrance Foyer,High Ceilings,Kitchen Island
Basement Crawl Space
Flooring Carpet,Wood,Tile
Total Fireplaces 2
Air Conditioning Y/N Yes
Heating Y/N Yes
Fireplace Y/N Yes
Above Grade Finished Area 2833
Half Baths 1
Laundry Features Electric Dryer Hookup,Washer Hookup
Total Bedrooms 3
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3

Exterior Features

Parking Features Garage Door Opener,Attached,Driveway,Gravel
Lot Features Corner Lot,Wooded
Water Source Public
Total Parking 2
Lot Size Area 4
Building Area Total 2833
Lot Size Acres 4
Lot Size Source Assessor
Waterfront Y/N No
Covered Spaces 2
Other Equipment Air Purifier

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 Tullahoma, TN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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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 Burks Elementary
Middle School Monterey High School
High School Monterey High School

Price History

8/19/2026 Listed $634,900

Property vs Zip Code Average in 38574

Price
AVG $490K
$630K
Taxes
AVG $1,171
$2,367
Year Built
AVG 2002
1998
Visits
AVG 0
8
Data Provided by Inside Real Estate®

Areas That We Cover

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, 2 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.