Cumberland Lakes Homes with Restrictions

Cumberland Lakes Homes with Restrictions

Welcome to Cumberland Lakes, a charming subdivision nestled in the heart of Monterey, Tennessee. This picturesque community offers a tranquil escape from the hustle and bustle of city life, while still being conveniently located near all the amenities you could need.

Cumberland Lakes is a well-established neighborhood known for its beautiful homes and friendly atmosphere. With homes that boast stunning architecture and spacious layouts, this subdivision is perfect for families, retirees, and everyone in between.

One unique feature of Cumberland Lakes is that the homes come with restrictions, ensuring that the community maintains its high standards and cohesive appearance. These restrictions help protect property values and create a cohesive aesthetic throughout the neighborhood, making it a desirable place to call home.

Located in Monterey, Tennessee, Cumberland Lakes offers residents a peaceful setting with easy access to outdoor activities, shopping, dining, and more. Whether you're looking to enjoy a relaxing day by the lake or explore the nearby parks and hiking trails, Cumberland Lakes has something for everyone.

If you're searching for a home in a welcoming community with a true sense of community spirit, look no further than Cumberland Lakes in Monterey, Tennessee. Come and discover all that this charming subdivision has to offer!

Newest Cumberland Lakes Homes with Restrictions

29 Mountain Ash Drive, Monterey
$349,000
3 Beds ⋅ 2 Baths ⋅ 1358661 MLS
Welcome to 29 Mountain Ash Dr., Monterey, TN! Built in 2023, this meticulously maintained 3-bedroom, 2-bath home offers modern comfort, thoughtful features, and a peaceful setting on .82 of an acre. From the inviting interior to the beautifully cared-for property, this home is ready for its next owner to enjoy. The kitchen is designed for both everyday living and entertaining, featuring granite countertops, stainless steel appliances, and a convenient walk-in pantry. The open, comfortable feel of the home is complemented by an EPA-certified cast iron hybrid wood-burning stove with a heat shield and blower, providing an excellent additional heating option. The primary bedroom is accompanied by two additional bedrooms and a full guest bathroom, offering a practical layout for family, guests, or a home office. A dedicated laundry room adds everyday convenience, while the attached two-car garage provides ample space for parking and storage. The home also features a private well water source with a filtration system and an outdoor storage shed for additional storage needs. Step outside and enjoy the spacious .82-acre property, which has been meticulously cared for along with the home itself. Located in a community featuring two lakes and a clubhouse, this property offers an opportunity to enjoy a relaxed lifestyle with access to community amenities. If you're looking for a newer home with modern finishes, a well-designed layout, extra storage, and a beautifully maintained property in a desirable community, this Monterey home is a must-see!

29 Mountain Ash Drive, Monterey
1 Thistle Rd, Monterey
$23,500
1358560 MLS
**Beautiful Wooded 0.8-Acre Lot Backing Up to a Tract of Over 600 Acres in Cumberland Lakes!** Discover the ideal setting for your dream home with this approximately 0.8-acre, level, wooded lot in the desirable Cumberland Lakes community. Featuring mature trees, abundant wildlife, and several potential building sites, this property offers a peaceful, private setting surrounded by the natural beauty of the Cumberland Plateau. Enjoy the added appeal of backing up to a tract of over 600 acres, providing a beautiful natural backdrop and a sense of privacy. Conveniently located between Cookeville and Crossville, Cumberland Lakes offers a relaxing recreational lifestyle with scenic four-season beauty and a variety of community amenities. Residents enjoy two lakes for fishing and electric-powered boating, two boat ramps, parks, picnic areas, a clubhouse, and approximately 15 miles of paved roads ideal for walking and biking. The community is deed-restricted to help preserve its natural surroundings and maintain property values. A minimum 1,600-square-foot home is required. A private water well is needed, and electricity and fiber-optic internet are available at the road. Whether you're planning your forever home, a weekend getaway, or a peaceful retreat, this property offers an excellent opportunity to enjoy nature, privacy, and community amenities while remaining conveniently located between Cookeville and Crossville. **An additional lot is available next door, offering an excellent opportunity to expand your space!**

1 Thistle Rd, Monterey
Divide Tr, Monterey
$14,900
1358487 MLS
Make this peaceful community your new home. Large lot in the country but close to town. The community has a private lake for all your outdoor water fun. Buyer to verify all information prior to making an offer.

Divide Tr, Monterey
5 Austin Drive, Monterey
$23,500
1358482 MLS
**Beautiful 1-Acre Wooded Lot Backing Up to 1,100 Acres in Cumberland Lakes!** Discover the perfect setting for your dream home on this approximately 1-acre, level, wooded lot in the desirable Cumberland Lakes community. Featuring mature trees, abundant wildlife, and multiple potential building sites, this property offers a peaceful, private setting surrounded by the natural beauty of the Cumberland Plateau. Enjoy the added appeal of backing up to approximately 1,100 acres, providing a beautiful natural backdrop. Conveniently located between Cookeville and Crossville, Cumberland Lakes offers a relaxing recreational lifestyle with four-season scenery and a variety of community amenities. Residents enjoy two lakes for fishing and electric-powered boating, two boat ramps, parks, picnic areas, a clubhouse, and approximately 15 miles of paved roads ideal for walking and biking. The community is deed-restricted to help preserve its natural beauty and maintain property values. A minimum 1,600-square-foot home is required. A private water well is required, and electricity and fiber-optic internet are available at the road. Whether you're planning your forever home or a peaceful retreat, this property offers an excellent opportunity to enjoy nature and community amenities while remaining conveniently located between Cookeville and Crossville. **Additional lot available next door--an excellent opportunity to expand your space!**

5 Austin Drive, Monterey
4 Austin Drive, Monterey
$23,500
1358479 MLS
**Beautiful 1-Acre Wooded Lot Backing Up to 1,100 Acres in Cumberland Lakes!** Discover the perfect setting for your dream home on this approximately 1-acre, level, wooded lot in the desirable Cumberland Lakes community. Featuring mature trees, abundant wildlife, and multiple potential building sites, this property offers a peaceful, private setting surrounded by the natural beauty of the Cumberland Plateau. Enjoy the added appeal of backing up to approximately 1,100 acres, providing a beautiful natural backdrop. Conveniently located between Cookeville and Crossville, Cumberland Lakes offers a relaxing recreational lifestyle with four-season scenery and a variety of community amenities. Residents enjoy two lakes for fishing and electric-powered boating, two boat ramps, parks, picnic areas, a clubhouse, and approximately 15 miles of paved roads ideal for walking and biking. The community is deed-restricted to help preserve its natural beauty and maintain property values. A minimum 1,600-square-foot home is required. A private water well is required, and electricity and fiber-optic internet are available at the road. Whether you're planning your forever home or a peaceful retreat, this property offers an excellent opportunity to enjoy nature and community amenities while remaining conveniently located between Cookeville and Crossville. **Additional lot available next door--an excellent opportunity to expand your space!**

4 Austin Drive, Monterey
L7 Cumberland Lakes Drive, Monterey
$20,000
1357819 MLS
**Beautiful 1 Acre Wooded Level Lot in Cumberland Lakes!** Discover the perfect setting for your dream home on this beautiful approximately 1 acre, level, wooded lot in the desirable Cumberland Lakes community. Mature trees, abundant wildlife, and several potential building sites create a peaceful, natural setting on the Cumberland Plateau. 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 in a peaceful, nature-filled community while enjoying convenient access to the amenities of both Cookeville and Crossville. Seller has Additional 1 acre Lot 6 Available Next Door!

L7 Cumberland Lakes Drive, Monterey
L6 Cumberland Lakes Drive, Monterey
$20,000
1357818 MLS
**Beautiful 1 Acre Wooded Level Lot in Cumberland Lakes!** Discover the perfect setting for your dream home on this beautiful approximately 1 acre, level, wooded lot in the desirable Cumberland Lakes community. Mature trees, abundant wildlife, and several potential building sites create a peaceful, natural setting on the Cumberland Plateau. 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 in a peaceful, nature-filled community while enjoying convenient access to the amenities of both Cookeville and Crossville. Seller has Additional 1 acre Lot 7 Available Next Door!

L6 Cumberland Lakes Drive, Monterey
376 Lakeshore Drive, Monterey
$369,900
3 Beds ⋅ 2 Baths ⋅ 1357701 MLS
Tennessee Log Cabin Under Construction in Cumberland Lakes Experience the charm of authentic Tennessee cabin living with this beautifully crafted **1,200 sq. ft. log cabin**, nestled in the sought-after **Cumberland Lakes** community. Surrounded by mature trees and natural beauty, this earthy green cabin offers seasonal wintertime glimpses of the lake through the trees and backs up to more than *1,100 acres*, creating a peaceful and private setting. Designed with quality, durability, and timeless cabin character in mind, the home features **authentic log exterior walls, a standing-seam metal roof, and shake accents in the gables**. A spacious **10' x 44' covered porch** provides the perfect place to relax, enjoy the wooded surroundings, and take in seasonal views of the lake. The property also includes a substantial **24' x 30' timber-framed carport** with a concrete apron, offering plenty of covered parking, large enough for a boat or camper. Inside, the open-concept floor plan offers **3 bedrooms and 2 full bathrooms**, with cathedral ceilings adding character and creating a spacious, inviting feel throughout the main living areas. Durable **luxury vinyl plank flooring** runs throughout the home, while the authentic log construction adds warmth and rustic charm. Central heating and cooling provide comfortable year-round living. The kitchen is designed for both everyday living and entertaining, featuring **stylish black cabinetry, a tile backsplash, stainless steel appliances, quartz countertops, and a large center island**. The open layout creates a natural flow between the kitchen, dining, and living areas, making the space ideal for gathering with family and friends. Thoughtfully designed for efficiency, the home also features a **stacked washer and dryer**, maximizing available space while keeping the laundry area convenient and functional. The spacious primary suite offers a relaxing retreat with a **cathedral ceiling, large walk-in closet, and beautifully tiled walk-in shower**. The second full bathroom features a convenient tub/shower combination and durable vinyl flooring. With **fiber-optic internet available**, this cabin offers the best of both worlds--a peaceful retreat surrounded by nature with the connectivity needed for working from home. Conveniently located between **Cookeville and Crossville**, Cumberland Lakes offers a peaceful country lifestyle while remaining within easy reach of shopping, dining, healthcare, and other everyday amenities in both communities. Property owners enjoy access to **two private lakes--Cumberland Lake, approximately 41.2 acres, and Lazy Lake, approximately 15.5 acres**. Both lakes offer opportunities for **kayaking, paddleboarding, and fishing**, with electric boats permitted. The community also features **three common parks, picnic areas, a clubhouse, and approximately 25 miles of scenic community roads** connecting the lakes and natural areas. The paved roads provide an ideal setting for walking, cycling, and exploring the beautiful Cumberland Plateau surroundings. This is a rare opportunity to own a **genuine log cabin in a peaceful lake community**, surrounded by nature and thoughtfully designed for enjoying Tennessee's four-season outdoor lifestyle.

376 Lakeshore Drive, Monterey
N Lake Tr, Monterey
$20,000
1357697 MLS
**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.

N Lake Tr, Monterey
7 Divide Tr, Monterey
$20,000
1357149 MLS
**Beautiful 1.1-Acre Wooded Level Lot in Cumberland Lakes!** Discover the perfect setting for your dream home on this beautiful approximately 1.1-acre, level, wooded lot in the desirable Cumberland Lakes community. Mature trees, abundant wildlife, and several potential building sites create a peaceful, natural setting on the Cumberland Plateau. 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 in a peaceful, nature-filled community while enjoying convenient access to the amenities of both Cookeville and Crossville. Seller has Additional 1.1 Lot Available Next Door!

7 Divide Tr, Monterey
6 Divide Tr, Monterey
$20,000
1357146 MLS
**Beautiful 1.1-Acre Wooded Level Lot in Cumberland Lakes!** Discover the perfect setting for your dream home on this beautiful approximately 1.1-acre, level, wooded lot in the desirable Cumberland Lakes community. Mature trees, abundant wildlife, and several potential building sites create a peaceful, natural setting on the Cumberland Plateau. 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 in a peaceful, nature-filled community while enjoying convenient access to the amenities of both Cookeville and Crossville. Seller has Additional 1.1 Lot Available Next Door!

6 Divide Tr, Monterey
1 Cumberland Lakes Drive, Monterey
$70,000
1356934 MLS
**LAKEFRONT 1.1-ACRE LOT IN CUMBERLAND LAKES!** Beautiful building site overlooking Lazy Lake, a 15.5-acre lake with approximately 20-foot average depths. The lot is slightly rolling at the front and levels out toward the back, offering an ideal setting for a home with water views. Enjoy fishing and swimming right from your backyard with a natural rock ledge along the shoreline. Located in the peaceful, wooded Cumberland Lakes community on the Cumberland Plateau at elevations approaching 2,000 feet. A private water well will be required, and fiber-optic internet is available at the road. Cumberland Lakes is a deed-restricted community featuring lakes for fishing and electric-boat boating, community boat ramps, parks, picnic areas, clubhouse, and approximately 15 miles of paved community roads for walking and biking. Minimum home size is 1,600 sq. ft. Conveniently located between Cookeville and Crossville. Build your lakefront retreat and enjoy four-season living in a private recreational community! Call me for a showing today, Kamille McCoy 931-319-7362

1 Cumberland Lakes Drive, Monterey
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