Tina Griffith

78 Emerald Place

Monterey, TN
$ 678,900 Beds 4 Baths 3.5 Sq 4,830 Virtual Tour
Monthly Estimate* How much can I afford?

Warm and Inviting LAKE FRONT Jim Barna Log Home equipped with personal floating dock and almost an acre peaceful and private lot with 240+ ft of water frontage . Impressive WOW Entry leads to soaring ceiling great room with exposed beams, huge window system for maximum water view enjoyment & stone gas fireplace. The primary suite features its own cozy gas fireplace, while the finished basement includes a wood-burning stove, full bath, storm shelter and flex/bonus rooms. Exterior XL front deck is handicap-accessible ramp for added comfort and convenience. Main level kitchen is expansive with loads of cabinets and gas range cook top (includes all appliances & washer/dryer). Two bedrooms on the main level share a full bath. Additional highlights include: Generac whole-home generator for peace of mind, Infrared and reverse osmosis water system for pure drinking water, Sunroom and/or Grow Room with skylights - ideal for year-round indoor enjoyment, plants or gardening. Massive main level deck and lower level deck with gazebo PLUS balcony deck overlooks the lake and backyard that's so inviting for family gatherings or personal relaxation. Fenced dog run for pets to roam safely Private cul-de-sac location, Cumberland Lakes neighborhood features many opps for recreation and community perks. Priced under appraisal value. This is a spectacular home. Seller discloses 2 bedroom septic permit.

Single Family

  • Price
  • $ 678,900
  • City
  • Monterey
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • CUMBERLAND
  • Half Bathrooms
  • 1
  • Area
  • Cumberland Co N - TN
  • Lot Size
  • 0.8 Acres
  • Zip
  • 38574
  • Sqr Footage
  • 4,830
  • Year Built
  • 2004
  • Taxes
  • $ 1386
  • Style
  • Site Built
  • MLS#
  • 246949
Listed By: Exit Cross Roads Realty Livingston
Data Source: Upper Cumberland Association of REALTORS® (UCAR)

Features

General

Sewer Septic Tank
Construction Log
Heating Electric,Propane,Central
Cooling Central Air
Possession Negotiable
Roof Composition
Appliances Dishwasher,Gas Oven,Refrigerator,Gas Range
Laundry Y/N Main Level
Water Well,Private
Water Heater Electric
Fireplaces Gas Log
Full Baths 3
Half Baths 1
Electric Circuit Breakers
Subdivision Cumberland Cove
County Cumberland
Levels Two
HOA Dues 175.00
Status Active
Patio/Deck Covered,Deck,Gazebo
Area Cumberland Co N,TN
Directions From Interstate I-40 west or east,take exit 311/ Plateau Road. Take Plateau Road south to Hwy 70 turn right/east to Mayland Loop. Take Mayland Loop to Jim Garrett and turn right and follow to Cumberl
Waterfront Private-Subdivision,Other-See Remarks

Interior Features

Interior Amenities Ceiling Fan(s),Vaulted Ceiling(s),Garage Door Opener,Walk-In Closet(s)
Basement 1
Beds 4

Exterior Features

Exterior Amenities Paved Streets,Dog Run

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
Adjust Payment Options
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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

9/4/2026 Listed $678,900

Property vs Zip Code Average in 38574

Price
AVG $490K
$680K
Taxes
AVG $1,259
$1,386
Year Built
AVG 2001
2004
Visits
AVG 3
5
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

78 Emerald Place Monterey, TN is a Single Family Home for sale at $678900 with 4830 sqft and a lot size of 0.8 Acres Acre(s). 78 Emerald Place Monterey has 4 bedrooms, 3 baths and was built in 2004. 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.

Tina Griffith

Tina Griffith

REALTOR®

423-319-6624

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