309 Anne Rd

Monterey, TN 38574

$645,000
Last Sold Price
2
Beds
2,287 Sq. Ft.
$282 / Sq. Ft.
2,287
Sq. Ft.
$282
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Closed 11/18/25
Closed 11/18/25
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Description

Stunning lakefront home..... Welcome to this move-in-ready custom home nestled in the peaceful and scenic Cumberland Lakes community. Boasting 2 bedrooms, 3 full bathrooms, and a beautifully designed open layout with a detached mother-in-law suite. This meticulously maintained home is the perfect lakeside retreat, ideal as a full-time residence or a luxurious weekend getaway. From the moment you arrive, you'll be struck by the home's inviting curb appeal and tranquil setting. Situated on a generous...Stunning lakefront home..... Welcome to this move-in-ready custom home nestled in the peaceful and scenic Cumberland Lakes community. Boasting 2 bedrooms, 3 full bathrooms, and a beautifully designed open layout with a detached mother-in-law suite. This meticulously maintained home is the perfect lakeside retreat, ideal as a full-time residence or a luxurious weekend getaway. From the moment you arrive, you'll be struck by the home's inviting curb appeal and tranquil setting. Situated on a generous 1.1 acre lot on a private lake. The home greets you with a bright, vaulted-ceiling living room, complete with a floor-to-ceiling wood-burning fireplace which creates a warm and inviting atmosphere year-round. The open-concept floor plan is ideal for entertaining, featuring a spacious living area that flows into the dining space and kitchen. Whether you're hosting family dinners or casual get-togethers, this home is designed for connection and comfort. The kitchen offers plenty of cabinets, modern appliances, and generous counter space, making meal prep both functional and enjoyable. Step outside to take in the expansive lake views from the large, side, covered porch or the oversized back deck, perfect for sipping morning coffee or relaxing with friends as the sun rises over the water. Take advantage of your private dock, where you can fish, launch your kayak or boat, or simply enjoy the serenity of lakeside living at its finest. Key Features Include: vaulted ceilings & abundant natural light; floor-to-ceiling wood-burning fireplace; open-concept living and dining areas; loft space ideal for a reading nook, hobby area, or additional guest sleeping; separate home office with natural light; detached garage with a 600 sqft. mother-in-law suite—perfect for guests or multigenerational living; tankless water heater for added efficiency and convenience. Located between Crossville, Monterey, and Cookeville, perfect blend of privacy and accessibility. This home offers the perfect balance of modern comfort, rustic charm, and breathtaking natural beauty. Whether you're curling up by the fire in winter, working from home in your private office, or enjoying long summer days on the water, this property provides a lifestyle of peace, privacy, and possibility. The Cumberland Lakes community is known for its serene atmosphere, well-maintained properties, and beautiful natural surroundings. It's more than just a place to live, it's a place to thrive. Don't Miss This One-of-a-Kind Lakeside Home! Homes of this quality and location are rare, schedule your private tour today and experience everything this incredible property has to offer.
  1. Listed by Scott Allen • Mountaineer Realty LLC

Property Details for 309 Anne Road

Architectural Style
Contemporary
Sub division Name
Cumberland Cove
View
Country Setting, Lake
Style Contemporary
True
LISTING UPDATED: 11/18/2025 02:11 PM

Property Details for 309 Anne Road

StatusClosed
MLS #1316114
Days on Market35
Taxes$1,175 / year
HOA Fees$175 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeSingle Family / Single Family Residence
Year Built2023
Lot Size1.10 AC / 47,916 SF
CountyCumberland County
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Location

Listing Courtesy of Mountaineer Realty LLC, Scott Allen

Sold By ReMax Real Estate Ten, Michelle Hodges (423.307.3980)

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Building Information for 309 Anne Road

Stories-Year Built2023Building Size-Lot Size1.10 AC / 47,916 SF

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$3,360 per month

30 year fixed, 6.46% Interest

Principal and Interest

$3,248

Property Taxes

$98

HOA Dues

$15

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Property Information for 309 Anne Road

Summary
Location and General Information
  • City: Monterey
  • County Or Parish: Cumberland County - 34
  • Directions: Follow I-40 to Plateau Rd. Take exit 311 from I-40; Turn left onto Plateau Rd, 1.4 mi; Turn right onto US-70N W 1.8 mi Follow Jim Garrett Rd and Cumberland Lakes Dr to Anne Rd
  • FrontageType: Lakefront
  • Latitude: 36.107568
  • Longitude: -85.136709
  • MLS Area Major: Cumberland County - 34
  • MLS Area Minor: Cumberland County - 34
  • Postal Code: 38574
  • State Or Province: TN
  • View Country Setting: True
  • View Lake: True
  • View Lakefront: True
  • Location Tax Legal Info Area: Cumberland County - 34
  • Remarks Misc Directions: Follow I-40 to Plateau Rd. Take exit 311 from I-40; Turn left onto Plateau Rd, 1.4 mi; Turn right onto US-70N W 1.8 mi Follow Jim Garrett Rd and Cumberland Lakes Dr to Anne Rd
  • Amenities Available Lake: true
Parking
  • Attached Garage: No
  • Parking Features: Garage Door Opener, RV Parking, Main Level
  • Atchd Dtchd Type Detached: True
  • Garage Parking Garage Door Opener: True
  • Garage Parking Main Level: True
  • Garage Parking RV Parking: True
  • Garage Parking Garage Spaces: 2.0
Taxes and HOA Information
  • Association Fee: 175.0
  • Association: true
  • Association Fee Frequency: Yearly
  • Tax Block: 234
  • Parcel Number: 017P C 026.00
  • Location Tax Legal Info Total Tax: 1175.29
  • General Property Description HOA Fee: 175.0
  • General Property Description HOA Freq: Yearly
  • General Property Description HOA Contact: Cumberland Lakes POA
  • General Property Description HOA: Mandatory
Virtual Tour
  • Virtual Tours Count: 0
Property
Lot Information
  • Building Area Source: Owner
  • Lot Size Area: 1.1
  • Lot Size Units: Acres
  • Lot Size Square Feet: 47916.0
  • Year Built: 2023
  • Lot Features: Lake/Water Access, Lakefront, Wooded
  • Building Area Total: 2287.0
  • Lot Size Acres: 1.1
  • Lot Size Source: Tax Records
  • General Property Description SqFt - Main Lvl: 1687.0
  • General Property Description SqFt - Down Lvl: 0.0
  • General Property Description SqFt - 2nd Flr Lvl: 300.0
  • General Property Description SqFt - 3rd Flr Lvl: 0.0
  • General Property Description SqFt - Source: Owner
  • General Property Description Acres: 1.1
  • General Property Description Acre Source: Tax Records
  • General Property Description Site Built: Yes
  • Lot Description Lakefront: True
  • Lot Description Waterfront Access: True
  • Lot Description Wooded: True
Property and Assessments
  • Possession: At Closing
  • Property Attached: No
  • Property Type Label: Single Family
  • Floor Plans Count: 0
  • Property Type: Single Family
  • Property Sub Type: Single Family Residence
  • Possession At Closing: True
Utilities
  • General Property Description Sewer: Septic Tank
  • Fuel Propane: True
  • Misc Features Internet Available: True
  • Sewer Septic Tank: True
  • Water Well: True
Interior and Exterior Features
Exterior Features
  • Exterior Features: Balcony, Boat - Ramp, Dock
  • Other Structures: Guest House
  • Construction Materials: Vinyl, Frame
  • Siding Vinyl: True
  • Outbuildings Guest House: True
  • Community Amenities Architect Restricted: True
  • Community Amenities Dock: True
  • Community Amenities Lake Access: True
  • Exterior Features Balcony: True
  • Exterior Features Boat - Ramp: True
  • Exterior Features Deck: True
  • Exterior Features Dock: True
  • Exterior Features Porch - Covered: True
Interior Features
  • Beds Total: 2
  • Baths Full: 3
  • Baths Half: 0
  • Cooling: Central Cooling
  • Fireplaces Total: 1
  • Fireplace: Yes
  • Bathrooms Total Integer: 3
  • Cooling Details: Yes
  • Kitchen Appliances: Tankless Water Heater, Dishwasher, Dryer, Microwave, Range, Refrigerator, Self Cleaning Oven, Washer
  • Basement: No
  • Heating Details: Central, Heat Pump, Propane
  • Fireplace Features: Wood Burning
  • Heating: Yes
  • Heating Central: Yes
  • Fireplace Wood Burning: True
  • Cooling Central Cooling: True
  • Basement Crawl Space: True
  • Basement Unfinished: True
  • General Property Description Number of Bedrooms: 2
  • General Property Description Number of Rooms: 7
  • General Property Description Fireplace: Yes
  • General Property Description Number of Fireplace: 1.0
  • General Property Description Basement: No
  • General Property Description Bonus Room: Yes
  • General Property Description Extra Storage: Yes
  • Heat Central: True
  • Heat - Heat Pump: True
  • Dining Area Eat-in Kitchen: True
  • Dining Area Formal Dining Area: True
  • Dining Area KitchenDining Rm Co: True
  • Appliances Dishwasher: True
  • Appliances Dryer: True
  • Appliances Microwave: True
  • Appliances Range: True
  • Appliances Refrigerator: True
  • Appliances Self Cleaning Oven: True
  • Appliances Tankless Water Heatter: True
  • Appliances Washer: True
  • Other Rooms 2nd Rec Room: True
  • Other Rooms Extra Storage: True
  • Other Rooms Great Room: True
  • Other Rooms Laundry Utility: True
  • Other Rooms Mstr Bdrm Main Level: True
  • Misc Features Cathedral Ceiling: True
  • Misc Features Walk-in Closets: True
  • Misc Features WasherDryer Connect: True
Room Information
Room
  • Rooms Total: 7
Rental
Rent Information
  • Contract Info Occupancy: Permanent Residence
  • General Property Description Restrictions: Yes
  • Tenant Expenses Cooling: Central Cooling
  • Tenant Expenses Heating: Central,Heat Pump,Propane

Property History for 309 Anne Road

DateEvent & SourcePriceAppreciation
Nov 18, 2025

Closed (Public Record)

Public Record #1920456974

$645,000

+78.4% / yr

Nov 17, 2025

Closed

KAARMLS #1316114

$645,000—
Oct 28, 2025

Contract - Not Showing

KAARMLS #1316114

—
Sep 24, 2025

Listed (Active)

KAARMLS #1316114

$659,000—
Sep 20, 2025

Active - Not Showing

KAARMLS #1316114

—
Sep 20, 2025

Listed (Active)

KAARMLS #1316114

$659,000—
Jan 26, 2022

Closed (Public Record)

Public Record #1483645554

$71,000—
DateEvent & SourcePrice
11/18/2025

Closed (Public Record)

Public Record #1920456974

$645,000

+78.4% / yr

11/17/2025

Closed

KAARMLS #1316114

$645,000
10/28/2025

Contract - Not Showing

KAARMLS #1316114

—
09/24/2025

Listed (Active)

KAARMLS #1316114

$659,000
09/20/2025

Active - Not Showing

KAARMLS #1316114

—
09/20/2025

Listed (Active)

KAARMLS #1316114

$659,000
01/26/2022

Closed (Public Record)

Public Record #1483645554

$71,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 309 Anne Road

Taxable ValueLand$12,500Additions$91,050Total$103,550
Tax Record2024$1,175 ($98 / month)
Home Facts
Beds1Total Finished SqFt2,287 SqFtAbove Grade Finished SqFt2,287 SqFtStories1Lot Size47,916 SqFtStyleSingle Family ResidenceYear Built2023CountyCUMBERLANDAPN017P C 02600

Schools near 309 Anne Road

This home is within Cumberland County School District.
Rating
School
Type
Grades
Distance
Pleasant Hill Elementary School
Public - PK to 8
Cumberland County High School
Public - 9 to 12
The Phoenix School
Public - 9 to 12
Rating
School
Distance
Pleasant Hill Elementary School
PublicPK to 8

Cumberland County High School
Public9 to 12

The Phoenix School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Mountaineer Realty LLC, Scott Allen

The information is being provided by MTRMLS, Inc. Properties marked with the MTRMLS logo are provided courtesy of the RealTracs Internet Data Exchange Program. Information is believed to be accurate but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Copyright 2026 MTRMLS, Inc. All Rights Reserved. Last updated: 11/18/2025 02:11 PM