# 78 Emerald Place, Monterey, TN 38574

> **TL;DR:** 4bd/3ba single family, $678,900 ($141/sqft), built 2004, 4,830 sqft.
> Fireplace, Waterfront, View, Hardwood. Est. $3,806/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $678,900 |
| Price/sqft | $141 |
| Bedrooms | 4 |
| Bathrooms | 3 full, 1 half |
| Square Feet | 4,830 |
| Year Built | 2004 |
| Lot Size | 34,848 sqft (0.80 acres) |
| Stories | 2 |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 0 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Water, Lake
- **Hardwood Floors** - Hardwood flooring listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,433 |
| Estimated Insurance | $198 |
| HOA | $175 |
| **Total** | **$3,806** |

## Nearby Schools

- **Elementary:** Pleasant Hill Elementary School
- **Middle:** Pleasant Hill Elementary School
- **High:** Cumberland County High School

## Key Amenities

- Fireplace
- Waterfront
- View
- Hardwood
- A/C

## Property Highlights

- Built in 2004
- 0.80 acre lot
- 2 stories
- 2 parking spaces
- Fireplace
- Waterfront

## Description

### Agent Description
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.

## Location

- **Address:** 78 Emerald Place, Monterey, TN 38574
- **County:** Cumberland
- **Neighborhood:** Cumberland Cove
- **Coordinates:** 36.109354, -85.1355601
- **Google Maps:** https://www.google.com/maps?q=36.109354,-85.1355601

## Virtual Tour & Media

- **Video Tour:** www.zillow.com/view-imx/787a4f55-5567-403f-97fe-0c212db341c3?wl=true&setAttribution=mls&initialViewType=pano

## Listing Agent

- **Name:** Dino Cates
- **Brokerage:** Exit Rocky Top Realty-LVS
- **Phone:** 9315106233
- **Broker Phone:** 9318237717
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/78-Emerald-Pl_Monterey_TN_38574_M80695-26777?f=listhub&s=UCARTN&m=246949&c=propsimple)

## Photos

![78 Emerald Place - Photo 1](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f3730321882r.jpg)

![78 Emerald Place - Photo 2](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f221786879r.jpg)

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![78 Emerald Place - Photo 37](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f2225674933r.jpg)

![78 Emerald Place - Photo 38](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f12274614r.jpg)

![78 Emerald Place - Photo 39](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f2501975591r.jpg)

![78 Emerald Place - Photo 40](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f815514144r.jpg)

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![78 Emerald Place - Photo 47](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f3046190497r.jpg)

![78 Emerald Place - Photo 48](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f2892740714r.jpg)

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![78 Emerald Place - Photo 55](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f2398748615r.jpg)

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![78 Emerald Place - Photo 57](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f1851967626r.jpg)

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![78 Emerald Place - Photo 60](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f3115469407r.jpg)

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![78 Emerald Place - Photo 62](http://lh.rdcpix.com/9b40cccbf46b079f1e3834090a88c2e9l-f1419948134r.jpg)

---

**MLS#:** 246949 | **Updated:** 2026-09-14
**Source:** listhub

*Copyright © 2026 Upper Cumberland Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/78-emerald-place-monterey-tn-38574-n246949)

---

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