38574 Homes under $700,000

38574 Homes under $700,000

Welcome to the enchanting zip code 38574, nestled in the charming town of Monterey, Tennessee. This picturesque region is a hidden gem, offering a perfect blend of serene rural living and modern conveniences. With its lush landscapes and friendly community, Monterey is an ideal destination for those seeking a tranquil lifestyle without sacrificing access to amenities.

In the heart of this vibrant area, you'll find a diverse selection of homes, with many options available for under $700,000. Whether you're a first-time homebuyer, a growing family, or looking to retire in comfort, the real estate market in Monterey has something for everyone. From cozy cottages with rustic charm to spacious family homes equipped with modern amenities, the properties here cater to various tastes and budgets.

Living in 38574 means embracing a lifestyle that celebrates nature and community. The area is surrounded by stunning views of the Cumberland Mountains, offering ample opportunities for outdoor activities such as hiking, fishing, and boating at nearby Dale Hollow Lake. Additionally, the town boasts a warm and welcoming atmosphere, where neighbors become friends and local events foster a sense of belonging.

Conveniently located just off Interstate 40, Monterey provides easy access to larger cities like Cookeville and Crossville, making it a perfect spot for commuters. With its affordable housing options and rich quality of life, zip code 38574 is not just a place to live—it's a place to thrive. Come explore the charm of Monterey, where your dream home awaits!

Newest 38574 Homes under $700,000

2497 Junior Camp Rd, Monterey
$250,000
3 Beds ⋅ 2 Baths ⋅ 3621651 MLS ⋅ ACTIVE Status ⋅ 0.72 Acres ⋅ 38574 Zip Code
Newly Remodeled 3BR/2BA Home on 0.72 Acres | Granite Countertops | Move-In Ready | $250,000 Beautifully remodeled from top to bottom! This move-in-ready 3-bedroom, 2-bath home offers 1,352 sq ft of updated living space on 0.72 acres in a peaceful country setting conveniently located between Crossville and Monterey, TN. Step inside to discover a beautifully updated interior featuring LVP flooring throughout the main living areas, new carpet in the bedrooms, and tile flooring in both bathrooms. The spacious kitchen features granite countertops, new stainless steel appliances, and a large center island, providing plenty of space for meal preparation, casual dining, and entertaining. The primary suite offers a private ensuite bathroom with a tiled walk-in shower and closet space. Two additional bedrooms, a second full bathroom, and a generously sized laundry room provide comfortable and functional living space. Extensive renovations include a newer roof, new windows, updated flooring, kitchen, bathrooms, and more! Gas heat adds comfort during the cooler months. Enjoy the peaceful surroundings from the covered front porch or relax and entertain on the large back deck overlooking the property. A detached storage building provides additional space for tools, equipment, and outdoor essentials. Offered at $250,000, this beautifully renovated home combines modern updates, comfortable living, and a desirable country setting with convenient access to Crossville, Monterey, and Interstate 40. Don't miss this opportunity to own a move-in-ready home with extensive updates and room to enjoy the outdoors! Schedule your private showing today! All information deemed reliable but not guaranteed. Buyer to verify.

2497 Junior Camp Rd, Monterey

240 Memory Ln, Monterey
$549,000
4 Beds ⋅ 2 Baths ⋅ 3621484 MLS ⋅ ACTIVE Status ⋅ 15 Acres ⋅ 38574 Zip Code
Escape to your own wooded retreat with this two-story, 4-bed, 2-bath log-cabin themed home set on 15 serene acres. With covered porches on both front and back, wood finishes throughout, and multiple wood-burning stoves, this property delivers the charm and comfort of true cabin living - paired with modern upgrades and off-grid capability. Wood floors flow across the first floor, where the kitchen opens to the living room beneath beautiful exposed wood beams. The kitchen features wood cabinets, wood-block countertops, an island with storage, and all appliances convey, including refrigerator, stove, freezer and an additional small refrigerator. Both the dining room and living room offer wood-burning stoves - one set against a tile wall, the other against a stone - creating cozy spaces for gathering. Two bedrooms and a full bath complete the main level. Upstairs, the oversized primary bedroom offers generous space and a large master bath with a soaking tub. A fourth bedroom, wood-accented walls, and a comfortable sitting area add to the inviting feel of the second floor. Enjoy peaceful views of the woods from the back covered porch. Ceiling fans are installed in most rooms and outdoor spaces for year-round comfort. There is a 14x20 fenced front yard with artificial grass for your fur babies and extra storage throughout the home. This property is equipped with two HVAC systems with the downstairs only being three years old. It has solar panels with a battery pack capable of powering the home for up to five days. It has rain water collection areas, a new driveway stretching deep into the acreage and is in a greenbelt designation with no restrictions. The septic was pumped just three months ago. A rare amount of functional space comes with the property that includes a 20x12 carport, 40x24 garage, 14x10 greenhouse and a 30x20 storage shed. The land has many building sites throughout. Come make this beautiful home & property yours today! (Buyers to verify all measurements)

240 Memory Ln, Monterey

240 Memory Ln, Monterey
$549,000
4 Beds ⋅ 2 Baths ⋅ 3620559 MLS ⋅ ACTIVE Status ⋅ 15 Acres ⋅ 38574 Zip Code
Escape to your own wooded retreat with this two-story, 4-bed, 2-bath log-cabin themed home set on 15 serene acres. With covered porches on both front and back, wood finishes throughout, and multiple wood-burning stoves, this property delivers the charm and comfort of true cabin living - paired with modern upgrades and off-grid capability. Wood floors flow across the first floor, where the kitchen opens to the living room beneath beautiful exposed wood beams. The kitchen features wood cabinets, wood-block countertops, an island with storage, and all appliances convey, including refrigerator, stove, freezer and an additional small refrigerator. Both the dining room and living room offer wood-burning stoves - one set against a tile wall, the other against a stone - creating cozy spaces for gathering. Two bedrooms and a full bath complete the main level. Upstairs, the oversized primary bedroom offers generous space and a large master bath with a soaking tub. A fourth bedroom, wood-accented walls, and a comfortable sitting area add to the inviting feel of the second floor. Enjoy peaceful views of the woods from the back covered porch. Ceiling fans are installed in most rooms and outdoor spaces for year-round comfort. There is a 14x20 fenced front yard with artificial grass for your fur babies and extra storage throughout the home. This property is equipped with two HVAC systems with the downstairs only being three years old. It has solar panels with a battery pack capable of powering the home for up to five days. It has rain water collection areas, a new driveway stretching deep into the acreage and is in a greenbelt designation with no restrictions. The septic was pumped just three months ago. A rare amount of functional space comes with the property that includes a 20x12 carport, 40x24 garage, 14x10 greenhouse and a 30x20 storage shed. The land has many building sites throughout. Come make this beautiful home and property yours today!

240 Memory Ln, Monterey

29 Mountain Ash Dr, Monterey
$349,000
3 Beds ⋅ 2 Baths ⋅ 3619577 MLS ⋅ ACTIVE Status ⋅ 0.82 Acres ⋅ 38574 Zip Code
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 Dr, Monterey

14765 Hwy 70 N, Monterey
$274,999
3 Beds ⋅ 2 Baths ⋅ 3603979 MLS ⋅ ACTIVE Status ⋅ 3.2 Acres ⋅ 38574 Zip Code
PRICE IMPROVEMENT! Now Offered at $274,999 Country Charm, Privacy & Homestead Potential on 3.2± Acres! Discover the possibilities with this character-filled 1947 home tucked away on approximately 3.2 level, wooded acres in a convenient location between Crossville and Cookeville. Offering approximately 1,800 square feet of living space, this property combines vintage charm with modern updates and endless potential. The home features 3 bedrooms, 1.5 bathrooms, a versatile bonus room, and a bright, inviting living room filled with natural light. The kitchen showcases beautiful tongue-and-groove ceilings that add warmth and rustic appeal, while the dining room fireplace serves as a charming reminder of the home's history. Double subflooring and numerous updates provide a solid foundation for your finishing touches. Outside, the property is well suited for those seeking a hobby farm, homestead, or peaceful country retreat. Improvements include a chicken coop, established garden area, a metal building with excellent potential for a future barndominium, an additional storage/workshop building, and a historic stone chimney that reflects the property's rich heritage. Mature trees provide shade and privacy, creating a serene setting to enjoy nature. Whether you're searching for a primary residence, weekend getaway, investment opportunity, or a property with room to expand, this one offers exceptional potential in a desirable Upper Cumberland location with easy access to shopping, dining, and Interstate 40. Buyer to verify all information and measurements before making an informed offer.

14765 Hwy 70 N, Monterey

408 E Williams Ave, Monterey
$179,929
3 Beds ⋅ 1 Baths ⋅ 3601975 MLS ⋅ ACTIVE Status ⋅ 0.24 Acres ⋅ 38574 Zip Code
Tucked away at the end of a dead-end street within Monterey city limits, this charming home offers the character of an older home paired with thoughtful updates and comfortable living spaces. Hardwood floors run throughout the home, adding warmth and character, while large windows flow from room to room and bring in an abundance of natural light. The remodeled kitchen brings a fresh, modern touch with butcher block countertops, painted cabinetry, and stainless steel appliances approximately one year old. The functional floorplan offers distinct living spaces that can flex to fit the way you live and entertain. The centrally located full bath is exceptionally spacious, and all three bedrooms offer plenty of room along with great closet space. Outside, the newly constructed covered front porch and open side deck extend your living space and create inviting spots to relax, entertain, or enjoy the outdoors. The large backyard offers plenty of room to garden, play, gather, or simply enjoy the extra space. A detached building in great condition adds even more versatility and could serve as a workshop, additional storage, or a place to house equipment and tools. A gas line runs into the home, although it is not currently connected, allowing the next owner the opportunity to customize it to their needs. The home also previously featured a wood-burning stove. While the stove and related components have been removed, the option remains to add one back if desired. Additional updates include a central heating and cooling system approximately 3-4 years old and a metal roof approximately 6 years old. With its combination of original character, thoughtful updates, flexible living spaces, outdoor areas, and versatile detached building, this Monterey home offers a lot to appreciate.

408 E Williams Ave, Monterey

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.

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