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21 W Cemetery Rd, Cookeville, TN, 38506

3beds
3baths
2,170sqft
$520,000
$240price/sqft
$3,267/moest. monthly cost
$130,680/yrincome needed

About This Home

This black beauty is a stunner outside and in. Enter from a covered porch with beautiful wood accent posts to an open floor plan with gorgeous fireplace. Walk through to the kitchen that has plenty of storage and space for easy meal prep and beautiful quartz countertops. Three beds and 2.5 baths make is easy for busy mornings and living life. The oversize bonus room upstairs has so much potential. You and your family will love the space and luxury this home has to offer.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
8/10
Cookeville High SchoolGrades PK,9-125.6 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: HardiPlank Type,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Disposal,Refrigerator,Electric Range,Microwave,Electric Water Heater
  • Laundry features: Main Level,Lower Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Features

  • New Floor Covering,New Paint,Ceiling Fan(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: One,Insert,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,170
  • Total interior livable area: 2,170 sqft

Property

Details

  • Parcel number: 005.04

Features

  • Levels: One and One Half
  • Patio & porch: Porch,Covered,Patio
  • Exterior features: Lighting
  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description

Lot

  • Lot size: 0.57 Acres
  • Features: Irregular Lot,Cleared
  • Lot size dimensions: 119.9 x 207.41

Parking

  • Total spaces: 2
  • Parking features: Concrete,Garage Door Opener,Attached,Garage,Main Level
  • Has garage: Yes
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Winter Weather
Hail
Inland Flooding
Ice Storm
Strong Wind

FEMA Declared Disasters Across Tennessee Counties

Flood
Freezing
Severe Ice Storm
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,629$31,548
Home Insurance $254$3,048
Property Taxes $208$2,496
Electricity $176$2,115
Total$3,267$39,204

Income You'd Need if You Spent...

35% on housing$112,011/yr
40% on housing$98,010/yr
45% on housing$87,120/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 38506$182
Putnam County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 38506$196
Putnam County$193

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-10-16Price change$520,000
2025-08-27Price change$525,000
2025-07-22Price change$544,000
2025-03-28Listed for sale$564,000

New Construction

AgentLacey Roberts
BrokerageThe Realty Firm

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