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532 Cummings Ln, Cottontown, TN, 37048

3beds
3baths
2,109sqft
$649,900
$308price/sqft
$4,441/moest. monthly cost
$177,640/yrincome needed

About This Home

Cabin life on 5 beautiful private acres in Cottontown, smack dab in the middle of the Liberty Creek School District (ALL schools: elementary, middle & high school)! This warm and inviting 3-bedroom, 3-bath home offers the privacy, space, and character buyers are looking for — without giving up everyday convenience. Tucked away on a peaceful setting, this property gives you room to roam, relax, garden, ride, entertain, or simply enjoy the quiet Tennessee countryside. Inside, you’ll find a comfortable cabin feel with plenty of living space, rustic charm, and a flexible layout. The home features approximately 2,109 sq ft, city water, septic, an on-demand propane water heater, and kitchen appliances that remains. Major updates include a new roof in January 2025, fresh exterior stain in summer 2025, and a new mini split in April 2026. There is an additional room upstairs off the rec room that can be used as an office or workout/hobby room (14'x12'). The detached garage includes heat and air, making it ideal for a workshop, hobby space, home gym, storage, or additional hangout area. Outside, the 5-acre tract offers a great mix of usability and natural privacy. There were previously carved-out trails on the property, offering potential for walking paths, ATV/4x4 use, or recreational enjoyment with a little clearing and a fire pit in the front yard. Plenty of storage in the area above the garage, in the attic off both upstairs bedrooms, and under the house. Fiber internet, city water, trash pickup, propane service, and a peaceful country setting make this one a rare find. If you’ve been looking for acreage, privacy, cabin charm, and practical updates in Cottontown, this one deserves a look.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

10/10
Liberty Creek ElementaryGrades K-52.8 mi
8/10
7/10
Liberty Creek High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1977

Materials

  • Construction materials: Log,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Dishwasher,Refrigerator

Basement

  • Basement: None

Bedroom1

  • Area: 272
  • Dimensions: 17x16

Bedroom2

  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Area: 180
  • Dimensions: 10x18

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Dining Room

  • Area: 130
  • Dimensions: 13x10

Features

  • Flooring: Carpet,Wood,Tile
  • Finished area above ground: 2,109

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,109
  • Total interior livable area: 2,109 sqft

Kitchen

  • Area: 182
  • Dimensions: 14x13

Living Room

  • Area: 294
  • Dimensions: 21x14

Other

  • Area: 168
  • Dimensions: 14x12

Recreation Room

  • Area: 221
  • Dimensions: 17x13

Property

Details

  • Parcel number: 102 01601 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2

Lot

  • Lot size: 5.02 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Tennessee Counties

Flood
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 $3,286$39,432
Home Insurance $231$2,772
Property Taxes $749$8,988
Electricity $175$2,103
Total$4,441$53,292

Income You'd Need if You Spent...

35% on housing$152,262/yr
40% on housing$133,230/yr
45% on housing$118,426/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 37048$247
Sumner County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 37048$234
Sumner County$228

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)

Price History

DateEventPrice
2026-07-17Listed for sale$649,900
2014-07-16Sold$239,000
2014-05-15Price change$259,900
2011-01-26Listed for sale$239,500
2010-11-22Listing removed$239,500
2010-08-15Price change$239,500
2010-05-27Price change$249,500
2009-12-23Listed for sale$259,900
2009-11-08Listing removed$259,900
2009-08-09Price change$259,900
2009-05-16Listed for sale$264,900
2005-05-25Sold$219,100

For Sale by Agent

AgentDavid Martin
BrokerageBenchmark Realty, LLC

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