Crossville, TN Land for Sale: 1 Acres with Owner Financing Available
If you are shopping for an affordable residential lot in Cumberland County, the big questions are practical: Can the parcel support your plan, are utilities truly available, who maintains the road, and what do the deed restrictions allow?
This listing is LC26157, a 1-acre land parcel at 111 Cedarbrush Ln in Crossville, Tennessee 38558. The parcel number is 089e-f-006.00, the cash price is $7,500, and owner financing is listed at $12,500.
The listing states Single Family Residence - Deed Restricted zoning, dirt-road access, and public water and public sewer. Those are important starting points, not final approvals; buyers should verify zoning, restrictions, access, utilities, taxes, and any permit path through official records before closing.
Property snapshot for LC26157
Here are the core listing facts and what each one means for a buyer evaluating this Crossville parcel.
Gives you a starting point for mapping, visiting the area, and confirming whether the parcel sits under city or county rules.
County records are important for assessor data, tax status, parcel identity, and recorded property history.
Use this identifier when checking GIS, assessor, tax, and deed records.
This suggests subdivision or replat context, so recorded restrictions and plat details should be reviewed.
The label points toward residential intent, but buyers should confirm recorded restrictions, governing authority, setbacks, and permits.
Access is noted, but maintenance responsibility, drainage, and all-weather usability should be verified.
This can be a major value point if confirmed; ask whether service is at the lot line and what connection fees apply.
The holding-cost signal is low, but the current tax amount and any assessments should be confirmed with county records.
Crossville and Cumberland County context
Crossville is the county seat of Cumberland County, and buyers have several local offices that can help verify a land purchase before closing. For this parcel, the most relevant local context is not tourism or general lifestyle; it is zoning, utility mapping, road status, recorded restrictions, and tax records.
The City of Crossville maintains planning, codes, zoning, GIS, public works, and utility-related resources. That matters because the listing states public water and public sewer, and city mapping or utility staff may help clarify whether service is actually available to this specific lot.
The supplied listing data places the parcel at 111 Cedarbrush Ln with coordinates 35.981599, -84.915228. Those coordinates are useful for map-based review, but they do not replace a survey, recorded plat, official parcel map, or on-site inspection.
Potential buyer fit and realistic use cases
This parcel appears best suited for a buyer looking at a small residential lot in Crossville, especially someone willing to do the local verification needed before building. The listed zoning label supports a single-family-residence direction, but the deed-restricted note is important and should be treated as a serious due-diligence item.
Because the supplied data does not include a survey, permit approval, utility letter, road-maintenance agreement, or flood determination, any use should remain conditional until those items are checked.
- Future single-family homesite candidate, subject to deed restrictions, zoning authority, setbacks, permits, utility availability, and site conditions.
- Affordable land hold in Cumberland County, subject to confirming taxes, title, access, and any subdivision obligations.
- Owner-financed land purchase for a buyer who prefers payment terms over a cash-only purchase, subject to reviewing the contract for deed and total financing cost.
- Not a parcel to assume for RV use, camping, mobile homes, short-term placement, or alternative housing without checking recorded restrictions and local rules first.
Due diligence checklist before buying
Use the listing facts as your starting point, then confirm the items that affect value, usability, and closing risk.
Match the parcel number to official records
Look up parcel 089e-f-006.00 and confirm the address, legal description, ownership, assessed value, tax status, and map location align with the listing.
Review the deed restrictions and plat history
The legal description references St George Replat, and the zoning label says deed restricted. Ask for recorded covenants, restrictions, plat pages, and any subdivision rules before assuming what can be built or placed on the lot.
Confirm the governing zoning and permit path
Verify whether the parcel is inside Crossville city limits or governed primarily by county rules, then ask what permits, setbacks, site plan rules, and building-code requirements would apply to your intended use.
Get written utility confirmation
The listing states public water and public sewer. Confirm whether both are available at the lot line, whether extensions are needed, and what tap, connection, meter, grinder pump, or impact fees may apply.
Verify dirt-road access and maintenance
Confirm whether Cedarbrush Ln is public or private, who maintains it, whether there are recorded easements, and whether the road is usable in wet weather by residents, emergency vehicles, and utility providers.
Check flood, drainage, and site conditions
Review flood mapping at the parcel location and inspect the site for drainage, slope, wetlands, stormwater issues, or other constraints that could affect development cost or feasibility.
Confirm taxes and any assessments
The listing shows $24.00 in taxes. Verify the current bill, due dates, exemptions, reassessment risk, and any special assessments or unpaid amounts.
Read all owner-finance documents before signing
If using financing, confirm the down payment, APR, payment schedule, processing fee, payoff terms, default rules, transfer timing, and when the deed is delivered.
The City of Crossville zoning information is the best official starting point for understanding local zoning context, building-code questions, and the role deed restrictions may play. Pair it with county assessor records and utility confirmation before making a final decision.
Owner financing details to understand
The listing provides two price paths: a $7,500 cash price and a $12,500 owner-finance price. That difference matters because financed land often carries a higher purchase price in exchange for payment flexibility.
The listed owner-finance structure includes $1,000 down, 10% APR, and a $249 processing and origination fee that is separate from the financed amount and monthly payments. The listed financed amount is $11,500.
Payment options in the listing are $244.34 per month for 60 months, $190.91 per month for 84 months, or $151.97 per month for 120 months. The listing also states a contract-for-deed structure, with deed transfer after final payment.
- What is the total amount paid over the full term compared with the $7,500 cash price?
- Is there any prepayment penalty or can the balance be paid off early?
- What happens if a payment is late or missed under the contract for deed?
- When exactly is the deed transferred, and what documentation confirms that timing?
- Are taxes, recording fees, insurance, or any other costs separate from the payment schedule?
How to compare this Crossville lot with other land options
This is a small residential-style parcel, not a large recreational tract. Its strongest listing features are the 1-acre size, low cash price, identified parcel number, deed-restricted residential label, and listed public water and sewer.
When comparing it with other Cumberland County land, focus less on acreage alone and more on verified usability: recorded restrictions, utility availability, road maintenance, build permit path, flood and drainage conditions, and total acquisition cost if financing is used.
Questions buyers may ask about this property and area
Bottom line for buyers
This Crossville parcel is worth a close look if you want a low-priced, 1-acre residential land option with a specific parcel number, stated public utilities, and owner-financing availability. The $7,500 cash price is straightforward, while the financed option may help buyers who prefer payments.
The main caution is that the most valuable claims still need verification. Public water and sewer, dirt-road access, deed restrictions, zoning authority, and build potential can all affect what the property is actually worth to you.
If the parcel checks out through official records and matches your intended use, it could be a practical small-lot purchase in Cumberland County. If the restrictions, access, or utility details do not line up, it is better to know that before you commit funds.
Ready to review the full listing?
See current availability, seller details, gallery images, and purchase options for LC26157.
Helpful next step
Use the listing together with official city and county records. Verify zoning, restrictions, utilities, access, taxes, and financing terms before closing.
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