MONROE COUNTY, TN | 39.94 acres | Gorgeous Mountaintop Lot | Power, Water, & Septic For Sale

Tennessee Land for Sale near Tellico Plains

Owner Financing Available! (see details below)

Build a home on these 40 mountaintop acres and you’ll feel like you own your version of Smoky Mountain National Park, but with all utilities available you won’t sacrifice modern conveniences.

• Beautiful Mountain Valley Views
• Power, Water, & Septic Available
• Very Light Restrictions
• Surveyed
• Only 22 mins from Boat Ramp
• Abundant Wildlife
• Priced about 22% Below Market

Escape to your own secluded paradise with this stunning 39.94-acre mountaintop property less than 10 minutes from Tellico Plains, one of Tennessee’s finest small towns. This pristine wooded lot features gentle slopes, breathtaking mountain valley views, and abundant wildlife, making it the ideal canvas for your residential or recreational dream. Enjoy the peace and privacy provided by Highlands Bluff subdivision, complete with HOA-maintained power and water lines available along Highlands Bluff road, to which this property is afforded legal access via another private dirt road. With no zoning restrictions, light CC&Rs, and options for conventional or modern septic systems, building your getaway home is both flexible and affordable. The property has been fully surveyed, boasts low taxes, and offers easy access to nearby natural wonders like Tellico River Gorge and Cherokee National Forest trails. The Ballplay boat ramp to the Little Tennessee River is just 22 minutes north, while the charming meadows of Tellico Plains is a quick 10 minute drive south. Whether you’re hiking the trails or gazing across the valley as you sip your morning coffee, this picturesque property is your gateway to mountain living at its finest. Get it today at an unbeatable Acretown price!

Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you. We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!

Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!

After opening this map, you may see even more information about the area by clicking on Map Legend, then Overlays.

• LOT 5
• ADDRESS (street # estimated – use GPS for navigation): 285 Highlands Bluff, Tellico Plains, TN 37385
• SIZE: 39.94 acres
• GPS COORDINATES: 35.410884, -84.256655
• PARCEL # (parent): 117-023.02
• ABRIDGED LEGAL DESCRIPTION: Pb I Pg 33 Lot 5
• FULL LEGAL DESCRIPTION (both tracts): view here
• PLAT MAP/SURVEY: view here (get County’s boundary/KML file here – opens in Google Earth)
• TITLE: General Warranty deed (clean – no back taxes, no liens)
• MINERAL RIGHTS: any mineral rights we own will convey to buyer (we have no knowledge of severance of mineral rights by a previous owner)
• DIMENSIONS (approximate): irregular
• FLOODPLAIN: none
• WETLANDS: approximately 0.18 acres at the bottom (east side) of the property
• ELEVATION: 1246 feet
• TERRAIN: sloped
• CONDITION: undeveloped, wooded
• ACCESS: legal access to Highlands Bluff road via private road easement
• POWER: HOA power lines along Highlands Bluff road (HOA has indicated that capacity can likely accomodate one home per lot, but owner will be required to pay for the line extensions to the home)
• WATER: HOA water lines along Highlands Bluff road (HOA has indicated that capacity can likely accomodate one home per lot, but owner will be required to pay for the line extensions to the home; initial tap fee of $300 + $45 monthly service fee)
• WASTEWATER: HOA sewer system is available for a fee of $240 per year (leach field)
• TAXES: estimated $567.27 (based on $909.00 total for the 64-acre parent tract billed in 2024, or $14.20 per acre)
• HOA: The Highlands
• HOA FEES: none (but HOA expects to start billing HOA fees once a home is built; other homeowners currently pay $1140 per year)
• DEED RESTRICTIONS: The Highlands CC+R’s
  • single family homes and condos
    • 1000 sf minimum home size
  • no farm animals (pets OK)
  • no hunting or firearm discharges
  • get full document here
• ZONING: none
• SCHOOL DISTRICTS: Tellico Plains (Elementary) – Tellico Plains (Middle School) – Tellico Plains (High School)
• NEAREST CITIES: Tellico Plains < Madisonville < Knoxville
• NEAREST AIRPORTS: Monroe County Aiport (34 mins), Knoxville McGhee Tyson International (1 hr 6 mins)
• COUNTY GOVERNMENT:
  • Assessor (423) 442-3637
  • Treasurer (423) 442-2920
  • Recorder (423) 442-2440
  • Clerk (423) 442-2220
  • County GIS

You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.

DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.

• From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
• You can also click “Send to Phone” if you’re viewing this on your computer
• And “Save” to download the directions so they’ll still work if you lose cell service.

If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 35.410884, -84.256655

WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .

1. Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
2. Open Google Earth
3. Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).

Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.

Surrounded by stunning outdoor attractions, this area offers abundant opportunities for recreation and exploration. The Tellico River Gorge is a popular destination for fly fishing, renowned among anglers for its thriving trout population and scenic river views. Nature enthusiasts will appreciate the Indian Boundary Recreation Area, known for its serene lake perfect for kayaking, canoeing, and family-friendly picnic spots. For hikers, the Conasauga Falls Trail provides a rewarding trek through lush forests leading to a picturesque waterfall. Essential supplies and groceries can be easily found in nearby Tellico Plains, while broader shopping needs—including Walmart—are met in Madisonville. For urban amenities, entertainment, and major services, the vibrant city of Knoxville is conveniently accessible.

NEARBY – Tellico River Gorge (15 mins), Laurel Mountain Lake (24 mins), Conasauga Falls Trail (25 mins), Madisonville Lake (27 mins), The Lost Sea Adventure (31 mins),  Indian Boundary Recreation Area (34 mins), South Fork Citico Creek Trailhead (40 mins), Falls Branch Trail (40 mins), and more!

TELLICO PLAINS (10 mins, nearest town & grocery store) 

• RETAIL – Dollar General, Family Dollar, Save A Lot, DG Market, and more.
• RESTAURANTS – Subway, Hardees, Tellicafe, Papa’s Pizza to Go, Iron Works Grill, and more!
• MEDICAL SERVICES? Yes, CVS, Chota Community Health Services, Tellico Drugs Family Wellness Center, and more.
• RECREATIONAL – Tellico River Gorge, Laurel Mountain Lake, Conasauga Falls Trail, Madisonville Lake, The Lost Sea Adventure, Indian Boundary Recreation Area, South Fork Citico Creek Trailhead, Falls Branch Trail, and more!

MADISONVILLE (28 mins, nearest Walmart)

KNOXVILLE (1 hr 16 mins, nearest major city)

OWNER FINANCING: We do offer owner financing under the following terms:

• Owner Financed Price = $198,000
• Down Payment = $40,000
• Monthly Payment = $2202.52
• Term = 10 years (120 months)
• Interest Rate = 10.9%
• No Pre-Payoff Penalty!

We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!

OUTSIDE FINANCING: Your best deal for third-party financing will come from Farm Credit Mid-America, Rural 1st, E-Construction Loans, or FBN Finance and their details are below:

Farm Credit Mid America is one of the best local land lenders in the area for rural properties and they require as little as 10% down up to a 30-year term, with interest rates as low as 7.55%, and no pre-payoff penalties. Feel free to contact them by phone at (423) 745-1683 or visit their nearest office for more information: 812 Congress Pkwy N, Athens, TN 37303.

Rural 1st is America’s leading land lender for rural properties and they require as little as 15% down on a 10 or 15-year fixed land loan, with no PMI, and they prefer a credit score of 720 or better. Please contact Michael Wirth by phone or email at (502) 553-8152 or michael.wirth@rural1st.com. They do serve Tennesee.

E-Construction Loans, Tim Jarvis, timjarvis@sbcglobal.net, (408) 238-4606: Tim is a land lender and offers loans at 10% down, 25-year amortization and a balloon payment in 10 years. Please contact him for all the details. They do serve Tennessee.

FBN Finance is one of the country’s largest land lenders. The property needs to be (1) zoned agricultural or (2) contain harvestable timber. It also needs to be a minimum of 5 acres and require a minimum of $75k financing (after the down payment). Asking price should be $110k or more.

Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.

FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.

WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).

DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.