Cumberland Place

Cumberland Place at a glance

Cumberland Place is an established single-family subdivision in Gallatin, in the Lock 4 Road corridor on the north side of Old Hickory Lake in Sumner County. It is a modest, steadily built-out neighborhood: development began in 2007 and continued in phases through 2020, so the homes you'll tour here span more than a decade of construction, ranging from about 1,375 to 2,773 square feet. The streets read like a tour of the national parks — Smoky Mountains Drive, Bryce Canyon Way, Capitol Reef Drive, and Mesa Verde Place — and the community is served by amenities including a swimming pool, parks and playgrounds, clubhouses available for private events, and HOA-maintained common areas. One useful clarification up front: Cumberland Place is a separate plat from Cumberland Place North, which also sits off Lock 4 Road, so confirm which subdivision a given listing is actually in.

The honest version of the lake relationship is simple: Cumberland Place is near Old Hickory Lake, not on it. No lot in the neighborhood is waterfront, and there are no lake-view, deeded-dock, or community-marina claims to make here. What the location does offer is proximity — the public Lock 4 boat ramp is roughly a half mile away on Lock 4 Road — so getting a boat on the water is convenient even though the access is public rather than private to the community. Homes here tend to draw buyers looking for an established, amenity-equipped neighborhood close to the lake and to Gallatin, including first-time buyers and those who want suburban living a short drive from the water rather than a private slip off their own backyard.

Which lots actually reach the water

None of them — and being precise about that is the point. Cumberland Place is a near-lake community, not a waterfront one. There are no private docks attached to any lot, no deeded community dock or reserved slips, and no community-exclusive marina. If a listing or a passing description leaves the impression that you can walk out your back door to a boat, that impression is wrong for this neighborhood. What you get instead is location: easy, everyday proximity to Old Hickory Lake through public access points nearby.

The closest of those is the Lock 4 boat ramp on Lock 4 Road — a concrete public launch about 24 feet wide, roughly a half mile from the community, open to the general public rather than reserved for Cumberland Place residents. Gallatin Marina (727 Marina Private Rd) also operates in the broader Lock 4 area, but it serves independent boat owners; there is no evidence of a Cumberland Place HOA partnership or resident-reserved slips there. So the practical setup is straightforward: you launch and store like any member of the public, and the value of the location is how close you are to the water, not a private right to it.

It's also worth knowing the broader Old Hickory Lake reality for anyone weighing this neighborhood against a true waterfront one elsewhere on the lake. Old Hickory is a U.S. Army Corps of Engineers reservoir, and private docks on it are permitted per parcel — a dock permit attaches to a specific waterfront lot and doesn't automatically transfer or extend to homes that aren't on the shoreline. Since Cumberland Place has no waterfront lots, that's moot inside this community; we flag it only so that if you're cross-shopping a genuine dock home elsewhere, you know to verify dock eligibility and permit transfer lot by lot. For Cumberland Place specifically, plan on the public Lock 4 ramp as your water access.

The market here

Cumberland Place trades as an established resale neighborhood. Historically, sales have landed in roughly the $340,000 to $490,000 range, with a median historical sale price near $419,500 and an average historical price of about $219 per square foot. With homes spanning 1,375 to 2,773 square feet and built across the 2007–2020 window, that price-per-foot figure is a useful anchor, but it's only a starting point — a 2007 home and a 2019 home in the same subdivision can sit far apart on condition, finishes, and updates.

Inside the neighborhood, what tends to move value is the usual established-resale mix: square footage and floor plan, lot, and the condition and updates of the specific home, rather than any water frontage — because there isn't any here. HOA structure is also part of the picture: dues at Cumberland Place vary by tier, reportedly anywhere from $25 to $450 per month depending on the section and what's covered, so it's worth confirming the exact dues and inclusions for a given address. We don't forecast where prices are headed; what we will do is pull the live MLS figures for you — current active listings, recent closed sales, days on market, and the specific HOA dues tied to a home — so you're comparing real, up-to-date numbers rather than a historical average.

Life on the lake here

Day to day, Cumberland Place is built around its own amenities and its closeness to the water. Inside the community, residents have a swimming pool, parks and playgrounds, and clubhouses that can be reserved for private events, all supported by HOA-maintained common areas. The national-park street names — Smoky Mountains, Bryce Canyon, Capitol Reef, Mesa Verde — give the neighborhood its own identity within the Lock 4 corridor.

For lake days, the draw is convenience. The public Lock 4 boat ramp is a short drive on Lock 4 Road, putting Old Hickory Lake within easy reach for boating, fishing, and paddling without owning shoreline. Gallatin Marina operates in the same Lock 4 area for boat owners who want marina services independently of the neighborhood. Because the lake access is public rather than private to Cumberland Place, the lifestyle here is best described as near-lake suburban living: a pool and parks at home, and a quick trip to a public ramp when you want to be on the water.

Location, access & schools

Cumberland Place sits off Lock 4 Road in Gallatin (37066), which keeps it close to both Old Hickory Lake and the rest of Gallatin's shopping, dining, and services. The nearest water access is the public Lock 4 boat ramp, roughly a half mile away on Lock 4 Road; Gallatin Marina (727 Marina Private Rd) is also in the Lock 4 area for independent boat owners. When you're evaluating a specific home, remember that Cumberland Place and Cumberland Place North are separate plats off the same road, so confirm which one a listing belongs to.

Cumberland Place is served by Sumner County Schools. The zoned schools are Guild Elementary School, Rucker Stewart Middle School, and Gallatin High School. We name the schools rather than rate them — attendance zones are set by the district and tied to a specific address, and they can change over time, so confirm the current assignment for any home directly with Sumner County Schools (sumnerschools.org) before you buy. When you share an address with us, we'll pull the assigned schools along with the GreatSchools.org and Tennessee Department of Education report cards so you can judge the fit for yourself.

Working with The Will Johnson Team

We represent buyers in Cumberland Place at little or no cost to you, and because we're on Old Hickory Lake and across Sumner County constantly, we can help you find the right home and navigate the buy with clear eyes. That means being straight about what this neighborhood is — an established, amenity-equipped community near the lake with public ramp access rather than private docks — and pulling the live MLS numbers, the exact HOA tier and dues, and the current school zoning for any address you're considering. Whether you're moving from out of state or already know Gallatin, we'll help you compare Cumberland Place against true waterfront and other near-lake options so you buy with full information. Call The Will Johnson Team at 615-265-1000.

Does Cumberland Place have lake access or private docks?

No lot in Cumberland Place is waterfront, and the community has no private docks, deeded slips, or community marina. The nearest water access is the public Lock 4 boat ramp on Lock 4 Road — about a half mile away and open to the general public. It's a near-lake neighborhood, not a waterfront or dock community.

How much do homes in Cumberland Place cost?

Historically, resale homes in Cumberland Place have sold in roughly the $340,000–$490,000 range, with a median near $419,500 and about $219 per square foot, on floor plans from about 1,375 to 2,773 square feet built between 2007 and 2020. Those are historical figures — we'll pull live MLS pricing, recent closed sales, and the exact HOA dues for any current listing so you're working from today's numbers.

Is Cumberland Place the same as Cumberland Place North?

No. They're separate plats, both located off Lock 4 Road in Gallatin. Because the names and location are so similar, it's worth confirming which subdivision a specific listing actually sits in before you compare homes or HOA terms.