ActiveResidential · sale

109 Cumberland Drive

Belton, TX 76513

$795,000

  • 4 beds
  • 4 baths
  • 3,267 sq ft
  • 0.5 acres
  • Built 2025

Listed by Mahler Group · MLS #607484

109 Cumberland Drive, Belton, TX 76513 — photo 1 View full photo
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A FEW THINGS TO NOTICE

What stands out.

Living spaces

Welcoming deep front porch with double doors leads to an open-concept layout featuring soaring ceilings, dramatic cathedral ceiling in the family room, pine ceilings with beams, stone accents, gorgeous fixtures, LVP flooring throughout, and smart home tech.

Details worth a look

Step out to 881 sq ft of covered porch with stained pine ceilings—ideal for year-round enjoyment.

Year built

Built in 2025.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

STUNNING 4BR/4BA MODERN FARMHOUSE IN TENNESSEE VALLEY ESTATES, BELTON! Discover modern luxury in this 3,267 sq ft gem blending timeless farmhouse charm with contemporary style—perfect for today's family. Welcoming deep front porch with double doors leads to an open-concept layout featuring soaring ceilings, dramatic cathedral ceiling in the family room, pine ceilings with beams, stone accents, gorgeous fixtures, LVP flooring throughout, and smart home tech. The chef’s kitchen dazzles with a 48” gas range (double oven), pot filler, premium stainless appliances, quartz counters, custom cabinets, and oversized butler’s pantry with microwave, 2nd fridge space, and backyard views. Enjoy a dedicated media room with kitchenette, plus a stunning office with on-trend molding. Luxurious primary suite offers dual vanities, deep soaking tub, separate walk-through shower, and dreamy walk-in closet with lighted shelves. Three additional spacious bedrooms and baths provide ample room for everyone. Practical extras include a mudroom, foam insulation (including garage), and impressive 3-car garage.
Step out to 881 sq ft of covered porch with stained pine ceilings—ideal for year-round enjoyment. Backyard is prepped for easy pool installation! Located in top-rated Lake Belton ISD, within Tennessee Valley Estates HOA, and under 1 mile from Temple Lake Park (swim beach, picnics, ramps) and Arrowhead Point boat ramp—perfect for lake lovers. Built for modern living with every detail covered—don’t miss this rare find! Schedule your tour today.
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THE NEIGHBORHOOD

Explore the location.

109 Cumberland Drive, Belton, TX 76513

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Map position comes from the listing source. Open directions in Google Maps

LOCAL MARKET CONTEXT

Bell County housing market

See the broader conditions surrounding this property through ERA Brokers Consolidated research.

12-month price trend$278,347Up 0.8% vs. the previous 12 months
Months of supply5.912-month average
Days on market11212-month weighted average

Latest available data: August 2026. Research by ERA Brokers Consolidated.

Explore the full market report

These figures describe the broader reporting area and do not determine this property’s value, condition, availability, or likely sale price.

THE DETAILS

The details, all in one place.

Property type
Residential
Category
Residential
Year built
2025
Full baths
4
Half baths
0
Garage spaces
3
Cooling
Electric,TwoUnits
Heating
Central,Electric,MultipleHeatingUnits
Appliances
DoubleOven,GasRange,SomeElectricAppliances,SomeGasAppliances,Cooktop,Microwave,Range
Flooring
Carpet,Tile,Vinyl
Exterior
CoveredPatio,Porch
Fencing
BackYard,Wood,WroughtIron
Pool features
None
Spa
No
Subdivision
Tennessee Valley Estate
Parcel
473806
Elementary school
Lakewood Elementary

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase—
Estimated monthly rent$3,312.50
Cap rate—

Annual operating income: —

HOA: No HOA cost is included because the listing source does not report one. Confirm whether HOA dues apply before relying on this estimate.

Have ERA review this rental estimate

Your property and current assumptions will be included for our team to review.

Adjust assumptions
Purchase price
Rental income & operating costs

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

ERA PROPERTY MANAGEMENT

See its potential.
Have a plan for what follows.

Considering this property as a rental? Start with the numbers, then talk through the day-to-day with a local management team.

  1. Understand the opportunity.

    Review rental pricing, property condition and your ownership goals with a local professional.

  2. Make a strong first impression.

    Bring together property preparation, professional marketing and applicant screening.

  3. Stay connected to your investment.

    Get support with rent collection, resident communication, maintenance coordination and owner reporting.

Get a local rental estimateTalk through your management needs
Stone-front home with a landscaped lawn and central entry
A more complete plan for your property

LOCAL PEOPLE. SHARED COMMITMENT.

A team behind your next step.

From your first question to the everyday work of ownership, a conversation with the right person makes a difference.

Meet ERA Property Management

Residential management in Utah, Nevada and Texas. Service availability and rental eligibility must be confirmed for each property. Commercial and association services are available through our management services page.

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109 Cumberland Drive, Belton, TX 76513 · MLS #607484

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Listing information

MLS #607484 · Central Texas MLS

Listing brokerage: Mahler Group
Listing agent: Mark Mahler

Listing status: Active. Record updated . Confirm current availability and price with the listing agent.