Buying due diligence
Buying a lot at Fairfield Glade
A $1,000 lot is the cheapest way in, and the price is real. So are the monthly dues, the lien behind them, and the absence of any way to hand the lot back. Here's what the Club's own paperwork says, before you offer.
Every figure verified
The short answer
The cheapest way into Fairfield Glade is a lot. The Club sells them from its own inventory with minimum bids starting at $1,000, and private owners list them for less than a used car. If you're circling the Glade but not ready to commit to a house, buying a lot first looks like the careful move. Hold the land, join the community, decide later. 1
The price is real. So is what comes with it. Every lot bills you monthly, whether or not there's a house on it, whether or not you ever visit. The Club's cheapest tier runs $61 a month with a $200 fee at closing, and the meter starts when you buy.
The declaration behind every Glade property makes those charges a continuing lien on the land and a personal obligation of whoever owns it when a bill comes due. 2
And there's no door marked exit. We read the declaration looking for a way to hand a lot back, and there isn't one. No surrender procedure, no donation clause, no abandonment. That's a finding about the document, not a claim that the Club has never worked something out with an owner. But the paper you'd sign gives you no right to stop owing.
The three tiers
The Club's own purchase sheet sorts its inventory into three tiers by which services reach the lot. The amenity reserve fee is collected at closing, and monthly dues begin when you buy, in the sheet's own words. All figures below are the sheet's 2026 numbers, and the live copy was re-checked against our held copy on 28 August 2026. 1
| Tier | Minimum bid | Fee at closing | Monthly dues |
|---|---|---|---|
| A-tier hard-surface road and sewer available | $5,500 | $2,000 | $94 |
| B-tier one of the two available | $3,500 | $1,000 | $80 |
| C-tier, the "membership lot" neither available | $1,000 | $200 | $61 |
The sheet adds three details worth keeping. There's a discount for buying multiple lots. Offers on Club inventory go in writing to the Club's properties office, and closings run through a single title company the Club names. And the sheet walks buyers through looking up any parcel on the state's assessment site, which is also how you find what the county thinks the lot is worth.
One caution that matters more than any number in the table: these are the Club's terms for its own inventory. They don't establish the closing fee or the dues on a lot you'd buy from a private owner. Ask the Club and the closing agent to identify the exact lot's tier, its monthly dues, and its closing fee in writing before you sign.
The arithmetic on a cheap lot
At $61 a month, the cheapest tier costs $732 a year in dues. Own it quietly for a decade and you've paid about $7,320, on land with a $1,000 minimum bid. Those are our multiplications of the Club's published figures, and the dues are dated 2026 on the sheet, which tells you they can move.
County property tax runs on top. Cumberland County's rate is $1.1350 per $100 of assessed value. 4 We don't publish a tax bill for a hypothetical lot, because appraisals are parcel-specific. Look the exact parcel up on the state assessment site before you offer, the same lookup the Club's sheet recommends, and read the appraisal and the tax together.
What the declaration does, and doesn't, provide
Annual, special, and individual assessments can become a continuing lien on the lot. The owner when a charge comes due is personally responsible, and a buyer can share liability for amounts already due at transfer. The Club may foreclose its lien or sue on the personal obligation. That's the enforcement machinery, in the declaration's own structure. 2
What the document doesn't provide is a way out. No surrender, no donation, no abandonment procedure. The realistic exit from a lot is the same as the entrance: a sale, to a buyer willing to take on everything you're carrying. What a bare lot fetches is set by what that next buyer will pay, and we don't publish a figure for it. Research the resale market for lots before you buy, not after, and treat the answer as part of the price.
The membership question, and a vote worth knowing about
The Club calls a C-tier lot a "membership lot," and its purchase sheet says nothing else about it. What membership includes for a lot owner isn't published there. 1 The theory writes itself: a $1,000 lot as the cheap way into member rates at the golf courses and pools. We won't confirm a theory the paperwork doesn't state. If amenity access is your reason for buying, get what the lot confers in writing before you offer. The gap between member and guest rates is real money, and what golf costs here shows exactly how much.
There's also a recent vote a lot buyer should know about. In September 2025, owners rejected a proposed covenant amendment by 83.4% of those voting. It would have allowed the declarant to directly bill lot owners for roads he builds and water lines he installs in areas targeted for development. 3
Here's why that matters if you're holding this page next to a listing. A C-tier lot has neither a hard-surface road nor sewer. Getting services to one costs money, and the question of who pays was live enough in 2025 to go to a community vote. The rejection closed one proposed mechanism. It didn't build anyone a road. Before treating the low price as the whole price, ask what it would cost to serve the specific lot you're looking at, and who would pay it.
Five things to get in writing
Before you offer on any lot
None of these are answered by a listing. The Club publishes its contact routes on its own site, and offers on Club inventory already have to go in writing, so the habit costs nothing extra. 5
- Which tier is this exact lot, and what are its monthly dues and its closing fee this year? Club inventory terms don't establish a private resale's terms.
- What does membership on this lot include, in writing? Which amenities, at which rates?
- What would it cost to bring road and sewer service, or an approved alternative, to this lot, and who pays?
- What unpaid assessments or other charges attach to this lot today? A buyer can share liability for amounts already due at transfer.
- If I stop wanting it, what are my options? Ask the Club directly whether any surrender or buy-back route exists, and keep the answer, whichever way it goes.
A lot is the smallest purchase in the Glade and the easiest to under-think. The dues run whether you visit or not, the lien doesn't care what you paid, and the exit is whatever buyer you can find later. Priced with all of that, some lots are still a fine purchase. The point of this page is that the sticker isn't the price.
Sources
- Interested in Purchasing a Property from the Fairfield Glade Community Club? (lot tiers, fees and offer process) . Fairfield Glade Community Club , 2026 figures; held July 29, 2026; live copy re-fetched August 28, 2026 and hash-identical to the held copy.
- Amended and Restated Declaration of Covenants and Restrictions for Fairfield Glade . Fairfield Glade Community Club; held through a Woltz auction property file , November 5, 1997; copy re-held July 29, 2026.
- FGCC president on rejected C&R vote: 'The people have spoken' . Glade Sun / Crossville Chronicle , September 19, 2025.
- 2025 Tax Aggregate Report of Tennessee, Table VI . Tennessee Comptroller of the Treasury, State Board of Equalization , tax years 2024 and 2025.
- Contact Us . Fairfield Glade Community Club , rechecked August 5, 2026.