Is this Gatlinburg? No, but close!! Escape to the peaceful Coastal Cottage style of Center Hill Lake, where luxury meets nature in the gated community of Cove Hollow Bay. Designed for those who want to spend more time enjoying the lake and less time maintaining it. Endless mature trees and offering seasonal lake views, this thoughtfully renovated, modern Lake Cottage sits on just over 1 acre and provides the perfect balance of privacy, comfort, and effortless lake living. With more than $300,000 in curated improvements, every space designed to enhance everyday living and weekend escapes. Although not directly waterfront, the home offers the lifestyle buyers dream about—a short walk to Center Hill Marina access and proximity, gated community has its own private boat dock and slips!
Active
Price cut: $1K (7/31)
$549,000
105 Bay Dr, Lancaster, TN 38569
2beds
2,138sqft
Single Family Residence, Residential
Built in 2002
1.02 Acres Lot
$-- Zestimate®
$257/sqft
$50/mo HOA
What's special
- 56 days
- 165
- 9
Zillow last checked:
Listing updated:
Listed by:
Gazelle Westermeyer, Area Leader LakeAndEstates.com 931-291-5810,
LPT Realty LLC 877-366-2213
Source: RealTracs MLS as distributed by MLS GRID,MLS#: 3305063
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 1
Bedroom 1
- Features: Full Bath
- Level: Full Bath
- Area: 224 Square Feet
- Dimensions: 16x14
Bedroom 2
- Features: Bath
- Level: Bath
- Area: 144 Square Feet
- Dimensions: 12x12
Primary bathroom
- Features: Primary Bedroom
- Level: Primary Bedroom
Dining room
- Features: Combination
- Level: Combination
- Area: 130 Square Feet
- Dimensions: 13x10
Kitchen
- Features: Pantry
- Level: Pantry
- Area: 120 Square Feet
- Dimensions: 12x10
Living room
- Features: Great Room
- Level: Great Room
- Area: 288 Square Feet
- Dimensions: 16x18
Recreation room
- Features: Main Level
- Level: Main Level
- Area: 255 Square Feet
- Dimensions: 17x15
Heating
- Central, Natural Gas
Cooling
- Central Air
Appliances
- Included: Gas Oven, Oven, Dishwasher, Disposal, Dryer, ENERGY STAR Qualified Appliances, Freezer, Ice Maker, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer, Smart Appliance(s), Water Purifier
- Laundry: Electric Dryer Hookup, Washer Hookup
Features
- Built-in Features, Ceiling Fan(s), Extra Closets, High Ceilings, Pantry, Redecorated, Smart Light(s), Smart Thermostat, Walk-In Closet(s), Wet Bar, High Speed Internet
- Flooring: Wood
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Gas, Living Room
Interior area
- Total structure area: 2,138
- Total interior livable area: 2,138 sqft
- Finished area above ground: 2,138
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Gravel
- Uncovered spaces: 4
Features
- Levels: One
- Stories: 2
- Patio & porch: Deck, Covered, Patio, Porch
- Exterior features: Boat Slip, Balcony, Gas Grill, Smart Light(s), Smart Lock(s)
- Has view: Yes
- View description: Lake, Mountain(s)
- Has water view: Yes
- Water view: Lake
Lot
- Size: 1.02 Acres
- Features: Sloped
- Topography: Sloped
Details
- Parcel number: 019L A 00100 000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence, Residential
Materials
- Wood Siding
- Roof: Asphalt
Condition
- New construction: No
- Year built: 2002
Utilities & green energy
- Sewer: Private Sewer
- Water: Public
- Utilities for property: Natural Gas Available, Water Available, Cable Connected, Underground Utilities
Green energy
- Energy efficient items: Thermostat, Doors, Windows
Community & HOA
Community
- Security: Security Gate, Smoke Detector(s), Smart Camera(s)/Recording
- Subdivision: Cove Hollow Bay Phase I
HOA
- Has HOA: Yes
- Amenities included: Gated, Park, Playground, Underground Utilities
- Services included: Maintenance Grounds
- HOA fee: $50 monthly
- Second HOA fee: $300 one time
Location
- Region: Lancaster
Financial & listing details
- Price per square foot: $257/sqft
- Tax assessed value: $223,900
- Annual tax amount: $1,405
- Date on market: 7/31/2026
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 7/31/2026 | Price change | $549,000-0.2%$257/sqft |
Source:  RealTracs MLS as distributed by MLS GRID #3305063 Report a problem | ||
| 5/10/2026 | Listed for sale | $550,000+150%$257/sqft |
Source: Owner Report a problem | ||
| 5/18/2020 | Sold | $220,000-7.4%$103/sqft |
Source: RealTracs MLS as distributed by MLS GRID #2133229 Report a problem | ||
| 3/20/2020 | Price change | $237,500-12%$111/sqft |
Source: Lake Homes Realty #2133229 Report a problem | ||
| 9/19/2019 | Listed for sale | $270,000-6.4%$126/sqft |
Source: Lake Homes Realty of Central Tennessee #2082156 Report a problem | ||
| 6/14/2019 | Listing removed | $288,500$135/sqft |
Source: Town & Lake Realty, Inc. #1995947 Report a problem | ||
| 12/13/2018 | Price change | $288,500-3.2%$135/sqft |
Source: Town & Lake Realty, Inc. #1995947 Report a problem | ||
| 5/7/2018 | Listed for sale | $297,900+15%$139/sqft |
Source: Benchmark Realty, LLC #1927786 Report a problem | ||
| 12/1/2017 | Listing removed | $259,000$121/sqft |
Source: Benchmark Realty, LLC #1824850 Report a problem | ||
| 1/27/2017 | Listed for sale | $259,000-9.1%$121/sqft |
Source: Benchmark Realty, LLC #1778655 Report a problem | ||
| 10/14/2015 | Listing removed | $285,000$133/sqft |
Source: The Real Estate Team 615-597-9200 Report a problem | ||
| 8/14/2015 | Listed for sale | $285,000$133/sqft |
Source: The Real Estate Team 615-597-9200 Report a problem | ||
| 6/23/2015 | Listing removed | $285,000$133/sqft |
Source: The Real Estate Team 615-597-9200 Report a problem | ||
| 4/10/2015 | Listed for sale | $285,000+5.9%$133/sqft |
Source: The Real Estate Team 615-597-9200 Report a problem | ||
| 1/31/2015 | Listing removed | $269,000$126/sqft |
Source: Center Hill Realty #1531258 Report a problem | ||
| 8/16/2014 | Price change | $269,000-3.6%$126/sqft |
Source: Center Hill Realty #1531258 Report a problem | ||
| 4/11/2014 | Listed for sale | $279,000-2.1%$130/sqft |
Source: Center Hill Realty #1531258 Report a problem | ||
| 9/18/2010 | Listing removed | $285,000$133/sqft |
Source: TheDailyClassifieds.Com #1181026 Report a problem | ||
| 10/12/2008 | Listed for sale | $285,000+8.8%$133/sqft |
Source: TheDailyClassifieds.Com #1024284 Report a problem | ||
| 1/31/2008 | Sold | $262,000+10.4%$123/sqft |
Source: Public Record Report a problem | ||
| 8/20/2004 | Sold | $237,405-5%$111/sqft |
Source: Public Record Report a problem | ||
| 12/2/2003 | Sold | $249,900$117/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,405 | $55,975 |
| 2024 | $1,405 +25.5% | $55,975 |
| 2023 | $1,120 +15.6% | $55,975 |
| 2022 | $969 | $55,975 |
| 2021 | -- | $55,975 +7.1% |
| 2020 | $1,110 | $52,250 |
| 2019 | $1,110 +15.8% | $52,250 |
| 2018 | $958 | $52,250 |
| 2017 | $958 | $52,250 |
| 2016 | $958 +13.2% | $52,250 |
| 2015 | $846 -3.1% | $52,250 -3.1% |
| 2014 | $874 | $53,925 |
| 2013 | $874 | $53,925 |
| 2011 | $874 +12.7% | $53,925 +1.6% |
| 2010 | $775 | $53,100 |
| 2009 | $775 | $53,100 |
| 2008 | $775 -1.3% | $53,100 +14.9% |
| 2007 | $786 -10.5% | $46,225 |
| 2006 | $878 +25.8% | $46,225 |
| 2005 | $698 -7.4% | $46,225 |
| 2004 | $753 +22% | $46,225 +22% |
| 2003 | $617 | $37,875 +37.3% |
| 2001 | -- | $27,582 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 38569
Nearby schools
Schools provided by the listing agent
- Elementary: Northside Elementary
- Middle: DeKalb Middle School
- High: De Kalb County High School
Source: RealTracs MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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