Welcome to 9103 Bay Drive, where beautifully updated living spaces, nearly an acre of level property, and access to Chickamauga Lake come together to offer the perfect blend of comfort, convenience, and outdoor living!
Situated on a spacious, flat corner lot in the heart of Harrison, this beautifully remodeled split-level home offers over 2,100 square feet of versatile living space, 4 bedrooms, 2.5 bathrooms, and plenty of room to spread out, both inside and out.
Step inside to discover a warm and inviting interior with thoughtful updates throughout. The beautifully remodeled kitchen features granite countertops, crisp white cabinetry, stainless steel appliances, and an abundance of counter and cabinet space, making it as functional as it is attractive. Whether preparing everyday meals or entertaining family and friends, this kitchen is ready for it all!
One of the home's standout features is the flexibility of its main-level living spaces. A welcoming front living room and a separate, spacious den provide multiple areas to gather, relax, or entertain. Need a dedicated home office, playroom, or quiet retreat? The front living room could easily serve that purpose while still leaving plenty of space for everyday living in the den.
The main level also features three bedrooms, including the primary suite, while the finished lower level offers even more possibilities. Currently utilized as a fourth bedroom, this generous space includes a convenient half bathroom and could easily function as a guest retreat, teen hangout, home office, or additional recreation room. A dedicated laundry room and an additional unfinished area provide valuable storage and potential for future expansion.
Outside, the possibilities are just as exciting! Situated on a large, level corner lot of just under one acre, the property offers plenty of room for outdoor entertaining, gardening, recreation, or simply enjoying the privacy and breathing room that comes with a larger homesite. The extended d The extended driveway provides abundant parking, including space for a boat, RV, or additional vehicles.
And for those who love life on the water, here's another reason to fall in love with this location! The neighborhood offers community lake access and a community dock, making it easy to enjoy the beauty and recreation of nearby Chickamauga Lake. Spend your weekends boating, fishing, kayaking, or exploring the area's waterfront restaurants and marinas.
All of this comes with the added benefit of county taxes only, while remaining conveniently located near Highway 58, shopping, restaurants, schools, and downtown Chattanooga.
With its beautifully updated interior, multiple living areas, expansive level lot, generous parking, and neighborhood lake amenities, 9103 Bay Drive offers a lifestyle that's hard to beat. If you've been searching for a move-in-ready home with room to spread out and easy access to the lake, this Harrison property deserves a closer look!
For sale
Price cut: $25K (11/2)
$349,900
9103 Bay Dr, Chattanooga, TN 37416
4beds
2,126sqft
Single Family Residence
Built in 1975
0.94 Acres Lot
$347,400 Zestimate®
$165/sqft
$-- HOA
What's special
Beautifully remodeled split-level homeBeautifully updated living spacesStainless steel appliancesSeparate spacious denGenerous parkingBeautifully remodeled kitchenExpansive level lot
- 178 days
- 1,169
- 149
Zillow last checked:
Listing updated:
Listed by:
Rachel C Bruner 423-255-6600,
Keller Williams Realty 423-664-1600
Source: Greater Chattanooga Realtors,MLS#: 1534782
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: Basement
Bathroom
- Level: First
Other
- Level: Basement
Bonus room
- Description: Unfinished
- Level: Basement
Den
- Level: First
Kitchen
- Level: First
Laundry
- Level: Basement
Living room
- Level: First
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Electric Range, Microwave, Refrigerator
- Laundry: In Basement, Electric Dryer Hookup, Inside, Lower Level, Laundry Room, Washer Hookup
Features
- Ceiling Fan(s), Double Vanity, Entrance Foyer, Eat-in Kitchen, Granite Counters, High Speed Internet, Kitchen Island, Stone Counters, Walk-In Closet(s), Tub/shower Combo, En Suite
- Flooring: Carpet, Luxury Vinyl
- Windows: Vinyl Frames
- Basement: Finished,Full,Unfinished
- Number of fireplaces: 1
- Fireplace features: Living Room
Interior area
- Total structure area: 2,126
- Total interior livable area: 2,126 sqft
- Finished area above ground: 2,126
Property
Parking
- Total spaces: 2
- Parking features: Basement, Concrete, Driveway, Garage, Garage Door Opener, Off Street, On Street, RV Access/Parking, Garage Faces Side
- Attached garage spaces: 2
Features
- Levels: Bi-Level,Multi/Split,Two
- Stories: 2
- Patio & porch: Covered, Front Porch, Patio, Porch
- Exterior features: Private Yard, Rain Gutters
- Pool features: None
- Spa features: None
- Fencing: None
- Waterfront features: Lake Privileges
Lot
- Size: 0.94 Acres
- Dimensions: 230 x 207.9
- Features: Back Yard, Cleared, Corner Lot, Front Yard, Landscaped, Level
Details
- Additional structures: None
- Parcel number: 112p D 017
- Special conditions: Standard
- Other equipment: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Split Level
- Property subtype: Single Family Residence
Materials
- Brick
- Foundation: Block
- Roof: Asphalt,Shingle
Condition
- New construction: No
- Year built: 1975
Utilities & green energy
- Sewer: Septic Tank
- Water: Public
- Utilities for property: Cable Available, Electricity Connected, Water Connected
Community & HOA
Community
- Features: Dock, Lake
- Security: Secured Garage/Parking
- Subdivision: Waconda Bay
HOA
- Has HOA: No
Location
- Region: Chattanooga
Financial & listing details
- Price per square foot: $165/sqft
- Tax assessed value: $338,200
- Annual tax amount: $1,290
- Date on market: 8/18/2026
- Listing terms: Cash,Conventional,FHA,Lease Purchase,VA Loan
Estimated market value
$347,400
$330,000 - $365,000
$2,752/mo
Price history
| Date | Event | Price |
|---|---|---|
| 11/2/2026 | Price change | $349,900-6.7%$165/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 9/19/2026 | Price change | $374,900-2.6%$176/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 7/27/2026 | Price change | $385,000-3.5%$181/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 6/30/2026 | Price change | $399,000-3.9%$188/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 6/1/2026 | Price change | $415,000-2.4%$195/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 5/18/2026 | Listed for sale | $425,000+85.6%$200/sqft |
Source: Greater Chattanooga Realtors #1534782 Report a problem | ||
| 8/17/2022 | Sold | $229,000$108/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,291 +10.2% | $84,550 +62.8% |
| 2024 | $1,171 | $51,925 |
| 2023 | $1,171 | $51,925 |
| 2022 | $1,171 +0.8% | $51,925 |
| 2021 | $1,162 -2.6% | $51,925 +20.3% |
| 2020 | $1,193 | $43,150 |
| 2019 | $1,193 | $43,150 |
| 2018 | $1,193 -0.7% | $43,150 |
| 2017 | $1,202 +5.1% | $43,150 |
| 2016 | $1,144 | -- |
| 2015 | $1,144 | $41,050 |
| 2014 | $1,144 -45.1% | -- |
| 2013 | $2,086 | $41,050 -0.1% |
| 2012 | $2,086 | $41,100 |
| 2011 | $2,086 | $41,100 |
| 2010 | $2,086 +7.9% | $41,100 |
| 2009 | $1,933 | $41,100 +13.2% |
| 2008 | -- | $36,300 |
| 2007 | -- | $36,300 |
| 2006 | -- | $36,300 |
| 2005 | -- | $36,300 +14.5% |
| 2004 | -- | $31,700 |
| 2003 | -- | $31,700 |
| 2002 | -- | $31,700 |
| 2001 | -- | $31,700 +7.1% |
| 2000 | -- | $29,600 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 37416
Nearby schools
Schools provided by the listing agent
- Elementary: Harrison Elementary
- Middle: Brown Middle
- High: Central High School
Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.





