Welcome to 9103 Bay Drive -- where space, functionality, and location come together in the heart of Harrison. This renovated split-level home offers over 2,100 square feet with 4 bedrooms and 2.5 bathrooms designed for both everyday comfort and entertaining.
The main level features 3 bedrooms, including the primary suite, along with a functional layout that flows easily for daily living. The kitchen offers an abundance of cabinet and countertop space with room to gather, prep, and host with ease. Just off the kitchen, the spacious living areas create a warm and inviting flow throughout the home with flexible space for entertaining, relaxing, or everyday living.
Downstairs, you'll find a large finished living area being used as a 4th bedroom along with a half bathroom, making it ideal for guests, a teen or in-law suite, home office, or bonus space. There is also an additional unfinished room in the basement, offering great storage or future expansion potential.
Step outside and enjoy nearly an acre of property with a long driveway providing ample parking and convenience for multiple vehicles, guests, or recreational use. Located just minutes from Chickamauga Lake, residents also enjoy community lake access along with nearby boating, fishing, kayaking, marinas, parks, and waterfront dining.
Conveniently located in Harrison, you'll enjoy a quieter setting while still being close to grocery stores, restaurants, schools, Highway 58, and an easy drive to downtown Chattanooga. Whether you're searching for space to spread out, room to entertain, or a home near the lake and outdoor recreation--this home delivers it all.
For sale
Price cut: $10.1K (9/19)
$374,900
9103 Bay Dr, Chattanooga, TN 37416
4beds
2,126sqft
Single Family Residence
Built in 1975
0.94 Acres Lot
$371,500 Zestimate®
$176/sqft
$-- HOA
What's special
- 163 days
- 781
- 95
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: Second
Primary bathroom
- Level: First
Bathroom
- Level: First
Other
- Level: Second
Den
- Level: First
Kitchen
- Level: First
Living room
- Level: First
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Electric Range, Microwave, Refrigerator
- Laundry: Laundry Room, Main Level
Features
- Ceiling Fan(s), Entrance Foyer, Granite Counters, Kitchen Island, Walk-In Closet(s), Tub/shower Combo
- Flooring: Carpet, Luxury Vinyl
- 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: Concrete, Driveway, Garage, Garage Faces Side
- Attached garage spaces: 2
Features
- Levels: Two
- Patio & porch: Covered, Patio, Porch
- Exterior features: Private Yard
- Fencing: None
Lot
- Size: 0.94 Acres
- Dimensions: 230 x 207.9
- Features: Level
Details
- Parcel number: 112p D 017
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 Available, Water Available
Community & HOA
Community
- Features: Dock, Lake
- Subdivision: Waconda Bay
HOA
- Has HOA: No
Location
- Region: Chattanooga
Financial & listing details
- Price per square foot: $176/sqft
- Tax assessed value: $338,200
- Annual tax amount: $1,290
- Date on market: 8/18/2026
- Listing terms: Cash,Conventional,FHA,VA Loan
Estimated market value
$371,500
$353,000 - $390,000
$2,747/mo
Price history
| Date | Event | Price |
|---|---|---|
| 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.
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