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For sale
  • Price cut: $16K (6/30)
    $399,000

    9103 Bay Dr, Chattanooga, TN 37416

    4beds
    2,126sqft
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    Single Family Residence
    Built in 1975
    0.94 Acres Lot
    $390,500 Zestimate®
    $188/sqft
    $-- HOA

    What's special

    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.
    67 days
    |
    627
    |
    45
    |

    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: None
      HOA
      • Has HOA: No
      Location
      • Region: Chattanooga

      Financial & listing details

      • Price per square foot: $188/sqft
      • Tax assessed value: $338,200
      • Annual tax amount: $1,290
      • Date on market: 5/18/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan

        Estimated market value

        $390,500

        $371,000 - $410,000

        $2,237/mo

        Price history

        DateEventPrice
        6/30/2026Price change$399,000-3.9%$188/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        6/1/2026Price change$415,000-2.4%$195/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        5/18/2026Listed for sale$425,000+85.6%$200/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        8/17/2022Sold$229,000$108/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 37416

        Getting around

        0 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        17 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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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