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For sale
  • Price cut: $25K (11/2)
    $349,900

    9103 Bay Dr, Chattanooga, TN 37416

    4beds
    2,126sqft
    : 
    $2,228/mo
    Get pre-qualified
    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
    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!
    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

        DateEventPrice
        11/2/2026Price change$349,900-6.7%$165/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        9/19/2026Price change$374,900-2.6%$176/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        7/27/2026Price change$385,000-3.5%$181/sqft
        Source: Greater Chattanooga Realtors #1534782 Report a problem
        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.
        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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