9103 Bay Drive
Chattanooga, TN, 37416 $ 399,000
Bedrooms4 Baths2.1 Sq 2,126 Monthly Estimate*
$ 2,519
for $399,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,126 square foot home was built on a lot size of 0.94.
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.
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FeaturesInteriorInterior Amenities Ceiling Fan(s) Entrance Foyer Granite Counters Kitchen Island Tub/shower Combo Walk-In Closet(s)
Basement Finished Full Unfinished
Flooring Carpet Luxury Vinyl
Total Fireplaces 1
Fireplace Features Living Room
Basement (Y/N) Y
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Above Grade Finished Area 2126.0
Half Baths 1
Laundry Features Laundry Room Main Level
Total Bedrooms 4
Total Baths 3
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GeneralSewer Septic Tank
Heating Central Electric
Cooling Central Air Electric
Utilities Cable Available Electricity Available Water Available
Possession Close Of Escrow
Roof Asphalt Shingle
Appliances Refrigerator Microwave Electric Range Dishwasher
Garage Spaces 2.0
Patio/Porch Features Covered Patio Porch
Architectural Style Split Foyer
Construction Materials Brick
Year Built 1975
Levels Two
Property Subtype Single Family Residence
Community Features Dock Lake
County Hamilton
New Construction N
Property Type Residential
HOA N
Attached Garage Y
Subdivision Name None
Garage Y/N Y
Total Rooms 10
Full Baths 2
Status Active
Directions to follow
High School Central High School
City Chattanooga
Senior Community Y/N N
MLS Area Chattanooga
Lot Size Units Acres
Lot Size Square Feet 40946.4
Carport Y/N N
Listing Terms Cash Conventional FHA VA Loan
Elementary School Harrison Elementary
Land Lease Y/N N
Tax Annual Amount 1290.52
Home Warranty Y/N N
Middle/Junior High School Brown Middle
Lease Renewal Y/N N
MLS Area Minor Chattanooga
Additional Parcels Y/N N
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Legal Description Lot 1 Blk 3 Waconda Bay Unit 1 Pb 2 1 Pg 38 & 39
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ExteriorExterior Amenities Private Yard
Fencing None
Parking Features Concrete Driveway Garage Garage Faces Side
Lot Features Level
Water Source Public
Lot Size Area 0.94
Foundation Details Block
Spa N
Building Area Total 2126.0
Lot Dimensions 230X207.9
Lot Size Acres 0.94
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByKeller Williams RealtyBroker
bruner.rachel@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $2,519
- Monthly Property Taxes
- $108
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Chattanooga, TN
Average List Price $527,214
Percent of Sale Price 32%
About Chattanooga, TN 184,934 Population
16% Since 2002
$ 44,682 Median Income
38.38 Median Age
23% Households with Children
Trends Information provided by ATTOM Data Solutions.
1547876 Elementary School
1547369 Middle School
Central High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 6/30/2026 | $399,000 | -3.86% | Price Down |
| 6/2/2026 | $415,000 | -2.35% | Price Down |
| 5/15/2026 | $425,000 | | Listed Price |