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 in 1975 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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FeaturesGeneralLiving Area 2126
Sewer Septic Tank
Heating Central Electric
Cooling Central Air Electric
Utilities Electricity Available Water Available
Possession Close Of Escrow
Roof Asphalt
Appliances Refrigerator Microwave Electric Range Dishwasher
Garage Spaces 2
Patio/Porch Features Patio Covered Porch
Architectural Style Raised Ranch
Construction Materials Other Brick
Year Built 1975
Stories Count 2
Topography Level
Levels Three Or More
Property Subtype Single Family Residence
County Hamilton County TN
New Construction N
Property Type Residential
Attached Garage N
Subdivision Name None
Garage Y/N Y
Full Baths 2
Status Active
Buyer Financing Other Conventional FHA VA
Directions to follow
High School Central High School
City Chattanooga
Senior Community Y/N N
Lot Size Units Acres
Elementary School Harrison Elementary School
Property Attached Y/N N
Year Built Details Existing
Tax Annual Amount 1291
Middle/Junior High School Brown Middle School
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
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InteriorInterior Amenities Ceiling Fan(s) Entrance Foyer Walk-In Closet(s) Kitchen Island
Basement Full Finished Unfinished
Flooring Carpet Other
Total Fireplaces 1
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Half Baths 1
Total Bedrooms 4
Below Grade Finished Area Unit Type Square Feet
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
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ExteriorParking Features Garage Faces Side Concrete Driveway
Lot Features Level
Water Source Public
Total Parking 2
Lot Size Area 0.94
Building Area Total 2126
Lot Dimensions 230X207.9
Lot Size Acres 0.94
Lot Size Source Agent Calculated
Waterfront Y/N N
Covered Spaces 2
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* Excluded FeaturesList ByGreater Chattanooga Realty, Keller 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.
4313825 Elementary School
3575055 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 |