$482,437Average Value$217Average Price per Sq Ft40Homes For Sale
Harrison Bay offers lakefront recreation and access to Chattanooga
Life revolves around the outdoors in Harrison Bay, a quiet neighborhood on the shores of Chickamauga Lake north of Chattanooga. A marina and boat launch are among the top attractions at Harrison Bay State Park, which spans 1,200 lakefront acres on the neighborhood’s west side. Staying on dry land is an option, too, with hiking trails and a public golf course providing more activity. A mix of rural streets and suburban communities fills the area, and nearby state Route 58 offers an easy start to commutes throughout Hamilton County.
Harrison Bay is known for its serene lakefront community and homes.
Harrison Bay's natural beauty attracts the wonder of many locals.
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Housing ranges from subdivisions to rural lots near the water
Most homes in Harrison Bay are either ranch-style or New Traditional, and the neighborhood features both spacious rural properties and smaller lots in planned subdivisions. A few waterfront homes are available in the northern section and in the Wolftever Creek area to the south. Because of the variety of settings throughout the neighborhood, cost can vary widely. Most houses under 2,500 square feet cost between the mid-$200,000s and the lower $500,000s. Larger homes can range from the mid-$500,000s to the $1.1 millions.
The neighborhood features a mix of older ranch-style and colonial-style homes.
Many neighborhood homes borrow design cues from the natural beauty around them.
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What to expect from homeowners associations in the area
Homeowners associations are common in the area, but they often have fees typically under $50 per month and don’t interfere with daily life too much. Residents are largely able to use their property as they wish. “The HOAs are not very restrictive,” says Jannis Sams, an agent with Crye-Leike Realtors with over 30 years of experience. “Even if there are restrictions, they might say the boat has to be in the backyard, and not in front of the house. But they’re not really restrictive.”
Outdoor recreation centers on the water and nearby state park
Harrison Bay State Park and Chickamauga Lake are the main recreational sites in the neighborhood. Some of the outdoor activities nearby include:
Hiking on several trails in the state park, including the 4.3-mile Bay Point Loop Trail
Taking a motorboat or kayak out for a day on the water
Casting a line from the fishing piers
Golfing at the public, Jack Nicklaus-designed Bear Trace course
Locals can practice their golf skills at the public Bear Trace Golf Course.
Homeowners can easily store their boats in local marinas.
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Many students begin their education at Snow Hill Elementary School.
Multiple school options for Harrison Bay students
Students in Harrison Bay are served by Hamilton County Schools and can attend Central High School, about 6 miles away in Chattanooga. The school has career pathways in business management, digital arts and design, horticulture and supply chain management. The district also offers school choice, including magnet programs and open enrollment schools. Students must apply for these options, and placement is often based on a lottery system.
Commuting distances to nearby cities and job centers
Despite its rural setting, the neighborhood is within commuting distance of Chattanooga. “From Harrison Bay to downtown Chattanooga, you’re looking at 30 minutes, maybe. It’s not far,” Sams says. “It’s a good drive too. It’s not like there’s a lot of traffic.” Here are the distances you’ll drive to Chattanooga and other job centers:
25 miles to City Center via Highway 58 and Interstate 75
17 miles to Cleveland via state Route 312
9 miles to Volkswagen Chattanooga vis Highway 58 and Ferdinand Piech Way
What to know about flood risk near the water
Data from First Street shows significant flood risks in parts of the neighborhood, especially on the lakeshore and along creeks that flow through the area. “Anytime anybody buys a house on the lake, they need to check the flood maps,” Sams says. “I would always advise they check the maps and make sure they’re not in a floodplain because if they are, even if the area doesn’t flood, their insurance is going to be more expensive.” The nearby Chickamauga Dam, downriver from Harrison Bay, helps prevent flooding by regulating water levels in the area.
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Harrison Bay Demographics and Home Trends
On average, homes in Harrison Bay, Chattanooga sell after 39 days on the market compared to the national average of 55 days. The median sale price for homes in Harrison Bay, Chattanooga over the last 12 months is $500,000, up 16% from the median home sale price over the previous 12 months.
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