$657,000
SOLD NOV 13, 2025

120 Bay Dr Lancaster, TN 38569

3 Beds
2.5 Baths
2,050 Sq Ft
20,473 Sq Ft Lot

Recently Sold

$320 Per Sq Ft

9% Below List Price

49 Days on Market

Highlights

  • Community Boat Dock
  • Open Floorplan
  • Wood Flooring
  • Gated Community
  • Wooded Lot
  • Corner Lot

About This Home

As of November 2025

Welcome to 120 Bay Dr—a fully furnished, turn-key retreat at Center Hill Lake. Whether you're seeking a serene primary residence, a weekend getaway, or a ready-to-go short-term rental, this property delivers. Thoughtfully designed and stocked with everything you need, it’s move-in—or rent-out—ready. Located in a gated lake community mins from Center Hill Marina, this home offers the perfect blend of comfort, convenience, and investment potential. Property conveys fully furnished and impeccably stocked, providing a complete turn-key experience. Owner/agent.

Last Agent to Sell the Property

Anna Greer

eXp Realty Brokerage Phone: 6153641063 License #349005 Listed on: 09/24/2025

eXp Realty

Last Buyer's Agent

Julie Norfleet

Wilson Group Real Estate License # 313010

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,755

Year Built

  • Built in 2002

Lot Details

  • 0.47 Acre Lot
  • Corner Lot
  • Level Lot
  • Cleared Lot
  • Wooded Lot

HOA Fees

  • $50 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Front Facing Garage
  • Garage Door Opener

Home Design

  • Asphalt Roof
  • Wood Siding
  • Stone Siding

Interior Spaces

  • 2,050 Sq Ft Home
  • Property has 1 Level
  • Open Floorplan
  • High Ceiling
  • Ceiling Fan
  • Gas Fireplace
  • Entrance Foyer
  • Great Room with Fireplace
  • Living Room with Fireplace
  • Screened Porch
  • Interior Storage Closet
  • Finished Basement

Kitchen

  • Built-In Gas Oven
  • Microwave
  • Freezer
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Smart Appliances
  • Disposal

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms

Laundry

  • Dryer
  • Washer

Home Security

  • Security Gate
  • Indoor Smart Camera
  • Smart Locks
  • Carbon Monoxide Detectors
  • Fire and Smoke Detector

Schools

  • Dekalb West Elementary School
  • Dekalb Middle School
  • De Kalb County High School

Utilities

  • Air Filtration System
  • Central Heating and Cooling System
  • Septic Tank
  • High Speed Internet
  • Cable TV Available

Additional Features

  • Air Purifier
  • Balcony

Listing and Financial Details

  • Assessor Parcel Number 019L A 05800 000

Community Details

Overview

  • $200 One-Time Secondary Association Fee
  • Association fees include ground maintenance
  • Cove Hollow Bay Phase I Subdivision

Recreation

  • Community Boat Dock
  • Community Playground
  • Park
  • Trails

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,755

Year Built

Built in 2002

Lot Details

0.47 Acres

HOA Fees

$50 per month

Parking

2

Listing Details

  • Prop. Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 2002
  • Unit Levels: One
  • New Construction: No
  • Building Stories: 3
  • Year Built Details: Existing
  • Special Features: None
  • Stories: 3

Interior Features

  • Interior Amenities: Air Filter, Ceiling Fan(s), Entrance Foyer, Extra Closets, High Ceilings, Open Floorplan, Smart Camera(s)/Recording, High Speed Internet
  • Appliances: Built-In Gas Oven, Built-In Gas Range, Dishwasher, Disposal, Dryer, Freezer, Ice Maker, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer, Smart Appliance(s)
  • Fireplace Features: Gas, Great Room, Living Room
  • Fireplace: Yes
  • Fireplaces: 1
  • Flooring: Wood, Tile
  • Total Bedrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Has Basement: Finished
  • Above Grade Finished Sq Ft: 2050
  • Building Area Units: Square Feet
  • Living Area: 2050
  • Living Area Units: Square Feet
  • Other Equipment: Air Purifier

Exterior Features

  • Exterior Features: Balcony, Smart Camera(s)/Recording, Smart Lock(s)
  • Construction Type: Stone, Wood Siding
  • Foundation Details: Block
  • Patio And Porch Features: Porch, Covered, Screened
  • Pool Private: No
  • Roof: Asphalt
  • Topography: Cleared,Corner Lot,Level,Wooded
  • View: No
  • Waterfront: No

Garage/Parking

  • Attached Garage: Yes
  • Covered Parking Spaces: 2
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Garage Door Opener, Garage Faces Front
  • Total Parking Spaces: 2

Utilities

  • Sewer: Septic Tank
  • Water Source: Public
  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Security: Carbon Monoxide Detector(s), Security Gate, Smoke Detector(s)
  • Utilities: Water Available, Cable Connected

Condo/Co-op/Association

  • HOA Fee Includes: Maintenance Grounds
  • Association Fee: 600
  • Association #2 Fee: 200
  • Association #2 Fee Frequency: One Time
  • Association Fee Frequency: Annually
  • Amenities: Boat Dock, Gated, Park, Playground, Trail(s)
  • Association: Yes
  • Senior Community: No

Lot Info

  • Lot Features: Cleared, Corner Lot, Level, Wooded
  • Lot Size Acres: 0.47
  • Lot Size: 194.99X199.87 IRR
  • Lot Size Units: Acres
  • Parcel #: 019L A 05800 000
  • Property Attached Yn: No

Rental Info

  • Pets Allowed: Yes

Multi Family

  • Above Grade Finished Area Units: Square Feet

Tax Info

  • Tax Annual Amount: 1755

MLS Schools

  • Elementary School: DeKalb West Elementary
  • High School: De Kalb County High School
  • Middle Or Junior School: DeKalb Middle School

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 24, 2025
Closed on
Nov 12, 2025
Sold by
Greer Tyler and Greer Anna
Bought by
Kohl Jeffrey and Kohl Mariam
Seller's Agent
Anna Greer
eXp Realty
Buyer's Agent
Julie Norfleet
Wilson Group Real Estate
List Price
$725,000
Sold Price
$657,000
Premium/Discount to List
-$68,000
-9.38%
Views
83
Current Estimated Value
$671,472

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$14,472
Avg. Annual Appreciation
-2.56%

Purchase Details

Closed on
Aug 2, 2021
Sold by
Freeman Daniel C
Bought by
Greer Tyler and Greer Anna

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$236,000
Interest Rate
2.9%
Mortgage Type
New Conventional

Purchase Details

Listed on
Mar 2, 2015
Closed on
Jun 15, 2015
Sold by
Hayes Andrea Lynn
Bought by
Freeman Daniel C and Freeman Donna L
Seller's Agent
Robin Driver
Center Hill Realty
Buyer's Agent
Lara K. Kirby
Compass
List Price
$275,000
Sold Price
$220,000
Premium/Discount to List
-$55,000
-20%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
10.60%

Purchase Details

Closed on
Jun 12, 2009
Sold by
Wells Fargo Bank Na
Bought by
Hayes Andrea Lynn

Purchase Details

Closed on
Feb 5, 2009
Sold by
Manuel Amy Carol
Bought by
Wells Fargo Bank Na

Purchase Details

Closed on
Oct 17, 2001
Bought by
Deer Creek Construction Inc

Purchase Details

Closed on
Apr 4, 1995
Sold by
Northgate Optical Inc
Bought by
Bandy George E
Source: Public Records
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Purchase History

Date Type Sale Price Title Company
Warranty Deed $657,000 None Listed On Document
Warranty Deed $295,000 --
Warranty Deed $220,000 --
Deed $200,000 --
Deed $191,750 --
Warranty Deed $185,000 --
Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $236,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
11/13/2025 11/13/25 Sold $657,000 -9.4% $320 / Sq Ft
11/12/2025 11/12/25 Pending -- -- --
09/24/2025 09/24/25 For Sale $725,000 +173.6% $354 / Sq Ft
08/18/2017 08/18/17 Pending -- -- --
07/26/2017 07/26/17 Price Changed $265,000 -3.6% $129 / Sq Ft
07/16/2017 07/16/17 For Sale $275,000 +25.0% $134 / Sq Ft
06/15/2015 06/15/15 Sold $220,000 -- $107 / Sq Ft View Prior Sale
Source: Realtracs

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,755 $69,925 $31,250 $38,675
2024 $1,755 $69,925 $31,250 $38,675
2023 $1,399 $69,925 $31,250 $38,675
2022 $1,210 $69,925 $31,250 $38,675
2021 $1,210 $69,925 $31,250 $38,675
2020 $1,330 $69,925 $31,250 $38,675
2019 $1,330 $62,650 $31,250 $31,400
2018 $1,149 $62,650 $31,250 $31,400
2017 $1,149 $62,650 $31,250 $31,400
2016 $1,149 $62,650 $31,250 $31,400
2015 $1,015 $62,650 $31,250 $31,400
2014 $1,087 $67,125 $31,250 $35,875
2013 $1,087 $67,125 $31,250 $35,875
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Realtracs

MLS Number: 2981223

Realtracs

APN: 019L-A-058.00

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