$1,995,000

Estimated payment $11,677/month

Total Views 327
4 Beds
4.5 Baths
5,458 Sq Ft
$366 Price per Sq Ft

Highlights

  • Lake Front
  • River Access
  • Fishing
  • Boat Dock
  • Boat Slip
  • Lake On Lot

About This Home

Life on the lake takes on a whole new meaning in this well-established gated waterfront community, where deep, year-round water meets sweeping, panoramic water views of an untouched, lush green shoreline. Less than 30 minutes from Chattanooga's North Shore, downtown Scenic City, and the Riverfront, Oak Cove offers both accessibility and a true escape from the bustle of the city. Here, mornings begin with sunlight glistening across open water, days are filled with easy lakefront living, and evenings end on the back deck or with a sunset cruise from your own private dock. 12004 Oak Cove Lane was built to last and built to enjoy life with a two-story dock offering covered and uncovered decking, a boat lift, and four Sea-Doo lifts—making spontaneous lake days as simple as stepping into your backyard. A paved boat ramp on the property ensures unparalleled water access for you and your family and guests. The home's timeless all-brick architecture with a wide, welcoming covered front porch and an impressive two-story formal entry with a sweeping staircase and straight through views to a dramatic window wall showcasing the water. The property embraces the lake at every turn, with expansive glass—some soaring two stories—inviting in natural light and uninterrupted views. The central two-story family room flows easily into the kitchen and a window wrapped breakfast room which in turn opens to the keeping room with a stacked-stone gas fireplace, complete with a secondary staircase to the second floor for convenient everyday living. A butler's pantry connects the kitchen to the formal dining room, creating a seamless flow throughout the main level and entertaining spaces. The main-level primary suite is a secluded sanctuary, featuring a private sitting room of almost 200 square feet of vaulted light-filled space perfect for a home office, home gym or nursery. The primary suite boasts dual custom closets and a luxurious and spacious en-suite bath overlooking the water. Upstairs, three spacious bedrooms each offer walk-in closets, complemented by two full baths and a large bonus room with gas fireplace and expansive windows with birds eye open lake views. The lower level provides over 3,000 square feet of daylight, walk-out unfinished space ready for customization and future expansion and unlimited potential. Already a finished full bath is accessible at the lake level and a fourth garage bay for watercraft, toys or utility vehicles and includes an immaculate workshop with built-in shelving. The main drive includes three garage bays and ample paved parking, ensuring convenience for both residents and guests. With its combination of thoughtful design, unmatched water access, endless views and comprehensive amenities this property delivers a lakefront lifestyle that's as effortless as it is extraordinary. Every detail has been designed to maximize lakefront living while still offering room to grow. Oak Cove Lakefront Living Home. No Place Like It.

Listing Agent

Linda Brock

Real Estate Partners Chattanooga LLC License #258780 Listed on: 08/29/2025

Real Estate Partners Chattanooga LLC

Co-Listing Agent

Lee Brock

Real Estate Partners Chattanooga LLC License #338596

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $8,686

Year Built

  • Built in 2005 | Remodeled

Lot Details

  • 0.59 Acre Lot
  • Lot Dimensions are 113.69x235.98
  • Lake Front
  • Home fronts navigable water
  • River Front
  • Property fronts a private road
  • Cul-De-Sac
  • Landscaped
  • Interior Lot
  • Level Lot
  • Cleared Lot
  • Many Trees

HOA Fees

  • $104 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Parking Available
  • Parking Accessed On Kitchen Level
  • Garage Door Opener
  • Driveway
  • Off-Street Parking
  • RV or Boat Parking

Property Views

  • River
  • Lake
  • Panoramic
  • Woods
  • Ridge
  • Hills

Home Design

  • Brick Exterior Construction
  • Shingle Roof
  • Asphalt Roof
  • Concrete Perimeter Foundation

Interior Spaces

  • 3-Story Property
  • Open Floorplan
  • Built-In Features
  • Woodwork
  • Crown Molding
  • Tray Ceiling
  • Cathedral Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • Chandelier
  • Gas Log Fireplace
  • Insulated Windows
  • Entrance Foyer
  • Great Room with Fireplace
  • 2 Fireplaces
  • Sitting Room
  • Living Room
  • Breakfast Room
  • Formal Dining Room
  • Den
  • Game Room with Fireplace
  • Recreation Room with Fireplace
  • Bonus Room
  • Utility Room in Garage
  • Storage
  • Fire and Smoke Detector
  • Partially Finished Basement

Kitchen

  • Eat-In Kitchen
  • Double Oven
  • Electric Cooktop
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Granite Countertops
  • Disposal

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • En-Suite Bathroom
  • Dual Closets
  • Walk-In Closet
  • Double Vanity
  • Soaking Tub
  • Bathtub with Shower
  • Separate Shower

Laundry

  • Laundry Room
  • Laundry on main level
  • Gas Dryer Hookup

Outdoor Features

  • River Access
  • Boat Slip
  • Stationary Dock
  • Lake On Lot
  • Deck
  • Covered Patio or Porch
  • Fire Pit
  • Rain Gutters

Schools

  • Soddy Elementary School
  • Soddy-Daisy Middle School
  • Soddy-Daisy High School

Utilities

  • Multiple cooling system units
  • Central Heating and Cooling System
  • Heating System Uses Natural Gas
  • Underground Utilities
  • Power Generator
  • Gas Available
  • Septic Tank
  • Phone Available
  • Cable TV Not Available

Listing and Financial Details

  • Assessor Parcel Number 050b A 007.01

Community Details

Overview

  • Association fees include ground maintenance, security
  • Oak Cove Shores Subdivision
  • On-Site Maintenance
  • Community Lake

Recreation

  • Boat Dock
  • Boating
  • Powered Boats Allowed
  • Fishing
  • Park

Additional Features

  • Picnic Area
  • Security
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$8,686

Year Built

Built in 2005 | Remodeled

Lot Details

0

HOA Fees

$104 per month

Parking

3

Listing Details

  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Lot Size Acres: 0.59
  • Lot Size: 113.69X235.98
  • Road Frontage Type: Private Road
  • Road Surface Type: Paved
  • Co List Office Mls Id: 10678
  • Co List Office Phone: 423-265-0088
  • Subdivision Name: Oak Cove Shores
  • Directions: Hwy 27 N, exit Hixson Pike turn Right, bear Left around lake, turn left on Armstrong, Right into Oak Cove Shores subdivision. Right on Oak Cove Lane. Ues these directions not those on your Navigation System
  • Above Grade Finished Sq Ft: 5341.0
  • Carport Y N: No
  • Garage Yn: Yes
  • Unit Levels: Three Or More
  • Living Area: 5458.0
  • New Construction: No
  • Structure Type: House
  • Year Built: 2005
  • Cooling:Electric: Yes
  • Appliances Microwave: Yes
  • Location Tax and Legal Parcel Number2: 050b A 007.01
  • Location Tax and Legal Elementary School: Soddy Elementary
  • Location Tax and Legal Middle Or Junior School2: Soddy-Daisy Middle
  • Location Tax and Legal High School: Soddy-Daisy High
  • Location Tax and Legal:Tax Annual Amount: 8686.37
  • Location Tax and Legal Additional Parcels YN: No
  • General Property Information:Bathrooms Half: 1
  • General Property Information Above Grade Finished Area: 5341.0
  • General Property Information Below Grade Finished Area: 117.0
  • General Property Information Enhanced Accessible2: No
  • General Property Information New Construction YN: No
  • General Property Information Home Warranty YN: No
  • General Property Information Grazing Permits BLM YN3: No
  • General Property Information Carport YN: No
  • General Property Information Lot Size Acres: 0.5949
  • General Property Information Lot Size Square Feet2: 25913.0
  • General Property Information Lot Size Dimensions: 113.69X235.98
  • General Property Information View YN2: Yes
  • General Property Information Waterfront YN: Yes
  • General Property Information Basement YN: Yes
  • General Property Information Fireplace YN: Yes
  • General Property Information Senior Community YN: No
  • Utilities Underground Utilities: Yes
  • Water Source:Public: Yes
  • Cooling:Central Air: Yes
  • Flooring:Carpet: Yes
  • Flooring:Hardwood: Yes
  • Flooring:Tile: Yes
  • Interior Features Tub Shower Combo: Yes
  • Laundry Features Electric Dryer Hookup: Yes
  • Laundry Features Gas Dryer Hookup: Yes
  • Roof:Shingle: Yes
  • Utilities Phone Available: Yes
  • Utilities:Electricity Connected: Yes
  • Utilities Water Connected: Yes
  • Property Condition:UpdatedRemodeled: Yes
  • Roof Asphalt5: Yes
  • Room Types Bedroom Level: Second
  • Room Types Bonus Room: Yes
  • Room Types Bonus Room Level: Second
  • Security Features:Smoke Detector(s): Yes
  • Room Types Living Room: Yes
  • Room Types Living Room Level: First
  • Room Types Primary Bathroom Level: First
  • Room Types Primary Bedroom Level: First
  • Cooling:Multi Units: Yes
  • Foundation Details Concrete Perimeter: Yes
  • Levels Three Or More: Yes
  • Laundry Features Laundry Room: Yes
  • Interior Features En Suite: Yes
  • Interior Features Separate Dining Room: Yes
  • Interior Features Separate Shower: Yes
  • Patio And Porch Features Porch - Covered: Yes
  • Interior Features Sitting Area: Yes
  • Laundry Features:Main Level: Yes
  • Room Types Dining Room: Yes
  • Room Types Dining Room Level: First
  • Room Types Laundry: Yes
  • Room Types Laundry Level: First
  • View:Water2: Yes
  • Room Types Den: Yes
  • Room Types Den Level: First
  • Parking Features Kitchen Level2: Yes
  • Room Types Other Room: Yes
  • Utilities:Natural Gas Connected: Yes
  • View TreesWoods: Yes
  • Structure Type:House: Yes
  • Road Frontage Type:Private Road: Yes
  • Other Equipment Generator: Yes
  • Laundry Features:Inside: Yes
  • Interior Features Breakfast Room: Yes
  • General Property Information Below Grade Unfinished Area: 3263.0
  • View:Ridge: Yes
  • Exterior Features Dock2: Yes
  • View:River: Yes
  • Association Amenities Gated3: Yes
  • Association Amenities Boat Dock2: Yes
  • Parking Features Utility Garage: Yes
  • View:Lake2: Yes
  • Other Structures RVBoat Storage: Yes
  • Association Amenities Boating: Yes
  • View Hills: Yes
  • Utilities:Cable Not Available: Yes
  • Lot Features Lake on Lot2: Yes
  • Special Features: None

Interior Features

  • Spa Features: None
  • Appliances: Stainless Steel Appliance(s), Microwave, Electric Cooktop, Double Oven, Disposal, Dishwasher
  • Other Equipment: Generator
  • Has Basement: Partially Finished, Unfinished
  • Basement YN: Yes
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Below Grade Sq Ft: 117.0
  • Fireplace Features: Gas Log, Gas Starter, Great Room, Recreation Room
  • Fireplaces: 2
  • Fireplace: Yes
  • Flooring: Carpet, Hardwood, Tile
  • Interior Amenities: Breakfast Room, Built-in Features, Cathedral Ceiling(s), Ceiling Fan(s), Chandelier, Crown Molding, Double Closets, Double Vanity, Eat-in Kitchen, En Suite, Entrance Foyer, Granite Counters, High Ceilings, Kitchen Island, Natural Woodwork, Open Floorplan, Pantry, Primary Downstairs, Recessed Lighting, Separate Dining Room, Separate Shower, Sitting Area, Soaking Tub, Storage, Tray Ceiling(s), Tub/shower Combo, Vaulted Ceiling(s), Walk-In Closet(s)
  • Window Features: Insulated Windows
  • Basement:Unfinished: Yes
  • Appliances Dishwasher: Yes
  • Appliances:Double Oven: Yes
  • Community Features:Dock: Yes
  • Interior Features:Eat-in Kitchen: Yes
  • Interior Features:Open Floorplan: Yes
  • Interior Features:Pantry: Yes
  • Fireplace Features:Fireplaces Total: 2
  • Interior Features:High Ceilings: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Appliances:Stainless Steel Appliance(s): Yes
  • Interior Features:Primary Downstairs: Yes
  • Fireplace Features:Gas Log: Yes
  • Interior Features:Built-in Features: Yes
  • Interior Features:Crown Molding: Yes
  • Interior Features:Double Vanity: Yes
  • Security Features:Gated Community: Yes
  • Interior Features:Cathedral Ceiling(s): Yes
  • Interior Features:Granite Counters: Yes
  • Fireplace Features:Great Room2: Yes
  • Interior Features:Soaking Tub: Yes
  • Fireplace Features:Gas Starter: Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Ceiling Fan(s)2: Yes
  • Interior Features:Chandelier: Yes
  • Interior Features:Storage2: Yes
  • Interior Features:Tray Ceiling(s): Yes
  • Interior Features:Kitchen Island: Yes
  • Community Features:Gated: Yes
  • Interior Features:Double Closets: Yes
  • Interior Features:Recessed Lighting: Yes
  • Interior Features:Vaulted Ceiling(s): Yes
  • Fireplace Features:Recreation Room: Yes
  • Community Features:Curbs: Yes
  • Interior Features:Natural Woodwork: Yes
  • Community Features:Fishing: Yes
  • Appliances:Electric Cooktop: Yes
  • Basement:Partially Finished: Yes
  • Community Features:Lake: Yes

Exterior Features

  • Fencing: None
  • Lot Features: Cleared, Cul-De-Sac, Gentle Sloping, Interior Lot, Landscaped, Level, Many Trees, Views, Waterfront
  • Pool Features: None
  • View: Hills, Lake, Panoramic, Ridge, River, Trees/Woods, Water
  • View: Yes
  • Waterfront Features: Lake, Lake Front, Navigable Water, River Access, River Front
  • Waterfront: Yes
  • Disclosures: Subdivision Restrictions, Other
  • Home Warranty: No
  • Construction Type: Brick
  • Exterior Features: Boat Slip, Dock, Dock - Stationary, Fire Pit, Rain Gutters
  • Foundation Details: Concrete Perimeter
  • Other Structures: RV/Boat Storage
  • Patio And Porch Features: Covered, Deck, Front Porch, Patio, Porch - Covered
  • Property Condition: Updated/Remodeled
  • Roof: Asphalt, Shingle
  • Exterior Features:Boat Slip: Yes
  • Exterior Features:Dock - Stationary: Yes
  • Construction Materials:Brick: Yes
  • Patio And Porch Features:Deck: Yes
  • Patio And Porch Features:Patio: Yes
  • Lot Features:Level: Yes
  • Lot Features:Gentle Sloping: Yes
  • Lot Features:Cleared: Yes
  • Lot Features:Cul-De-Sac: Yes
  • Patio And Porch Features:Covered: Yes
  • Window Features:Insulated Windows: Yes
  • Lot Features:Landscaped: Yes
  • Patio And Porch Features:Front Porch: Yes
  • Exterior Features:Rain Gutters: Yes
  • Waterfront Features:River Access: Yes
  • Lot Features:Many Trees: Yes
  • Lot Features:Views: Yes
  • Exterior Features:Fire Pit: Yes
  • View:Panoramic: Yes
  • Lot Features:Waterfront2: Yes
  • Waterfront Features:River Front: Yes
  • Waterfront Features:Lake3: Yes
  • Lot Features:Interior Lot: Yes
  • Waterfront Features:Lake Front: Yes
  • Waterfront Features:Navigable Water: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 3.0
  • Parking Features: Concrete, Driveway, Garage, Garage Door Opener, Kitchen Level, Off Street, Paved, Utility Garage
  • General Property Information:Garage YN: Yes
  • General Property Information:Attached Garage YN: Yes
  • General Property Information:Garage Spaces: 3.0
  • Parking Features:Driveway: Yes
  • Parking Features:Garage: Yes
  • Parking Features:Off Street: Yes
  • Parking Features:Garage Door Opener: Yes
  • Parking Features:Paved2: Yes
  • Parking Features:Concrete3: Yes

Utilities

  • Laundry Features: Electric Dryer Hookup, Gas Dryer Hookup, Inside, Laundry Room, Main Level
  • Security: Gated Community, Smoke Detector(s)
  • Cooling: Central Air, Electric, Multi Units
  • Cooling Y N: Yes
  • Heating: Central, Natural Gas
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Utilities: Cable Not Available, Electricity Connected, Natural Gas Connected, Phone Available, Water Connected, Underground Utilities
  • Water Source: Public
  • Heating:Central: Yes
  • Sewer Septic Tank: Yes
  • Heating:Natural Gas: Yes

Condo/Co-op/Association

  • Community Features: Curbs, Dock, Fishing, Gated, Lake
  • Senior Community: No
  • Amenities: Boat Dock, Boating, Gated, Park, Picnic Area, Powered Boats Allowed
  • Association Fee: 1250.0
  • Association Fee Frequency: Annually
  • Association: Yes

Association/Amenities

  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee: 1250.0
  • General Property Information:Association Fee Frequency: Annually
  • Association Fee Includes:Maintenance Grounds: Yes
  • Association Amenities:Park2: Yes
  • Association Amenities:Picnic Area: Yes
  • Association Fee Includes:Security: Yes
  • Association Amenities:Powered Boats Allowed: Yes

Fee Information

  • Association Fee Includes: Maintenance Grounds, Security

Schools

  • Elementary School: Soddy Elementary
  • High School: Soddy-Daisy High
  • Middle Or Junior School: Soddy-Daisy Middle

Lot Info

  • Lot Size Sq Ft: 25913.0
  • Additional Parcels: No
  • Parcel #: 050b A 007.01

Tax Info

  • Tax Annual Amount: 8686.37

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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
2024 $8,677 $387,850 $0 $0
2023 $8,686 $387,850 $0 $0
2022 $8,686 $387,850 $0 $0
2021 $8,686 $387,850 $0 $0
2020 $9,210 $332,725 $0 $0
2019 $9,210 $332,725 $0 $0
2018 $9,210 $332,725 $0 $0
2017 $9,210 $332,725 $0 $0
2016 $9,262 $0 $0 $0
2015 $9,262 $334,625 $0 $0
2014 $9,262 $0 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/29/2025 08/29/25 For Sale $1,995,000 +58.0% $366 / Sq Ft
10/28/2016 10/28/16 Sold $1,262,500 -8.2% $216 / Sq Ft
10/10/2016 10/10/16 Pending -- -- --
08/01/2016 08/01/16 For Sale $1,375,000 -- $235 / Sq Ft
Source: Greater Chattanooga REALTORS®

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed -- None Listed On Document
Deed -- --
Warranty Deed $1,262,500 Realty Title & Escrow Srvc
Warranty Deed $1,488,000 Century Title & Escrow Inc
Warranty Deed $1,275,000 Title Guaranty & Trust Co
Quit Claim Deed -- --
Warranty Deed $250,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $500,000 Adjustable Rate Mortgage/ARM
Previous Owner $966,000 No Value Available
Previous Owner -- No Value Available
Previous Owner $966,000 Commercial
Previous Owner $417,000 New Conventional
Previous Owner $828,750 Purchase Money Mortgage
Previous Owner $210,000 Credit Line Revolving
Previous Owner $400,000 Fannie Mae Freddie Mac
Previous Owner $660,000 Construction
Previous Owner $200,000 Construction
Source: Public Records

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Source: Greater Chattanooga REALTORS®

MLS Number: 1519610

Greater Chattanooga REALTORS®

APN: 050B-A-007.01