NOT LISTED FOR SALE

5104 Waterstone Dr Chattanooga, TN 37416

Murray Hills Neighborhood

Estimated Value: $415,000 - $489,000

3 Beds
3 Baths
2,578 Sq Ft
$179/Sq Ft Est. Value

Sale Details

Date Sold: December 31, 2024

Last sale price $460,000 $178 Per Sq Ft

Current estimated payment $2,691 / mo

Highlights

  • Open Floorplan
  • Wood Flooring
  • Bonus Room
  • Deck
  • Main Floor Primary Bedroom
  • High Ceiling

About This Home

As of December 2024

Welcome to this charming 3-bedroom, 3-bathroom home in Chattanooga, TN. This thoughtfully designed property combines comfort and convenience, offering spacious rooms and modern finishes throughout. The open-concept living area features high ceilings and flows seamlessly into the kitchen, which is equipped with granite countertops and plenty of cabinet space—perfect for both everyday living and entertaining.

The master suite serves as a private retreat, complete with an en-suite bathroom featuring a soaking tub, separate shower, and dual vanities. Each of the additional bedrooms is generously sized, offering flexibility for family, guests, or a home office. Outside, the low-maintenance backyard provides a peaceful space for relaxation or outdoor gatherings. The home's central location offers the best of both privacy and accessibility to the vibrant Chattanooga community.

This home provides an ideal living space for a growing family or anyone seeking a tranquil retreat in a prime location.

Last Agent to Sell the Property

Sarah Ketterer

Keller Williams Realty License #328768 Listed on: 01/03/2025

Keller Williams Realty

Last Buyer's Agent

Sarah Ketterer

Keller Williams Realty License #328768 Listed on: 01/03/2025

Keller Williams Realty

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,394

Year Built

  • Built in 2019

Lot Details

  • 6,534 Sq Ft Lot
  • Lot Dimensions are 60x125x60x100
  • Gentle Sloping Lot
  • May Be Possible The Lot Can Be Split Into 2+ Parcels

HOA Fees

  • $13 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener

Home Design

  • Slab Foundation
  • Shingle Roof
  • Wood Siding
  • Vinyl Siding

Interior Spaces

  • 2,578 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • High Ceiling
  • Gas Log Fireplace
  • Vinyl Clad Windows
  • Insulated Windows
  • Living Room with Fireplace
  • Bonus Room
  • Walk-In Attic
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Free-Standing Gas Range
  • Microwave
  • Dishwasher
  • Granite Countertops

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main
  • Walk-In Closet
  • 3 Full Bathrooms
  • Double Vanity
  • Soaking Tub
  • Bathtub with Shower
  • Separate Shower

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Outdoor Features

  • Deck
  • Patio
  • Rain Gutters
  • Porch

Schools

  • Harrison Elementary School
  • Brown Middle School
  • Central High School

Utilities

  • Multiple cooling system units
  • Central Heating
  • Heating System Uses Natural Gas
  • Underground Utilities
  • Cable TV Available

Community Details

  • Waterstone Subdivision

Listing and Financial Details

  • Assessor Parcel Number 120j K 011

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,394

Year Built

Built in 2019

Lot Details

6,534 Sq Ft Lot

HOA Fees

$13 per month

Parking

2

Listing Details

  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Lot Size Acres: 0.15
  • Lot Size: 60X125X60X100
  • Inclusions: Washer and dryer stay and have a 3 year warranty, Invisible dog fence around perimeter of yard, and service plan to maintain and treat shrubs and landscaping.
  • Subdivision Name: Waterstone
  • Directions: Get on I-24 East, Take exit 185B and merge with I-75 North, Take exit 4 to 153 North, Take exit 5A to 58 North, Turn left onto Webb Rd, Turn right to stay on Webb Rd, Turn right onto Waterstone Dr, Property will be the last house on the right.
  • Above Grade Finished Sq Ft: 2578.0
  • Carport Y N: No
  • Garage Yn: Yes
  • Living Area: 2578.0
  • New Construction: No
  • Building Stories: 2
  • Structure Type: Free Standing Building
  • Year Built: 2019
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Location Tax and Legal Parcel Number2: 120j K 011
  • Location Tax and Legal Elementary School: Harrison Elementary
  • Location Tax and Legal Middle Or Junior School2: Brown Middle
  • Location Tax and Legal High School: Central High School
  • Location Tax and Legal:Tax Annual Amount: 3393.52
  • Location Tax and Legal Additional Parcels YN: No
  • General Property Information Above Grade Finished Area: 2578.0
  • 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: 0.15
  • General Property Information Lot Size Square Feet2: 6534.0
  • General Property Information Lot Size Dimensions: 60X125X60X100
  • General Property Information View YN2: No
  • General Property Information Waterfront YN: No
  • General Property Information Basement YN: No
  • General Property Information Fireplace YN: Yes
  • General Property Information Senior Community YN: No
  • Remarks and Miscellaneous Public Remarks2: Welcome to this charming 3-bedroom, 3-bathroom home in Chattanooga, TN. This thoughtfully designed property combines comfort and convenience, offering spacious rooms and modern finishes throughout. The open-concept living area features high ceilings and flows seamlessly into the kitchen, which is equipped with granite countertops and plenty of cabinet space—perfect for both everyday living and entertaining. The master suite serves as a private retreat, complete with an en-suite bathroom featuring a soaking tub, separate shower, and dual vanities. Each of the additional bedrooms is generously sized, offering flexibility for family, guests, or a home office. Outside, the low-maintenance backyard provides a peaceful space for relaxation or outdoor gatherings. The home's central location offers the best of both privacy and accessibility to the vibrant Chattanooga community. This home provides an ideal living space for a growing family or anyone seeking a tranquil retreat in a prime location.
  • Utilities:Cable Available: Yes
  • Utilities:Electricity Available: Yes
  • Utilities Sewer Connected: Yes
  • Utilities Underground Utilities: Yes
  • Water Source:Public: Yes
  • Foundation Details Slab: Yes
  • Flooring:Carpet: Yes
  • Flooring:Hardwood: Yes
  • Flooring:Tile: Yes
  • Interior Features Tub Shower Combo: Yes
  • Laundry Features Electric Dryer Hookup: Yes
  • Laundry Features Washer Hookup: Yes
  • Roof:Shingle: Yes
  • Sewer:Public Sewer: 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
  • Appliances Dryer: Yes
  • Washers: Yes
  • Room Types Primary Bedroom Level: First
  • Cooling:Multi Units: Yes
  • Laundry Features Laundry Room: Yes
  • Interior Features Separate Shower: Yes
  • General Property Information Stories2: 2
  • Room Types Laundry: Yes
  • Room Types Laundry Level: First
  • Room Types Other Room: Yes
  • Special Features: None
  • Stories: 2

Interior Features

  • Appliances: Washer, Refrigerator, Microwave, Free-Standing Gas Range, Dryer, Dishwasher
  • Basement YN: No
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Fireplace Features: Gas Log, Living Room
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Carpet, Hardwood, Tile
  • Interior Amenities: Double Vanity, Eat-in Kitchen, Granite Counters, High Ceilings, Open Floorplan, Primary Downstairs, Separate Shower, Soaking Tub, Tub/shower Combo, Walk-In Closet(s)
  • Window Features: Insulated Windows, Vinyl Frames
  • Appliances Dishwasher: Yes
  • Community Features:Sidewalks: Yes
  • Interior Features:Eat-in Kitchen: Yes
  • Interior Features:Open Floorplan: Yes
  • Appliances:Free-Standing Gas Range: Yes
  • Attic Features:Walk-In Attic: Yes
  • Fireplace Features:Fireplaces Total: 1
  • Interior Features:High Ceilings: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Interior Features:Primary Downstairs: Yes
  • Fireplace Features:Gas Log: Yes
  • Fireplace Features:Living Room2: Yes
  • Interior Features:Double Vanity: Yes
  • Interior Features:Granite Counters: Yes
  • Interior Features:Soaking Tub: Yes
  • Community Features:Street Lights: Yes

Exterior Features

  • Lot Features: Gentle Sloping, Split Possible
  • View: No
  • Waterfront: No
  • Home Warranty: No
  • Construction Type: Fiber Cement, Vinyl Siding
  • Exterior Features: Rain Gutters
  • Foundation Details: Slab
  • Patio And Porch Features: Deck, Patio, Porch
  • Roof: Shingle
  • Construction Materials:Vinyl Siding: Yes
  • Patio And Porch Features:Deck: Yes
  • Patio And Porch Features:Patio: Yes
  • Patio and Porch Features:Porch: Yes
  • Window Features:Vinyl Frames: Yes
  • Construction Materials:Fiber Cement: Yes
  • Lot Features:Gentle Sloping: Yes
  • Lot Features:Split Possible: Yes
  • Window Features:Insulated Windows: Yes
  • Exterior Features:Rain Gutters: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Garage Door Opener
  • General Property Information:Garage YN: Yes
  • General Property Information:Attached Garage YN: Yes
  • General Property Information:Garage Spaces: 2.0
  • Parking Features:Garage Door Opener: Yes

Utilities

  • Laundry Features: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Security: Smoke Detector(s)
  • Cooling: Multi Units
  • Cooling Y N: Yes
  • Heating: Central, Natural Gas
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Cable Available, Electricity Available, Sewer Connected, Underground Utilities
  • Water Source: Public
  • Heating:Central: Yes
  • Heating:Natural Gas: Yes

Condo/Co-op/Association

  • Community Features: Sidewalks, Street Lights
  • Senior Community: No
  • Association Fee: 150.0
  • Association Fee Frequency: Annually
  • Association: Yes

Association/Amenities

  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee: 150.0
  • General Property Information:Association Fee Frequency: Annually

Schools

  • Elementary School: Harrison Elementary
  • High School: Central High School
  • Middle Or Junior School: Brown Middle

Lot Info

  • Lot Size Sq Ft: 6534.0
  • Additional Parcels: No
  • Parcel #: 120j K 011
  • ResoLotSizeUnits: Acres

Tax Info

  • Tax Annual Amount: 3393.52

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 3, 2025
Closed on
Dec 17, 2024
Sold by
Bought by
Seller's Agent
Sarah Ketterer
Keller Williams Realty
Buyer's Agent
Sarah Ketterer
Keller Williams Realty
List Price
$450,000
Sold Price
$460,000
Premium/Discount to List
$10,000
2.22%
Current Estimated Value
$461,720

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,720
Avg. Annual Appreciation
0.23%
Original Mortgage
$300,000
Outstanding Balance
$295,158
Interest Rate
6.79%
Mortgage Type
New Conventional
Estimated Equity
$166,562

Purchase Details

Listed on
May 11, 2019
Closed on
Aug 27, 2019
Sold by
Bought by
Seller's Agent
Kelly Jooma
Berkshire Hathaway HomeServices J Douglas Properties
Buyer's Agent
Nancy McCarty
Better Homes and Gardens Real Estate Signature Brokers
List Price
$299,999
Sold Price
$308,000
Premium/Discount to List
$8,001
2.67%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.79%
Original Mortgage
$302,421
Interest Rate
3.12%
Mortgage Type
FHA

Purchase Details

Closed on
Sep 25, 2018
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$240,000
Interest Rate
4.5%
Mortgage Type
Construction

Purchase Details

Closed on
Sep 27, 2017
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$78,750
Interest Rate
3.89%
Mortgage Type
Commercial
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Agents Specializing in Murray Hills, TN

  • Amy McDaniel Real Estate Agent - Equity Texas Real Estate, LLC

    Amy McDaniel

    Equity Texas Real Estate, LLC

    (832) 353-2304

    80 Total Sales

    1 in Murray Hills

    $530,000 Price

    Amy McDaniel
     Section Image
  • Dennis Opp Real Estate Agent - EXIT Provision Realty

    Dennis Opp

    EXIT Provision Realty

    (423) 425-9388

    129 Total Sales

    9 in Murray Hills

    $204K - $439K Price Range

    Dennis Opp
     Section Image
  • Jake Kellerhals Real Estate Agent - Greater Downtown Realty dba Keller Williams Realty

    Jake Kellerhals

    Greater Downtown Realty dba Keller Williams Realty

    (762) 760-2407

    1,641 Total Sales

    13 in Murray Hills

    $68K - $875K Price Range

    Jake Kellerhals
     Section Image
  • Diane Patty Real Estate Agent - Greater Downtown Realty dba Keller Williams Realty

    Diane Patty

    Responds Quickly

    Greater Downtown Realty dba Keller Williams Realty

    (706) 944-8917

    330 Total Sales

    4 in Murray Hills

    $440K - $450K Price Range

    Diane Patty
     Section Image
  • Connie Moore Real Estate Agent - Keller Williams Realty

    Connie Moore

    Responds Quickly

    Keller Williams Realty

    (706) 944-8294

    185 Total Sales

    4 in Murray Hills

    $279K - $670K Price Range

    Connie Moore
     Section Image
  • Desiree Tombul Real Estate Agent - Real Estate Partners Chattanooga, LLC

    Desiree Tombul

    Responds Quickly

    Real Estate Partners Chattanooga, LLC

    (706) 944-8766

    223 Total Sales

    7 in Murray Hills

    $333K - $440K Price Range

    Desiree Tombul
     Section Image
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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$460,000 Bridge City Title
$308,000 Title Insurance Company Inc
$50,000 Warranty Title Ins Co Inc
$105,000 Warranty Title Ins Co Inc
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $300,000
Previous Owner $329,000
Previous Owner $302,421
Previous Owner $240,000
Previous Owner $78,750
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
01/03/2025 01/03/25 For Sale $450,000 -2.2% $175 / Sq Ft
12/31/2024 12/31/24 Sold $460,000 +49.4% $178 / Sq Ft
08/27/2019 08/27/19 Sold $308,000 +2.7% $154 / Sq Ft View Prior Sale
07/21/2019 07/21/19 Pending -- -- --
05/11/2019 05/11/19 For Sale $299,999 -- $150 / Sq Ft
Source: Greater Chattanooga REALTORS®

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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 $1,741 $114,875 $0 $0
2024 $1,692 $75,625 $0 $0
2023 $1,692 $75,625 $0 $0
2022 $1,692 $75,625 $0 $0
2021 $1,692 $75,625 $0 $0
2020 $1,996 $33,825 $0 $0
2019 $935 $33,825 $0 $0
2018 $285 $12,500 $0 $0
2017 $346 $12,500 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Sarah Ketterer Real Estate Agent - Keller Williams Realty

    Seller's Agent in 2025

    Sarah Ketterer

    Keller Williams Realty

    (423) 400-0014

    1 in this area

    357 Total Sales

    Sarah Ketterer
    Section Image

  • KJ

    Seller's Agent in 2019

    Kelly Jooma

    Berkshire Hathaway HomeServices J Douglas Properties

  • Nancy McCarty Real Estate Agent - Better Homes and Gardens Real Estate Signature Brokers

    Buyer's Agent in 2019

    Nancy McCarty

    Better Homes and Gardens Real Estate Signature Brokers

    (323) 314-3535

    36 Total Sales

    Nancy McCarty
    Section Image
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Map

Source: Greater Chattanooga REALTORS®

MLS Number: 1505186

Greater Chattanooga REALTORS®

APN: 120J-K-011

Tennessee Hamilton County Chattanooga 37416 Murray Hills

5104 Waterstone Dr, Chattanooga, TN

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Greater Chattanooga REALTORS® IDX information is provided exclusively for consumers’ personal, noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Data is deemed reliable but is not guaranteed accurate by the MLS.

Ten-X does not display the entire MLS of Chattanooga, Inc. database on this website. The listings of some real estate brokerage firms have been excluded. Some or all of the listings displayed may not belong to the firm whose website is being visited

Copyright© 2026 by Chattanooga Association of REALTORS®

Listing Information presented by local MLS brokerage: Ten-X, LLC dba Homes.com, local broker - Arlene Richardson - 888-952-6393 - 17600 Laguna Canyon Rd, Irvine, CA 92618.

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