Emerald Bay Homes with FHA Financing available

Welcome to Emerald Bay, a picturesque subdivision nestled in the heart of Soddy Daisy, Tennessee, within the scenic Hamilton County. This charming community offers a unique blend of natural beauty and modern living, making it an ideal choice for families, retirees, and everyone in between. With its stunning views of the surrounding mountains and proximity to the tranquil waters of Chickamauga Lake, Emerald Bay presents a serene lifestyle that many only dream of.

The homes in Emerald Bay are designed with comfort and style in mind, featuring open floor plans, spacious backyards, and modern amenities that cater to today's discerning homeowners. Whether you’re seeking a cozy single-family home or a larger residence to accommodate your growing family, you’ll find a variety of options available in this delightful neighborhood.

One of the standout features of Emerald Bay is the accessibility of FHA financing, making homeownership more attainable for many buyers. This financing option opens doors for first-time homebuyers and those looking to invest in a property without the burdensome down payments often associated with traditional loans. With FHA financing available, you can explore the beautiful homes of Emerald Bay with confidence, knowing that your dream home is within reach.

In addition to its stunning properties, Emerald Bay is conveniently located near shopping, dining, and recreational opportunities. Residents enjoy easy access to parks, trails, and the shimmering waters of the lake, making it the perfect place to unwind and enjoy the great outdoors. Discover the charm of Emerald Bay today and experience the lifestyle you’ve always wanted in beautiful Soddy Daisy, TN!

Newest Emerald Bay Homes with FHA Financing available

$700,000

3 Beds ⋅ 4 Baths ⋅ 1543041 MLS

Completion scheduled for October! Senko Homes' Pinehurst home plan brings thoughtful, one-level living to this 1.13-acre home site in Emerald Bay, adjacent to the community clubhouse and pool. Measuring just under 3,000 square feet with 3 or 4 Bedrooms and 3.5 Baths, this home checks all the boxes! A rocking chair covered front porch opens to a formal entry foyer, situated beside a formal dining room with butler's pantry. The great room is anchored by a gas log fireplace and framed by a wall of windows with a patio door leading to the covered porch, offering picturesque views over the wooded backyard. The main level flows onto a 19' x 10' covered deck with a neighboring 12'6'' x 10' open deck, ideal for shaded relaxation or open-air entertaining. The kitchen centers around a work island and provides extensive cabinetry and countertop space, along with a butler's pantry and walk-in pantry (with Costco door) close by. Just off the owner's entry, a well-appointed laundry room, powder room, and drop zone sit near the primary suite. The private, main-level primary suite offers a spacious bath with walk-in closet, tiled shower, soaking tub, and dual-sink vanity, while two additional main-level bedrooms -- each with a walk-in closet -- share a Jack-and-Jill bath. With three bedrooms and two and a half baths all situated on the main level, the Pinehurst truly lives like a one-level home. Above the two-car, side-entry garage, an expansive bonus room (4th bedroom) with its own full bath provides a versatile fourth living space, ideal as a guest suite, media room, or private retreat, complete with walk-in attic storage. Construction quality matches the thoughtful design throughout: a brick and fiber cement exterior offers lasting durability and curb appeal, while the gently sloping lot provides a tall crawl space with added storage capacity. The side-entry, two-car garage includes a pedestrian door for everyday convenience. Together, the flow from covered porch to open main main level, private primary retreat, and versatile bonus space above the garage creates a home built as thoughtfully for how you live as for how you'll entertain and grow. This home is permitted for 3 bedrooms.

12750 Emerald Bay Drive, Soddy Daisy

$724,000

4 Beds ⋅ 4 Baths ⋅ 1543039 MLS

Senko Home's Agave home plan has been thoughtfully customized for this nearly one-acre home site in Emerald Bay. A covered front porch opens to an entry foyer that flows seamlessly into a combined great room, kitchen, and dining space -- anchored by a gas log fireplace and filled with natural light. The main level continues to flow outward to a 15' x 12' covered deck accessible from both the great room and the primary suite, while the kitchen connects effortlessly to a butler's pantry, walk-in pantry, and laundry room -- a layout built for hosting with ease. The private, main level primary suite offers a generous private bath with walk-in closet, tiled shower, relaxing tub, and double-sink vanity. While permitted for 4 bedrooms, the Agave also provides a spacious bonus/flex room and open loft ideal for a den or family room. The second level also contains two full baths, a second laundry room, and walk-out attic storage. Construction quality matches the thoughtful design throughout: a brick and fiber cement exterior offers lasting durability and curb appeal, while the gently sloping lot allows for a tall crawl space with added storage capacity. The side-entry, two-car garage includes a pedestrian door for everyday convenience, and an owner's entry with a mud bench keeps daily comings and goings organized. Together, the flow from covered porch to open main level, private primary retreat, and versatile upper-level living creates a home built as thoughtfully for how you live as for how you'll grow into it. Emerald Bay HOA dues are $500 per year and includes a community clubhouse and pool.

12658 Emerald Bay Drive, Soddy Daisy

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