Emerald Bay Homes with FHA Financing available

Welcome to Emerald Bay, a picturesque subdivision nestled in the charming city of Soddy Daisy, Tennessee, within Hamilton County. This idyllic community is a hidden gem, offering a serene lifestyle while being just a stone’s throw away from the vibrant amenities of Chattanooga. Emerald Bay is renowned for its stunning natural surroundings, featuring lush landscapes and breathtaking views of the nearby mountains, making it the perfect retreat for nature lovers and outdoor enthusiasts alike.

The homes in Emerald Bay are designed with both comfort and style in mind. Each residence boasts modern architecture, spacious floor plans, and high-quality finishes, ensuring that you find the perfect space to call home. With a variety of options available, from cozy single-family homes to more expansive properties, there’s something here for everyone, whether you’re a first-time buyer or looking to settle down.

One of the standout features of Emerald Bay is the availability of FHA financing for qualified buyers. This means that your dream home is more accessible than ever! With lower down payment requirements and flexible credit guidelines, FHA loans can help you navigate the home-buying process with ease.

In addition to its beautiful homes and financing options, Emerald Bay offers a strong sense of community, with friendly neighbors and an array of local events that foster connections. Enjoy leisurely strolls around the neighborhood, or take advantage of nearby parks and recreational areas for family outings and weekend adventures.

Discover the charm of Emerald Bay, where your dream home awaits in a community that truly feels like home.

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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