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1043 Clift Cave Dr, Soddy Daisy, TN, 37379

3beds
3baths
2,450sqft
$915,000
$373price/sqft
$5,467/moest. monthly cost
$218,680/yrincome needed

About This Home

Welcome to 1043 Clift Cave Drive, where breathtaking waterfront views, resort-style amenities, and proven investment potential come together to create the ultimate lakefront retreat. Nestled along the shores of Chickamauga Lake in Soddy-Daisy, this beautifully maintained two-level home offers approximately 2,450 square feet of thoughtfully designed living space and is being sold fully furnished, making it a truly turnkey opportunity for both investors and those seeking a personal lakeside escape. Currently operating as a successful short-term rental with an active STR permit already in place, this property is ready to continue generating income from day one. Whether you're looking for an investment property, vacation home, or full-time residence, this exceptional home offers endless possibilities. Step inside and immediately feel welcomed by the bright, open floor plan designed to embrace the beauty of waterfront living. Natural light fills the living spaces while expansive windows frame picturesque lake views, creating a peaceful backdrop throughout the home. The spacious living area invites you to gather with family and friends after a day on the water, while the adjoining kitchen and dining spaces provide the perfect setting for entertaining. The home features three true bedrooms and three full bathrooms, offering comfortable accommodations for family and guests. Downstairs, a versatile flex space currently functions as an additional sleeping area complete with two sets of bunk beds, making it ideal as a bunk room, game room, home office, or additional guest retreat. Outside is where this property truly shines. Imagine spending your days relaxing beside the in-ground pool featuring a new pool liner, hosting summer cookouts on the expansive outdoor living spaces, or soaking in the panoramic views of Chickamauga Lake. Boating enthusiasts will appreciate the covered dock complete with a boat lift, providing easy access to endless days of fishing, watersports, and sunset cruises on one of East Tennessee's most beloved lakes. As evening falls, gather around with loved ones as the sun sets across the water, creating the kind of memories that last a lifetime. Located just a short drive from Chattanooga while offering the tranquility of lakeside living, 1043 Clift Cave Drive is more than just a home--it's a lifestyle. Whether you're seeking a fully furnished investment opportunity with an established rental history or a private waterfront getaway to call your own, this exceptional property offers the very best of Tennessee lake living.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

6/10
Soddy Elementary SchoolGrades PK-51.8 mi
5/10
7/10
Soddy Daisy High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Asphalt,Shingle
  • Construction materials: Other,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Electric Water Heater,Free-Standing Gas Range,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Basement

Bedroom

  • Level: First

Bedroom

  • Level: Basement

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Double Vanity,Granite Counters,Open Floorplan,Primary Downstairs,Separate Shower,Tub/shower Combo,Connected Shared Bathroom
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Den,Family Room,Gas Starter,Gas Log,Great Room,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 2,450

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,450
  • Total interior livable area: 2,450 sqft

Laundry

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 049j A 027

Features

  • Levels: Two
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio,Porch
  • Exterior features: Dock - Floating,Dock - Stationary
  • Fencing: Fenced
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front,River Access

Lot

  • Lot size: 0.52 Acres
  • Features: Gentle Sloping,Lake on Lot,Other,Sprinklers In Front,Sprinklers In Rear,Sloped,Split Possible,Wooded
  • Lot size dimensions: 81 x 270

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,626$55,512
Home Insurance $170$2,040
Property Taxes $472$5,664
Electricity $199$2,388
Total$5,467$65,604

Income You'd Need if You Spent...

35% on housing$187,440/yr
40% on housing$164,010/yr
45% on housing$145,786/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 37379$180
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37379
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-28Price change$915,000
2026-06-11Listed for sale$925,000
2017-09-14Sold$430,000
2017-08-02Price change$470,000
2017-07-18Pending sale$499,900
2017-03-22Listed for sale$499,900
2016-12-14Listing removed$519,000
2016-08-25Listed for sale$519,000
2015-11-11Sold$285,000
2015-06-30Listed for sale$325,000
2014-12-19Listing removed$325,000
2014-08-30Listed for sale$325,000
2011-11-30Listing removed$350,000
2011-06-11Price change$350,000
2011-04-01Price change$385,600
2010-04-29Price change$414,900
2009-08-12Price change$423,900
2009-06-14Listed for sale$449,900
2003-09-17Sold$219,000

For Sale by Agent

AgentRachel C Bruner
BrokerageKeller Williams Realty

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