676 Marina Cottage Dr, Memphis, TN, 38103
About This Home
Experience the best of Harbor Town living! Overlooking the harbor with views of the marina, Bass Pro Pyramid and downtown skyline, this beautifully updated home offers the perfect blend of peaceful neighborhood charm and the energy of downtown living. Enjoy hardwood floors throughout, granite countertops, new kitchen appliances, two new HVAC systems and a new roof. Relax on the screened balcony, then stroll to Harbor Town Square for restaurants, coffee, neighborhood grocery shopping and the Mississippi River Greenbelt. Just minutes from downtown entertainment, sporting events and nightlife, yet tucked away in one of Memphis' most walkable communities. Whether you're looking for a primary residence, second home or an easy lock-and-leave lifestyle, this Harbor Town gem offers a rare opportunity to enjoy waterfront living with the convenience of downtown just across the bridge. (Priced below the property's most recent appraised value!)
Getting Around
Somewhat Walkable
Good Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Foundation: Slab
- Roof: Composition Shingles
- Construction materials: Aluminum/Steel Siding,Wood/Composition
Type & Style
- Home type: SingleFamily
- Architectural style: Soft Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater,Dishwasher,Disposal,Dryer,Gas Cooktop,Microwave,Range/Oven,Washer
- Laundry features: Laundry Room,Laundry Closet
Bedroom2
- Area: 144
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Area: 120
Features
- All Bedrooms Up,Double Vanity Bath,Luxury Primary Bath,Split Bedroom Plan,Vaulted/Coffered Primary,High Ceilings,Smooth Ceiling,Vaulted/Coff/Tray Ceiling,Cable Wired,Walk-In Closet(s),1/2 Bath,Dining Room,Kitchen,Living Room,2 or More Baths,2nd Bedroom,Bonus Room,Primary Bedroom,Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)
- Window features: Aluminum Frames,Double Pane Windows
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Gas Starter,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,817 sqft
Kitchen
- Features: Breakfast Bar,Eat-in Kitchen,Pantry,Updated/Renovated Kitchen
- Area: 108
Living Room
- Features: Great Room
- Area: 342
Master Bedroom
- Area: 154
Property
Details
- Parcel number: 001001 00080
Features
- Stories: 2
- Pool features: None
- Patio & porch: Screen Porch
- On waterfront: Yes
- Waterfront features: Waterfront
Lot
- Lot size: 2,613 sqft
- Lot size dimensions: 21.71 x 95.79
Parking
- Total spaces: 1
- Parking features: Garage Faces Front,Storage
- Has garage: Yes
- Covered spaces: 1
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
- Cold Wave
- Earthquake
- Heat Wave
- Inland Flooding
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Tennessee Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,971 | $23,652 |
| Home Insurance | $276 | $3,312 |
| Property Taxes | $315 | $3,780 |
| Electricity | $175 | $2,103 |
| Total | $2,737 | $32,844 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-28 | Listed for sale | $389,900 |
| 2026-07-21 | Listing removed | $365,000 |
| 2026-07-10 | Price change | $365,000 |
| 2026-06-09 | Price change | $375,000 |
| 2026-05-20 | Price change | $385,000 |
| 2026-05-07 | Listed for sale | $390,000 |
| 2025-10-20 | Listing removed | $410,000 |
| 2025-08-22 | Price change | $410,000 |
| 2025-08-07 | Price change | $420,000 |
| 2025-07-13 | Price change | $428,900 |
| 2025-04-24 | Price change | $429,900 |
| 2025-04-06 | Listed for sale | $436,000 |
| 2025-03-30 | Pending sale | $436,000 |
| 2025-03-12 | Listed for sale | $436,000 |
| 2023-11-14 | Sold | $395,000 |
| 2023-10-30 | Contingent | $445,000 |
| 2023-10-13 | Listed for sale | $445,000 |
| 2023-09-25 | Listing removed | -- |
| 2023-06-14 | Listed for sale | $445,000 |
| 2004-05-27 | Sold | $307,500 |
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