$139,900

3957 E Highway 42 None, KY 41095

Estimated payment $886/month

2 Beds
1 Bath
600 Sq Ft
$233 Price per Sq Ft

Highlights

  • Docks
  • Mature Trees
  • Creek On Lot
  • River View
  • Deck
  • Loft

About This Home

WELCOME TO 3957 HIGHWAY 42 EAST IN WARSAW! Tucked along Little Sugar Creek with access to the Ohio River in Gallatin County, Kentucky, this cozy little cottage on 0.8± acres is set up perfectly for long summer weekends—or full-time river life if that’s your thing. If you’re in the Cincinnati or Northern Kentucky area and love being on the water, this one’s worth a look. Tired of hauling your boat or jet skis back and forth every weekend? This place solves that. Leave your gear here, show up, and get straight to enjoying the water. A private dock on the creek makes for easy access, along with a public boat ramp just down the road for launching. Included is an extra lot with plenty of space for boats, trailers, or weekend games like cornhole and volleyball. The cottage offers two bedrooms and can comfortably sleep four to five (depending on how good of friends you are), as well as a freshly updated shower, AC to cool off after a hot day, and everything you need to relax. Just stock the fridge, fire up the grill, and you’re set. There’s also a patio and second-story deck for hanging out in the evenings. This could be your personal summer spot—or turn it into a short-term rental and let it help pay for itself when you’re not using it. Enjoy that hard-to-find mix of water access and privacy. If you’ve been thinking about having your own place on the water, this is a solid, affordable way to make it happen.

Listing Agent

Jon Toelke

Smalltown Hunting Properties & Real Estate License #302524 Listed on: 05/13/2026

Home Details

Home Type

  • Single Family

Year Built

  • Built in 1990

Lot Details

  • 34,848 Sq Ft Lot
  • River Front
  • Property fronts a highway
  • Mature Trees
  • Garden

Home Design

  • Brick Veneer
  • Pillar, Post or Pier Foundation
  • Block Foundation
  • Shingle Roof

Interior Spaces

  • 600 Sq Ft Home
  • 2-Story Property
  • Ceiling Fan
  • Vinyl Clad Windows
  • Blinds
  • No Dining Room
  • Loft
  • No Floor Coverings
  • River Views

Kitchen

  • Oven or Range
  • Electric Range
  • Microwave
  • No Kitchen Appliances

Bedrooms and Bathrooms

  • 2 Bedrooms
  • 1 Full Bathroom
  • Separate Shower

Parking

  • Gravel Driveway
  • Dirt Driveway

Outdoor Features

  • Docks
  • Creek On Lot
  • Stream or River on Lot
  • Balcony
  • Deck
  • Covered Patio or Porch
  • Exterior Lighting

Schools

  • Gallatin Upper Elementary School
  • Gallatin Middle School
  • Gallatin County High School

Utilities

  • Ductless Heating Or Cooling System
  • Heating Available
  • Water Available
  • Septic System
  • Cable TV Available

Community Details

  • Recreational Area

Listing and Financial Details

  • Assessor Parcel Number 28-SBC-04.03

Home Details

Home Type

Single Family

Year Built

Built in 1990

Lot Details

0.8 Acres

Listing Details

  • Class: Residential/Farm
  • Type: Single Family
  • Style Of Home: 2 Story
  • Estimated Above Ground Sq Ft: 600
  • Estimated Year Built: 1990
  • Disability Access: None
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2
  • Year Built: 1990

Interior Features

  • Interior Amenities: Ceiling Fan(s)
  • Fireplace Woodstove: None
  • Walls: Dry Wall
  • Appliances Equipment: None
  • Floors: None
  • Windows Treatments: Blinds
  • Below Grade Bedrooms YN: No
  • Total Bedrooms: 2
  • Master Bedroom Level: Loft
  • Bedroom 2 Level: Loft
  • Bathroom: Separate Shower
  • Number of Full Bathrooms in the Basement: 0
  • Number of Lower Level Full Bathrooms: 0
  • Number of Main Level Full Bathrooms: 1
  • Total Bathrooms: 1
  • Number Partial Bathrooms in the basement: 0
  • Number of Lower Level Partial Bathrooms: 0
  • Number of Main Level Partial Bathrooms: 0
  • Master Bath Room Level: Main
  • Full Bathrooms: 1
  • Utility Room Bsmt: 0
  • Lower Level Utility Room: 0
  • Upper Level Utility Room: 0
  • Has Basement: None
  • Basement YN: No
  • Dining Rooms: None
  • Kitchen: Microwave, Pantry, Range/Oven, Range Electric, Refrigerator
  • Other Rooms: None
  • Total Fin Living Sapce: 600

Exterior Features

  • Construction: Veneer
  • Roofing: Shingles
  • ExteriorFeatures: Balcony, Covered Patio, Deck, Garden Area, Mature Trees, Outdoor Lighting, Porch
  • Fence: None
  • Foundation: Block, Pier/Pillar
  • Lake Location: Ohio River
  • Lake Property Features: Dock, River Front, River View, Water Front, Water View
  • Water Features: Creek, River, Year Round

Garage/Parking

  • Garage Carport: None
  • Garage Carport: No

Utilities

  • Water: In-Not Connected, Water Available, None
  • Water Heater: Other-See Remarks
  • Air Conditioner: Ductless Splits
  • Heating: Ductless Splits
  • Sewer: Septic System
  • Utility: Cable Available

Fee Information

  • Association Fee Includes: None
  • Fees: None

Lot Info

  • Estimated Lot Size: 0.8
  • Lot Dimensions: .80
  • Parcel Id Tax Id: 28-SBC-04.03

MLS Schools

  • Elementary School: Gallatin Upper
  • Middle School: Gallatin
  • High School: Gallatin County

Map

Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Property History

Date Event Price List to Sale Price per Sq Ft
05/13/2026 05/13/26 For Sale $139,900 -- $233 / Sq Ft
Source: Real Estate Information Services (REALTOR® Association of Southern Kentucky)

Source: Real Estate Information Services (REALTOR® Association of Southern Kentucky)

MLS Number: RA20262828

Real Estate Information Services (REALTOR® Association of Southern Kentucky)
Your Personal Tour Guide

Ask me questions while you tour the home.