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For sale
    • $139,900

    3957 E High St #42, Warsaw, KY 41095

    2beds
    600sqft
    : 
    $958/mo
    Get pre-qualified
    Single Family Residence
    Built in 1990
    0.8 Acres Lot
    $-- Zestimate®
    $233/sqft
    $-- HOA

    What's special

    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.
    75 days
    |
    799
    |
    41
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Jon Toelke 859-321-5438,

    Smalltown Hunting Properties & Real Estate

    Source: RASK,MLS#: RA20262828MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      • Full bathrooms: 1
      • Main level bathrooms: 1
      Primary bedroom
      • Level: Loft
      Bedroom 2
      • Level: Loft
      Primary bathroom
      • Level: Main
      Bathroom
      • Features: Separate Shower
      Kitchen
      • Features: Pantry
      Heating
      • Ductless, Electric
      Cooling
      • Ductless
      Appliances
      • Included: Microwave, Range/Oven, Electric Range, Refrigerator, Water Heater (See Remarks)
      • Laundry: None
      Features
      • Ceiling Fan(s), Walls (Dry Wall)
      • Flooring: None
      • Windows: Vinyl Frame, Blinds
      • Basement: None
      • Has fireplace: No
      • Fireplace features: None
      Interior area
      • Total structure area: 600
      • Total interior livable area: 600 sqft

      Property

      Parking
      • Parking features: None
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Two
      • Patio & porch: Covered Patio, Deck, Porch
      • Exterior features: Balcony, Garden, Mature Trees, Outdoor Lighting
      • Fencing: None
      • Has view: Yes
      • View description: River, Water
      • Has water view: Yes
      • Water view: River,Water
      • Waterfront features: Dock, River Front, Waterfront, Creek, River, Year Round
      • Body of water: Ohio River
      Lot
      • Size: 0.8 Acres
      • Features: Trees, Recreational Area
      Details
      • Parcel number: 28SBC04.03

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Veneer
      • Foundation: Block, Pillar/Post/Pier
      • Roof: Shingle
      Condition
      • Year built: 1990

      Utilities & green energy

      • Sewer: Septic System
      • Water: In-Not Connected, None
      • Utilities for property: Cable Available

      Community & HOA

      Community
      • Subdivision: None
      HOA
      • Amenities included: None
      Location
      • Region: Warsaw

      Financial & listing details

      • Price per square foot: $233/sqft
      • Price range: $139.9K - $139.9K
      • Date on market: 5/13/2026

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $1,132/mo

        Price history

        DateEventPrice
        7/5/2026Listed for sale$139,900$233/sqft
        Source: RASK #RA20262828 Report a problem
        5/26/2026Pending sale$139,900$233/sqft
        Source: RASK #RA20262828 Report a problem
        5/14/2026Listed for sale$139,900$233/sqft
        Source: RASK #RA20262828 Report a problem

        Public tax history

        Tax history is unavailable.

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 41095

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Gallatin Upper
        • Middle: Gallatin
        • High: Gallatin County

        Source: RASK. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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