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 0.8A± 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.
Contact today to schedule a private showing and make 3957 Highway 42 East your new address.
Location:
3957 Highway 42 East
Warsaw, KY 41095
Situated on the Little Sugar Creek (Ohio River Tributary)
Gallatin County
22A± Miles SW of Florence
34A± Miles SW of Cincinnati, OH
Coordinates:
38.7879, -84.80445
Property Use:
Residential
Recreational
Summer Cottage
Potential Rental Income
Property Information:
0.8A± Total Acres
0.5A± Acres of Vacant Ground
2 Bedroom Cottage
Remodeled Bathroom
Newer Flooring & Kitchen
Patio & Deck
Fresh Paint
Little Sugar Creek Frontage
Electricity & Septic On-Site
Water Available At the Road
Driveway
Boat Dock
Tax Information:
TBD
For sale
$139,900
3957 State Highway 42 E, Warsaw, KY 41095
2beds
--sqft
Single Family Residence
Built in ----
0.8 Acres Lot
$-- Zestimate®
$--/sqft
$-- HOA
What's special
Cozy little cottageFresh paintFreshly updated showerNewer flooring and kitchenLittle sugar creek frontageTwo bedrooms
- 54 days |
- 83 |
- 3 |
Zillow last checked:
Listed by:
Jon Toelke,
SmallTown Properties 769-888-2522
Source: REALSTACK,MLS#: 105307
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Has basement: No
Interior area
- Total structure area: 0
Video & virtual tour
Property
Lot
- Size: 0.8 Acres
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Community & HOA
Location
- Region: Warsaw
Financial & listing details
- Date on market: 5/14/2026
- Lease term: Contact For Details
Estimated market value
Not available
Estimated sales range
Not available
$1,455/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/5/2026 | Listed for sale | $139,900 |
Source: REALSTACK #105307 Report a problem | ||
| 5/27/2026 | Pending sale | $139,900 |
Source: REALSTACK #105307 Report a problem | ||
| 5/14/2026 | Listed for sale | $139,900 |
Source: REALSTACK #105307 Report a problem | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment$--/mo
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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 41095
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- 5/10Gallatin County Upper Elementary SchoolGrades: 3-5Distance: 4.7 mi
- 7/10Gallatin County Middle SchoolGrades: 6-8Distance: 4.7 mi
- 4/10Gallatin County High SchoolGrades: 9-12Distance: 4.6 mi
A local agent can set up tours, give advice and negotiate with sellers.
- Kentucky
- Gallatin County
- Warsaw
- 41095
- 3957 State Highway 42 E





