Cozy Cottage in Gallatin County, KY

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.