139 Payton Ln

Claim your own piece of paradise down a quiet gravel lane in Russell County, Kentucky. Privacy and seclusion is yours in this quaint lake cottage, nestled in dense woods high above the convergence of Wolf Creek, Lily Creek and Caney Creek on Lake Cumberland. This home has been gently loved for decades by the current owners. The roof of the house was replaced in summer, 2025. The detached two-car garage (built in 2023; 24.25'x21.5') provides room for parking, extra storage and your lake toys! The courtyard along the front of the home offers additional parking. From the lovely side deck with railing, take in the spectacular outdoor views as you enter directly into the main living space. This great room provides an inspiring living room, dining room, and kitchen space with its vaulted wood-paneled ceiling, stunning 25-foot wide floor-to-ceiling windows, and a panoramic view of the surrounding wildlife and distant boating activity on Lake Cumberland. The adjacent sitting room features a propane-log fireplace flanked by stunning floor-to-ceiling woodwork and mantel. Near the front of the home is an exterior door, foyer, utility closets and a convenient laundry room with sink and washer/dryer hookups. To the right of the sitting room are two bedrooms and two baths. The larger bathroom features a skylight and includes an extra-large closet. From the great room, pass through a doorway into an area that could be closed off into a separate residence. A split unit provides heat and air-conditioning to this space. Still on the main level, there's a private den and office space with large windows overlooking the lake. A staircase leads down into the "pet-landing" and storage area on the lower level, and a barn door opens into the studio-style bedroom. Attached is a full bathroom, including a whirlpool tub and on-suite stackable laundry. An exterior door off the studio leads to concrete patios with several outdoor storage closets, a screened porch with plant ledge, and a bird-watching deck. Across the patio, a stairway leads up to the side deck and entrance on the main level. No restrictions or HOA. This property has potential as a short-term rental investment property! Pleasant Hill boat ramp is only 0.6 miles down the road. Enjoy beautiful Kentucky scenery and adventures with convenient access to nearby marinas. Pass by stunning Little Lily Creek Falls on your way to lunch in charming Jamestown, KY, only 6 miles away, or head on over to Lake Cumberland State Park or Wolf Creek Dam and Hatchery. Bustling Russell Springs, KY and the Cumberland Parkway is about a 15 minute drive. Act now to start making memories with friends and family, or just spend quiet time away in your very own Lake Cumberland cottage. Make this lovely home your own, today!