USLakeFront Lake survey & intelligence

$870,000

3700 Marina Dr, Somerset, KY 25110

Sample listing
4
Bedrooms
2
Bathrooms
1,500
Square feet
60 ft
Shoreline
$14,500
Per shoreline ft

Family compound with guest cabin on Lake Cumberland. Roughly 60 feet of owned shoreline on 3.18 acres, with 4 bedrooms across 1,500 square feet. No dock. Water clarity on Lake Cumberland averages around 15 feet and the lake is classified volatile for water level. Dock and shoreline work fall under USACE Nashville District. This is a sample listing used to demonstrate the platform.

Features

Sandy beachMetal roofDetached garageCovered slipScreened porchBoat liftFire pit

Property facts

Property typeCondo Year built2005 Lot size3.18 acres DockNo dock Water depth at dock17 ft ExposureNorth-facing ViewPanoramic Annual taxes$6,392 HOA$45/mo Short-term rentalPermitted Listed2026-08-05
$6,896
All-in monthly
$198,130
Cash to close
$17,700
Costs beyond the obvious

Up front

Down payment$174,000
Closing costs (est. 2.4%)$20,880
Septic inspection & pump$850
Water quality testing$400
Waterfront home inspection$800
Survey (shoreline frontage)$1,200
Total$198,130

Every year

Principal & interest$55,006
Property taxes$6,392
Hazard insurance$3,654
Flood insurance$2,400
HOA / POA dues$540
Utilities$2,400
Maintenance reserve (1.1%)$9,570
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$360
Total$82,752
Adjust these assumptions →
$14,500
This home / shoreline ft
$7,330
Lake average
$580
Per square foot
Well above the lake average — this property prices at $14,500 per shoreline foot against a lake average near $7,330, a difference of 98%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.
Open the analyzer →
Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.
Booked nights / year126 Gross revenue$43,748 Lodging tax−$4,812 Management−$7,787 Cleaning & supplies−$12,324 Net operating income$18,825 Against annual carry$-63,927
Model your own →
5.7
Lake score
C
Water grade
45 ft
Drawdown
Level stabilityVolatile Typical clarity15 ft Dock authorityUSACE Nashville District
Full Lake Cumberland report →
Comparable

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