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Owner Financed

Kentucky · Pulaski

0.47 acres in Somerset, KY

One of the biggest lots on the street. Flat 0.47 acres. Paved road. Water and power at the road. Unrestricted, no HOA. Minutes to Lake Cumberland.

Owner Financed

About this lot

A flat 0.47-acre lot in Antioch Shores subdivision, minutes from Lake Cumberland in Pulaski County, Kentucky. This is one of the biggest lots on the street, with paved road access right up to it and water and electric already run to the road — you'll just need to add a septic. The land is unrestricted: no HOA, no zoning, no use limits. RV, mobile home, tiny home, or a permanent build all work. Lake Cumberland is the headline here — 65,000 acres of clear lake threading through the southern Kentucky hills, known nationally as the houseboat capital of the world and home to record-class striped bass, walleye, and smallmouth. Multiple marinas, state parks, and Daniel Boone National Forest are within a short drive. Somerset is fifteen minutes north for groceries, hospital, and Walmart. Lexington is 90 minutes, Louisville and Knoxville both about two and a half hours. Cash price $12,000 or seller financing available with $1,000 down.

Run your numbers

Adjust the down payment and term to find what works for you.

Cash price $12,000 · Finance price $14,000. Monthly payment amortizes the finance price minus your down payment.

Down payment

$1,000

$1,000$9,800

Term

Interest rate: 8% APR

Estimated monthly

$317/mo

48-month term at 8% APR

Total of payments over the term: $15,216. Interest paid: $2,216.

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Location

Nearest town

Somerset, KY (Pulaski County seat — Walmart, Lake Cumberland Regional Hospital, restaurants, full services)

Nearest recreation

Lake Cumberland (minutes away — 65,530 acres, one of the largest lakes in the eastern US, known as the "Houseboat Capital of the World." Striped bass, walleye, smallmouth, crappie, and trout fishing; multiple state-record fish caught here)

Get directions

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How financing works

We close fast

Around 3 weeks or less. No banks, no underwriting drama.

Use the land from day one

Build, camp, hold — it's yours to use the moment closing is done. Title transfers at closing or at payoff, depending on the structure we use.

Make monthly payments

Pay online or by check, on a schedule that works for you. Once paid in full, you're free and clear.

We do not run credit checks. We work with you on terms. Read more about how it works.

Request details

Fill out the form and we'll get back to you within 24 hours. Or call/text us directly at +1 (702) 286-8132.

Ready to make this yours?

Reach out and we'll get you the details, the numbers, and answers to anything you need.