Ocoee Number Three Lake near McCaysville: Fishing Spots, Seasons and Access

• Overview

  Ocoee Number Three Lake is one of the Polk County waters in Tennessee. The ground around here is pine and hardwood. About 545 acres, so local knowledge or a boat saves a lot of walking. The closest town, McCaysville, is 4.5 miles distant. Further out sit Blue Ridge (13 miles) and Benton (16 miles). It sits near the edge of the county, so check which rules apply.

• Where to Fish on Ocoee Number Three Lake

  There is no recorded depth, so work from what you can see. Built water gives depth close in, which suits a bank angler. Rip-rap along the wall holds fish that the open bank never does. Polk County records list snubnose darter, redline darter, redbreast sunfish, smallmouth bass and greenside darter among the fish reported. County records show the wider picture rather than this one place. On Ocoee Number Three Lake the quiet end is the one worth the extra effort.

• Seasonal Patterns

  July is the warm end of the year here, averaging about 74°F, while January sits near 37°F. Heat sets the pattern from late spring onward. Shade and hour of day matter more than month. June to September is hot work, so the first and last hours are what count. Ocoee Number Three Lake runs to its own calendar within the local pattern.

• Tackle & Baits

  Whether the bank is open is not something our records settle. We find no slipway, car park or made path within a short radius, so treat access as rough. A small crankbait along the drop and a worm in the thick stuff cover the bass. Where the road in crosses private land, ask first. Night access is frequently treated as a separate matter. Gypsum Pond, 4.5 miles away, makes the obvious fallback. The position on Ocoee Number Three Lake is worth confirming on the day.