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Rating depth structure for walleye.
Recent public catches load as you reach this section.
63-acre lake in Iron County, Wisconsin. The lake tops out around 18 ft. The depth chart comes from Wisconsin Department of Natural Resources bathymetric survey data, so the contours are survey-derived rather than computer-modeled. The season-by-season read for each species follows, from the map's own numbers.
Drawn out, this is 63 acres of water rimmed by 2 miles of bank. The shoreline is moderately structured (index 1.8) — enough points and pockets to pattern. The shallow band under 15 ft claims about 88% of the surface — that's where the groceries are. Figure 0.7 mi of water from one end to the other, 0.4 mi at the beam. You'll find it in Iron County. The nearest mapped water is Margaret Lake, 0 mi to the northeast.
When the water first warms, walleye slide up into 4 to 15 ft. By summer they slide out to 5 to 18 ft, and by winter most fish are in 5 to 18 ft. If you only fish one area, make it Deep basin: a deep basin around 18 ft that scores prime in winter. In summer the feeding windows fall in the evening and early morning. Keep a crawler harness on bottom bouncer or a deep crankbait (trolled) rigged through the warm months.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 4 to 15 ft | dusk & dawn | Main-lake point (8 ft) | 1/8 oz jig + minnow, Hair jig |
| Summer | 5 to 18 ft chart-limited; documented 15 to 35 ft | dusk & dawn | Main-lake point (8 ft) | Crawler harness on bottom bouncer, Deep crankbait (trolled) |
| Fall | 5 to 18 ft chart-limited; documented 12 to 40 ft | dusk & night | Main-lake point (8 ft) | Jigging rap, Jig + big minnow |
| Winter | 5 to 18 ft chart-limited; documented 20 to 40 ft | dusk & dawn | Deep basin (18 ft) | Jigging spoon + minnow head, Rattle bait |
When the water first warms, yellow perch slide up into 3 to 12 ft. Summer is a 5 to 18 ft game here, winter a 5 to 18 ft one. Start at Shallow bay flat. It's a weed flat holding about 3 ft of water and rates prime come spring. The feeding windows run early morning. Keep a drop-shot micro plastics or a small spoon tipped with worm rigged through the warm months.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 3 to 12 ft | midday & dawn | Shallow bay flat (3 ft) | Small jig + curly tail, Perch-pattern micro crank |
| Summer | 5 to 18 ft chart-limited; documented 10 to 30 ft | dawn | Deep basin (18 ft) | Drop-shot micro plastics, Small spoon tipped with worm |
| Fall | 5 to 18 ft chart-limited; documented 12 to 35 ft | midday | Deep basin (18 ft) | Jigging spoon (small), Perch rig / spreader |
| Winter | 5 to 18 ft chart-limited; documented 15 to 35 ft | midday & dawn | Deep basin (18 ft) | Tungsten jig + spikes, Rattle spoon (small) |
The spring pattern is a shallow one: northern pike in 2 to 8 ft. Midsummer fish sit out in 5 to 18 ft before dropping to 5 to 15 ft for winter. The spot to know is Shallow bay flat, a weed flat in about 3 ft of water that rates prime for northern pike in spring. Plan around early morning and the evening in the warm months. Summer baits: a bucktail or a weedless spoon over cabbage gets it done.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 2 to 8 ft | midday & dawn | Shallow bay flat (3 ft) | #5 inline spinner, Spoon (red/white) |
| Summer | 5 to 18 ft chart-limited; documented 8 to 20 ft | dawn & dusk | Shallow bay flat (3 ft) | Bucktail, Weedless spoon over cabbage |
| Fall | 6 to 18 ft | midday & dawn | Main-lake point (8 ft) | Big rubber (Bull Dawg style), Husky-style jerkbait |
| Winter | 5 to 15 ft | midday | Shallow bay flat (3 ft) | Tip-ups, Large jigging spoon |
Spring puts muskellunge in skinny water — 3 to 12 ft is the zone. Warm water sends them out to 5 to 18 ft; cold water stacks them in 5 to 18 ft. Shallow bay flat is the standout, a weed flat at roughly 3 ft, rated prime for spring muskellunge. Plan around the evening and early morning in the warm months. A double-10 bucktail or a topwater (walk-the-dog / creeper) covers the summer program.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 3 to 12 ft | dusk | Shallow bay flat (3 ft) | Smaller bucktail (#8 blades), 6" glide bait |
| Summer | 5 to 18 ft chart-limited; documented 8 to 25 ft | dusk & dawn | Main-lake point (8 ft) | Double-10 bucktail, Topwater (walk-the-dog / creeper) |
| Fall | 5 to 18 ft chart-limited; documented 8 to 30 ft | midday & dusk | Main-lake point (8 ft) | Big rubber (Bull Dawg style), 10"+ glide bait |
| Winter | 5 to 18 ft chart-limited; documented 15 to 35 ft | midday | Deep basin (18 ft) | Large rubber, crawled slow |
The spring pattern is a shallow one: smallmouth bass in 3 to 12 ft. Midsummer fish sit out in 5 to 18 ft before dropping to 5 to 18 ft for winter. The spot to know is Main-lake point, a point in about 8 ft of water that rates prime for smallmouth bass in fall. Plan around early morning and the evening in the warm months. Summer baits: a drop shot (goby/minnow) or a ned rig gets it done.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 3 to 12 ft | dawn & dusk | Main-lake point (8 ft) | Ned rig, Tube jig |
| Summer | 5 to 18 ft chart-limited; documented 10 to 30 ft | dawn & dusk | Main-lake point (8 ft) | Drop shot (goby/minnow), Ned rig |
| Fall | 5 to 18 ft chart-limited; documented 8 to 25 ft | midday & dawn | Main-lake point (8 ft) | Jerkbait, Blade bait |
| Winter | 5 to 18 ft chart-limited; documented 20 to 45 ft | midday | Break off the point (2 ft) | Blade bait, Hair jig |
Start shallow in spring: largemouth bass sit in 2 to 10 ft that time of year. Warm water sends them out to 5 to 18 ft; cold water stacks them in 5 to 18 ft. Top water on the chart: Shallow bay flat, a weed flat in the 3 ft range, prime in spring. Fish it in early morning and the evening and you'll meet the bite. Throw a texas-rigged 10" worm or a deep-diving crankbait until the fish tell you otherwise.
Depth note: when a documented seasonal range extends below this chart, the table shows the deepest mapped working water, not a verified holding depth.
| Season | Depth | Best window | Start at | Go-to baits |
|---|---|---|---|---|
| Spring | 2 to 10 ft | dawn & dusk | Shallow bay flat (3 ft) | Spinnerbait, Chatterbait |
| Summer | 5 to 18 ft chart-limited; documented 8 to 20 ft | dawn & dusk | Main-lake point (8 ft) | Texas-rigged 10" worm, Deep-diving crankbait |
| Fall | 4 to 15 ft | midday & dawn | Main-lake point (8 ft) | Squarebill crankbait (shad), Spinnerbait |
| Winter | 5 to 18 ft chart-limited; documented 15 to 35 ft | midday | Deep basin (18 ft) | Blade bait, Jigging spoon |
Payment Lake also holds crappie (5 to 18 ft in summer), bluegill (4 to 15 ft in summer), pumpkinseed (2 to 10 ft in summer). Pick any of them on the map above for rated spots and bait picks.
The chart marks 5 structure features on Payment Lake; the deepest is Deep basin at about 18 ft.
Season dates, license requirements, and size and bag limits for Wisconsin waters are set by the Wisconsin DNR — and special regulations can apply to Payment Lake specifically, so confirm the current rules before you fish.
Check the official Wisconsin fishing regulations →
Payment Lake is about 18 ft (5 m) deep at its deepest point. The depth chart comes from Wisconsin Department of Natural Resources bathymetric survey data, so the contours are survey-derived rather than computer-modeled.
Anglers target walleye, yellow perch, northern pike, muskellunge, smallmouth bass, largemouth bass, crappie, bluegill, pumpkinseed on Payment Lake. These come from the Wisconsin DNR's per-lake fish listing; where the DNR lists a group (panfish, catfish, trout) the specific species are resolved from Wisconsin's fish distribution by the lake's location, depth and habitat.
Deep basin is the top-rated area: a deep basin in about 18 ft of water that rates prime for walleye in winter. The map above holds the full rated-spot list for every species and season.
For walleye, the summer bite is best in the evening and early morning. Each species page section below lists the seasonal windows, and the map shows a live NOW badge when you're inside one.
Fishing on Payment Lake is regulated by the Wisconsin DNR. Check the official Wisconsin regulations for current license requirements, season dates, and size and bag limits — special regulations can apply to this specific water.
Margaret Lake 0 mi · Net Lake 0 mi · Wallace Lake 0 mi · Tamarack Lake 1 mi · Little Martha Lake 1 mi · Pine Lake, North 1 mi · Belding Lake 1 mi · Martha Lake 2 mi · Norway Pine Lake 2 mi · Brush Lake 2 mi · Woodson Lake 2 mi · DuPage Lake 2 mi
See how Payment Lake stacks up: best largemouth bass lakes in Wisconsin · best smallmouth bass lakes in Wisconsin · best walleye lakes in Wisconsin · best northern pike lakes in Wisconsin
More water nearby: Iron County fishing maps (158 charts). Browse all Wisconsin fishing maps. See every water on DepthScout. Depth data: Wisconsin Department of Natural Resources, Lake maps. How we build these maps. Fish here with a sonar unit that logs? Send us your depth data and we'll improve this chart, credited to you. For fishing guidance only, never navigation.