656 Saint Moritz Dr
Big Bear Lake, CA 92315
$739,500
3 bd · 2 ba · 1,518 sqft · Listed 2d ago
View on Realtor.com →Year built
2000
Sqft
1,518
Lot sqft
7,374
HOA / mo
$0
Furnished
Yes
List date
2026-10-09T00:24:08.000000Z
Revenue
Annual revenue
$34,135
ADR
$337
Occupancy
28%
Cleaning fees (12 mo)
$5,376
Confidence
Low (38.24), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $29,718
The Gridiron
House · 3 bd · 2 ba · sleeps 7 · 387 ft
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $11,640ADR $533Occ ≈ 6%5★ (3)
Escape to Adventure: Mountain Cabin Holidays in Big Bear Lake
Cabin · 3 bd · 2 ba · sleeps 8 · 394 ft
- Wifi
- Kitchen
- Washer
- Fireplace
Revenue $960ADR $320Occ ≈ 1%—
Brownie Retreat: Walk to Snow Summit
House · 3 bd · 2 ba · sleeps 8 · 449 ft
Revenue $26,250ADR $318Occ ≈ 23%4.9★ (41)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hidden Gem, Hot tub, Close to Summit Mtn Trails Cabin
| 3 bd · 2 ba · sleeps 6 | $3,596 | $293 | 3% | 5★ (4) | 128 ft | AirbnbVrbo |
Walk 2 Trails+Hot Tub+Grill+Pacman+Shuffleboard+EV Cabin
| 3 bd · 2 ba · sleeps 6 | $29,718 | $520 | 16% | 5★ (20) | 135 ft | AirbnbVrbo |
Pet Friendly bungalow near slopesYardDeckBBQ House | 3 bd · 1.5 ba · sleeps 6 | $46,209 | $203 | 62% | 4.7★ (10) | 187 ft | AirbnbBooking |
Walk to Snow Summit | Pool Table + Fireplace Cabin
| 3 bd · 2 ba · sleeps 9 | $24,419 | $385 | 17% | 4.8★ (42) | 276 ft | AirbnbVrboBooking |
Cozy Family Cabin - Walk to Snow Summit! Hot Tub! Cabin
| 3 bd · 2 ba · sleeps 6 | $29,885 | $371 | 22% | 5★ (31) | 377 ft | AirbnbVrbo |
The Gridiron House
| 3 bd · 2 ba · sleeps 7 | $11,640 | $533 | 6% | 5★ (3) | 387 ft | Airbnb |
Escape to Adventure: Mountain Cabin Holidays in Big Bear Lake Cabin
| 3 bd · 2 ba · sleeps 8 | $960 | $320 | 1% | — | 394 ft | Vrbo |
Mountain Bear Chalet HotTub Pool Table Near Summit Cabin
| 3 bd · 2 ba · sleeps 8 | $53,063 | $395 | 37% | 4.7★ (62) | 397 ft | AirbnbVrboBooking |
Papa's Villa: Pool Table!Propane BBQ!Pet Friendly! House
| 3 bd · 2 ba · sleeps 8 | $49,430 | $316 | 43% | 4.8★ (160) | 440 ft | AirbnbVrbo |
Brownie Retreat: Walk to Snow Summit House | 3 bd · 2 ba · sleeps 8 | $26,250 | $318 | 23% | 4.9★ (41) | 449 ft | Delisted |
Show 37 more
Spacious Cabin, walking distance to Snow Summit
Cabin · 3 bd · 2 ba · sleeps 6 · 492 ft
- Free parking
- Wifi
- Kitchen
Revenue $8,979ADR $317Occ ≈ 8%5★ (7)
Big Red N The Pines Prime location/spacious rooms
Cabin · 3 bd · 2 ba · sleeps 6 · 502 ft
- Free parking
- Wifi
- Kitchen
- Fireplace
- +1
Revenue $13,708ADR $315Occ ≈ 12%4.9★ (72)
Prime Location! Walking to Summit Mountain
Cabin · 3 bd · 2 ba · sleeps 8 · 505 ft
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $39,971ADR $447Occ ≈ 24%5★ (74)
Hundred Acre Wood - Walk to Snow Summit.
Cabin · 3 bd · 2 ba · sleeps 6 · 509 ft
Revenue $13,175ADR $298Occ ≈ 12%4.8★ (59)
Delisted
RedDoorChalet
Cabin · 3 bd · 1.5 ba · sleeps 8 · 522 ft
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $21,179ADR $255Occ ≈ 23%4.8★ (53)
Walk to Summit, Spa, Foosball Spacious and Central
Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +5
Revenue $13,438ADR $423Occ ≈ 9%4.8★ (44)
Walk toSlopes, Arcade, Games, Fireplace, BBQ, Deck
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $19,969ADR $293Occ ≈ 19%4.8★ (56)
Delisted
Mountain adventure #1931
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $57,039ADR $543Occ ≈ 29%3.5★ (1)
Steps from Summit Bike Park-Saint & Switz Chalet
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $13,816ADR $592Occ ≈ 6%4.8★ (298)
Casa Makim-Walk to Slopes, Hot Tub, Fireplace, Jet Tub, BBQ
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $22,707ADR $305Occ ≈ 20%—
Big Bear Nugget-skiing-spa
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $30,511ADR $567Occ ≈ 15%4.9★ (24)
Walk to Snow Summit + game room, fire pit & spa!
House · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $28,390ADR $546Occ ≈ 14%5★ (56)
Golden West Cottage #2581
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $68,574ADR $582Occ ≈ 32%—
Moose Creek Chalet-1237 by Big Bear Vacations
Vacation home · 3 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $82,687ADR $905Occ ≈ 25%3.5★ (2)
Remodeled Home! Walk to Snow Summit!
House · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $6,831ADR $398Occ ≈ 5%4.9★ (28)
Delisted
Bear Kub Kabin
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $59,815ADR $331Occ ≈ 50%—
Brownie Retreat Walk-to-Summit Mountain Getaway for Snowboarders & Skiers
Vacation home · 3 bd · 3 ba · sleeps 7 · 0.1 mi
Revenue $43,760ADR $491Occ ≈ 24%0.5★ (1)
Brownie Resort | Your Walk-to-Summit Getaway| Family's Snowboarders Skiers
Vacation home · 3 bd · 3 ba · sleeps 7 · 0.1 mi
Revenue $45,217ADR $513Occ ≈ 24%—
Modern Cabin Retreat – Steps from Snow Summit
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $11,927ADR $257Occ ≈ 13%5★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
2 Blocks From Snow Summit! Pet Friendly! Foosball! House
| 3 bd · 2 ba · sleeps 8 | $29,951 | $225 | 36% | 4.8★ (58) | 479 ft | AirbnbVrbo |
Harmony Haus: Hot Tub! Pool Table! Barbecue! House
| 3 bd · 3 ba · sleeps 10 | $45,647 | $380 | 33% | 4.7★ (152) | 489 ft | AirbnbVrbo |
Spacious Cabin, walking distance to Snow Summit Cabin
| 3 bd · 2 ba · sleeps 6 | $8,979 | $317 | 8% | 5★ (7) | 492 ft | Airbnb |
Happy Trails: Hot Tub! Pool Table! Yard! BBQ! House
| 3 bd · 2 ba · sleeps 8 | $51,165 | $302 | 46% | 4.5★ (121) | 499 ft | AirbnbVrbo |
Big Red N The Pines Prime location/spacious rooms Cabin
| 3 bd · 2 ba · sleeps 6 | $13,708 | $315 | 12% | 4.9★ (72) | 502 ft | Airbnb |
Prime Location! Walking to Summit Mountain Cabin
| 3 bd · 2 ba · sleeps 8 | $39,971 | $447 | 24% | 5★ (74) | 505 ft | Airbnb |
Hundred Acre Wood - Walk to Snow Summit. Cabin | 3 bd · 2 ba · sleeps 6 | $13,175 | $298 | 12% | 4.8★ (59) | 509 ft | Delisted |
Lux Log Cabin Walk to Snow Summit! Hot Tub! Pets! House
| 3 bd · 3 ba · sleeps 8 | $64,060 | $452 | 39% | 5★ (71) | 518 ft | AirbnbVrbo |
RedDoorChalet Cabin
| 3 bd · 1.5 ba · sleeps 8 | $21,179 | $255 | 23% | 4.8★ (53) | 522 ft | Airbnb |
Walk to Summit, Spa, Foosball Spacious and Central Cabin
| 3 bd · 2.5 ba · sleeps 8 | $13,438 | $423 | 9% | 4.8★ (44) | 0.1 mi | Airbnb |
Mountain Adventure Ski Haus w/ Hot Tub Cabin
| 3 bd · 2 ba · sleeps 7 | $42,126 | $379 | 30% | 4.2★ (35) | 0.1 mi | AirbnbVrboBooking |
Stunning Cabin By Snow Summit!! Dogs Welcome Cabin
| 3 bd · 2.5 ba · sleeps 10 | $48,890 | $522 | 26% | 4.8★ (266) | 0.1 mi | AirbnbVrbo |
Four Happy Bears•Walk to Summit•Single Story•Spa House
| 3 bd · 2 ba · sleeps 6 | $26,466 | $396 | 18% | 4.8★ (165) | 0.1 mi | AirbnbVrbo |
Walk toSlopes, Arcade, Games, Fireplace, BBQ, Deck Cabin | 3 bd · 2 ba · sleeps 8 | $19,969 | $293 | 19% | 4.8★ (56) | 0.1 mi | Delisted |
Mountain adventure #1931 Vacation home | 3 bd · 2 ba · sleeps 7 | $57,039 | $543 | 29% | 3.5★ (1) | 0.1 mi | Booking |
Steps from Summit Bike Park-Saint & Switz Chalet Cabin
| 3 bd · 2 ba · sleeps 8 | $13,816 | $592 | 6% | 4.8★ (298) | 0.1 mi | Airbnb |
La Maison: Walk to Snow Summit! Pool Table! Spa! House
| 3 bd · 2 ba · sleeps 9 | $38,600 | $381 | 28% | 4.7★ (143) | 0.1 mi | AirbnbVrbo |
Casa Makim-Walk to Slopes, Hot Tub, Fireplace, Jet Tub, BBQ Vacation home | 3 bd · 2 ba · sleeps 8 | $22,707 | $305 | 20% | — | 0.1 mi | Booking |
Big Bear Nugget-skiing-spa Cabin
| 3 bd · 2 ba · sleeps 8 | $30,511 | $567 | 15% | 4.9★ (24) | 0.1 mi | Airbnb |
Walk to Snow Summit! Log Cabin! Wood Fireplace! House
| 3 bd · 2 ba · sleeps 9 | $48,606 | $264 | 50% | 4.7★ (93) | 0.1 mi | AirbnbVrbo |
Walk to Snow Summit + game room, fire pit & spa! House
| 3 bd · 2 ba · sleeps 8 | $28,390 | $546 | 14% | 5★ (56) | 0.1 mi | Airbnb |
Rustic Cottage Near Snow Summit · Loft · Sleeps 8 Cabin
| 3 bd · 1.5 ba · sleeps 8 | $35,288 | $345 | 28% | 4.7★ (29) | 0.1 mi | AirbnbVrboBooking |
Cute Escape, Walk to Summit Mtn Slopes/Hiking Townhouse
| 3 bd · 2 ba · sleeps 6 | $2,474 | $315 | 2% | 4.5★ (2) | 0.1 mi | AirbnbVrbo |
Golden West Cottage #2581 Vacation home | 3 bd · 2 ba · sleeps 7 | $68,574 | $582 | 32% | — | 0.1 mi | Booking |
Moose Creek Chalet-1237 by Big Bear Vacations Vacation home | 3 bd · 2 ba · sleeps 9 | $82,687 | $905 | 25% | 3.5★ (2) | 0.1 mi | Booking |
Walk to Snow Summit 3b 2b condo WiFi Sleeps 7-8 Townhouse | 3 bd · 2 ba · sleeps 8 | $22,776 | $453 | 14% | 4.8★ (7) | 0.1 mi | AirbnbBooking |
Remodeled Home! Walk to Snow Summit! House | 3 bd · 2 ba · sleeps 6 | $6,831 | $398 | 5% | 4.9★ (28) | 0.1 mi | Delisted |
Cozy Log Cabin Near Snow Summit! Foosball! House
| 3 bd · 2 ba · sleeps 8 | $52,941 | $491 | 30% | 4.8★ (48) | 0.1 mi | AirbnbVrbo |
Paradise Slopes | Hot Tub | Game Room | By Slopes House
| 3 bd · 2 ba · sleeps 9 | $25,714 | $421 | 17% | 4.7★ (23) | 0.1 mi | AirbnbVrbo |
Summit Après | 2-Min Walk to Snow Summit Apartment
| 3 bd · 2 ba · sleeps 6 | $550 | $275 | 1% | 5★ (1) | 0.1 mi | AirbnbVrboBooking |
Bear Kub Kabin Block 2 Slopes, SPA & Game Room Cabin
| 3 bd · 2 ba · sleeps 8 | $63,367 | $365 | 48% | 4.9★ (79) | 0.1 mi | AirbnbVrbo |
Bear Kub Kabin Vacation home | 3 bd · 2 ba · sleeps 8 | $59,815 | $331 | 50% | — | 0.1 mi | Booking |
Brownie Retreat Walk-to-Summit Mountain Getaway for Snowboarders & Skiers Vacation home | 3 bd · 3 ba · sleeps 7 | $43,760 | $491 | 24% | 0.5★ (1) | 0.1 mi | Booking |
Brownie Resort | Your Walk-to-Summit Getaway| Family's Snowboarders Skiers Vacation home | 3 bd · 3 ba · sleeps 7 | $45,217 | $513 | 24% | — | 0.1 mi | Booking |
Walk to Snow Summit - Brownie B House | 3 bd · 2.5 ba · sleeps 6 | $25,241 | $196 | 35% | 4.8★ (31) | 0.1 mi | AirbnbBooking |
Modern Cabin Retreat – Steps from Snow Summit Cabin
| 3 bd · 2 ba · sleeps 7 | $11,927 | $257 | 13% | 5★ (2) | 0.1 mi | Airbnb |
Brownie Resort | Your Walk-to-Summit Ski Resort Cabin
| 3 bd · 3 ba · sleeps 7 | $20,611 | $615 | 9% | 5★ (1) | 0.1 mi | AirbnbVrboBooking |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Est. revenue
$34,135
NOI
$8,471
Cash flow /mo
$706
Cash needed
$769,080
Cash-on-cash (all cash)
1.1%
ROE (yr 1)
4.0%
Cap rate
1.1%
DSCR
—
Year-1 write-off
$135,503
Year-1 tax shield @ 32%
$43,361
Year-1 return on equity
- Cash flow (annual)$8,471
- Principal paydown (n/a, cash)$0
- Appreciation at%$22,185
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$6,827
- Platform fees (3% of revenue)$1,024
- Maintenance / capex (5% of revenue)$1,707
- Utilities & supplies$4,200
- HOA$0
- Property tax$9,363
- Insurance (STR-rated)$3,771
Cash needed to close
- Purchase price (all cash)$739,500
- Closing costs (4.0%)$29,580
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$43,361
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$542,000
Short-life (5/15-yr)
$135,000 · 25%
Year-1 deduction
$136,000
Year-1 tax shield @ 32%
$43,000
Land 27% (county tax record, assessed value split) · building $407,000 over 39 years
Based on: 1,518 sq ft, built 2000, 3 bd / 2 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $78,000 in year 1 (14% short-life, $25,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,500
Kitchen cabinetsdefault
$9,100 new × 40% good × 3.42 allocation
- $10,200
Kitchen countertopsdefault
$7,500 new × 40% good × 3.42 allocation
- $3,600
Decorative trimdefault
$2,700 new × 40% good × 3.42 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.42 allocation
- $1,600
Shelvingdefault
$1,200 new × 40% good × 3.42 allocation
- $5,100
Window coverings (15)default
$3,800 new × 40% good × 3.42 allocation
- $6,700
Carpet, vinyl & laminate (50% of floors)listing
$4,900 new × 40% good × 3.42 allocation
- $11,700
Kitchen & laundry equipment plumbingdefault
$7,100 new × 48% good × 3.42 allocation
- $7,000
Kitchen, laundry & data equipment electricaldefault
$4,300 new × 48% good × 3.42 allocation
- $9,600
Appliances (range, dishwasher, refrigerator, washer, dryer)listing
$7,000 new × 40% good × 3.42 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $13,800
Paving: driveway & walks (paved)default
$8,100 new × 50% good × 3.42 allocation
- $13,300
Landscaping (typical)default
$7,800 new × 50% good × 3.42 allocation
- $2,600
Patiosdefault
$1,500 new × 50% good × 3.42 allocation
- $29,200
Decks & porches (attached)listing
$17,100 new × 50% good × 3.42 allocation
- $318,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$164,400 new × 57% good × 3.42 allocation
- $28,000
Building plumbing & fixturesdefault
$17,100 new × 48% good × 3.42 allocation
- $27,100
Building electrical & lightingdefault
$16,500 new × 48% good × 3.42 allocation
- $23,400
HVACdefault
$17,100 new × 40% good × 3.42 allocation
- $6,700
Hardwood & tile floorsdefault
$4,900 new × 40% good × 3.42 allocation
- $3,600
Fireplacelisting
$2,600 new × 40% good × 3.42 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $76,200 | $58,800 | $400 | $135,500 |
| 2 | $0 | $0 | $10,400 | $10,400 |
| 3 | $0 | $0 | $10,400 | $10,400 |
| 4 | $0 | $0 | $10,400 | $10,400 |
| 5 | $0 | $0 | $10,400 | $10,400 |
| 6+ | $0 | $0 | $364,900 | $364,900 |
| Total | $76,200 | $58,800 | $407,100 | $542,100 |
The building's share of the price ($534,000) is 3.4x our depreciated replacement cost of the home ($156,000). The IRS guide treats a gap this size as a reason to review the land share: if land is worth more than the county ratio says, the basis and the write-off are smaller.
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Big Bear Lake (city) and unincorporated county areas both allow permitted short-term rentals, and we found no numeric permit cap in either. Permits/licenses generally do NOT transfer on sale — a buyer must apply for their own, so confirm permit status with the city or San Bernardino County before closing. City: vacation rental license, up to 3 per owner. County: 1 permit per parcel under 2 acres, 2 max per owner. Lodging tax ~13% in the city, ~7% county. Rules change; verify before you buy.