1009 White Mountain Dr
Big Bear City, CA 92314
$499,900
3 bd · 2 ba · 1,321 sqft · Listed 4d ago
View on Realtor.com →Year built
1987
Sqft
1,321
Lot sqft
8,102
HOA / mo
None
Furnished
No
List date
2026-09-25T16:59:43Z
Revenue
Annual revenue
$32,755
ADR
$285
Occupancy
31%
Cleaning fees (12 mo)
$6,701
Confidence
Low (32.76), 50 comps
Comp revenue range (p25 / median / p75)
Boo Boo Bear Chalet
Cabin · 3 bd · 2 ba · sleeps 8 · 282 ft
Revenue $18,119ADR $290Occ ≈ 17%5★ (20)
Cute family cabin with hot tub and hiking trails.
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $23,054ADR $347Occ ≈ 18%4.9★ (123)
Corner Hideaway I Quiet Location, Cozy Interiors
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $10,682ADR $292Occ ≈ 10%5★ (22)
Lookout Lodge: Hilltop Views, HotTub, Games, AC!
Cabin · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi
Revenue $4,157ADR $192Occ ≈ 6%5★ (6)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hot Tub, Game Room, AC, EV Charging & Fire Pit-WHI Cabin | 3 bd · 2.5 ba · sleeps 8 | $38,496 | $557 | 19% | 4.9★ (19) | 144 ft | AirbnbVrboBooking |
New! Bearadise ~ Peaceful Pinegrove Chalet Chalet | 3 bd · 2 ba · sleeps 8 | $60,292 | $251 | 66% | 4.7★ (208) | 174 ft | AirbnbVrbo |
Paradise Cabin Place | 3 bd · 1.5 ba · sleeps 10 | $24,834 | $411 | 17% | 4.5★ (28) | 174 ft | AirbnbVrbo |
Boo Boo Bear Chalet Cabin | 3 bd · 2 ba · sleeps 8 | $18,119 | $290 | 17% | 5★ (20) | 282 ft | Airbnb |
Big Comfort, Large Home in Big Bear House | 3 bd · 2.5 ba · sleeps 10 | $55,074 | $379 | 40% | 5★ (137) | 305 ft | AirbnbVrbo |
Top 1% Clean & Cozy Family Cabin with A/C Cabin | 3 bd · 1 ba · sleeps 8 | $29,546 | $252 | 32% | 5★ (135) | 0.1 mi | AirbnbVrboBooking |
Cute family cabin with hot tub and hiking trails. Cabin | 3 bd · 2 ba · sleeps 7 | $23,054 | $347 | 18% | 4.9★ (123) | 0.1 mi | Airbnb |
Peaceful Rustic Escape, Cool Deck, Firepit Table Cabin | 3 bd · 2 ba · sleeps 6 | $17,279 | $294 | 16% | 5★ (26) | 0.1 mi | AirbnbVrbo |
Corner Hideaway I Quiet Location, Cozy Interiors Cabin | 3 bd · 2 ba · sleeps 7 | $10,682 | $292 | 10% | 5★ (22) | 0.1 mi | Airbnb |
Lookout Lodge: Hilltop Views, HotTub, Games, AC! Cabin | 3 bd · 2.5 ba · sleeps 8 | $4,157 | $192 | 6% | 5★ (6) | 0.2 mi | Airbnb |
Show all 50 comps
Big Blue Retreat Dog-Friendly Cabin, Spa, Near Village
Vacation home · 3 bd · 2 ba · sleeps 12 · 0.2 mi
Revenue $24,762ADR $215Occ ≈ 32%—
Large Family Home, sleeps 6+
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $18,908ADR $178Occ ≈ 29%4.7★ (339)
Hillside Haven/Views/Quiet Area/Next to Forest
Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.2 mi
Revenue $26,279ADR $220Occ ≈ 33%4.8★ (37)
Lookout Lodge Family Chalet at Big Bear w/ Games
Vacation home · 3 bd · 3 ba · sleeps 8 · 0.2 mi
Revenue $47,315ADR $511Occ ≈ 25%—
Peaceful 3 bdr cabin w/ hot tub! Close to hiking!
Cabin · 3 bd · 1 ba · sleeps 7 · 0.3 mi
Revenue $12,633ADR $334Occ ≈ 10%4.9★ (252)
Double Deck Cabin w/ Spa, Hanging Chairs, Fire Pit
Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $31,190ADR $376Occ ≈ 23%4.9★ (122)
The Fox Den #2568
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $87,855ADR $651Occ ≈ 37%—
The Fox Den Big Bear ~ Modern Mountain View Retreat w/ Hot Tub
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $78,773ADR $596Occ ≈ 36%4★ (1)
Summit View Cabin–Game Room, Family Memories & Fun
House · 3 bd · 2 ba · sleeps 7 · 0.3 mi
Revenue $25,347ADR $346Occ ≈ 20%4.9★ (85)
Big Hot Tub! - 5 Mins to Slopes!
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $19,427ADR $260Occ ≈ 20%4.3★ (24)
Big Bear Ultimate Stay Away
House · 3 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $2,728ADR $532Occ ≈ 1%5★ (2)
Luxury Mountain Chalet in Big Bear|Ski Queen Lodge
Cabin · 3 bd · 3 ba · sleeps 7 · 0.4 mi
Revenue $13,103ADR $517Occ ≈ 7%5★ (1)
Eagles Landing - Family Friendly Holiday Space
House · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $11,517ADR $127Occ ≈ 25%5★ (69)
Aframe, Huge Yard, Escooters, SUP Board, Kayak, EV
Cabin · 3 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $16,895ADR $310Occ ≈ 15%5★ (16)
Charming Rustic Pet Friendly Mountain Cabin, with Deck, BBQ, Firepit, Fireplace
House · 3 bd · 3 ba · sleeps 8 · 0.4 mi
Revenue $4,029ADR $263Occ ≈ 4%—
Charming Woodsy Dog Friendly HomeHot
House · 3 bd · 3 ba · sleeps 8 · 0.4 mi
Revenue $7,530ADR $235Occ ≈ 9%—
The Duran Cabin - Vintage Big Bear Cabin In Big Bear City
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $25,535ADR $172Occ ≈ 41%—
Cozy 3bd 2ba Cabin minutes to the ski resort
Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $8,862ADR $323Occ ≈ 8%4.8★ (29)
Mama’s Lake House: Spacious 3 bedroom retreat
House · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $34,498ADR $350Occ ≈ 27%5★ (24)
Home w/ Spa near Ski Resort, VIEW, Pet Friendly!
Cabin · 3 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $31,770ADR $387Occ ≈ 22%4.8★ (177)
Unwind in Style: Premier Location Cabin with Hot Tub in California
Cabin · 3 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $4,363ADR $256Occ ≈ 5%—
Charming Modern Mountain Retreat: Full Amenities
House · 3 bd · 3 ba · sleeps 12 · 0.4 mi
Revenue $21,587ADR $335Occ ≈ 18%5★ (40)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Big Blue Retreat Dog-Friendly Cabin, Spa, Near Village Vacation home | 3 bd · 2 ba · sleeps 12 | $24,762 | $215 | 32% | — | 0.2 mi | Booking |
Big Blue | Charming Chalet Nestled Next To Trails! Cabin | 3 bd · 2 ba · sleeps 8 | $58,405 | $261 | 61% | 4.8★ (55) | 0.2 mi | AirbnbVrbo |
Lookout Lodge Family Chalet at Big Bear w/ Games Cabin | 3 bd · 2.5 ba · sleeps 8 | $60,569 | $515 | 32% | 4.5★ (10) | 0.2 mi | AirbnbVrboBooking |
Large Family Home, sleeps 6+ House | 3 bd · 2 ba · sleeps 6 | $18,908 | $178 | 29% | 4.7★ (339) | 0.2 mi | Airbnb |
Hillside Haven/Views/Quiet Area/Next to Forest Cabin | 3 bd · 1.5 ba · sleeps 6 | $26,279 | $220 | 33% | 4.8★ (37) | 0.2 mi | Airbnb |
Lookout Lodge Family Chalet at Big Bear w/ Games Vacation home | 3 bd · 3 ba · sleeps 8 | $47,315 | $511 | 25% | — | 0.2 mi | Booking |
Big Bear Retreat w Fire Pit, Deck, & Cabin Vibes House | 3 bd · 2.5 ba · sleeps 6 | $28,182 | $288 | 27% | 3.8★ (10) | 0.2 mi | AirbnbVrboBooking |
Eagle Mountain Retreat Cabin | 3 bd · 2 ba · sleeps 6 | $10,131 | $295 | 9% | 5★ (27) | 0.2 mi | AirbnbVrbo |
Peaceful 3 bdr cabin w/ hot tub! Close to hiking! Cabin | 3 bd · 1 ba · sleeps 7 | $12,633 | $334 | 10% | 4.9★ (252) | 0.3 mi | Airbnb |
Double Deck Cabin w/ Spa, Hanging Chairs, Fire Pit Cabin | 3 bd · 2 ba · sleeps 8 | $31,190 | $376 | 23% | 4.9★ (122) | 0.3 mi | Airbnb |
Sleepy Bear Cabin | Near slopes Cabin | 3 bd · 2.5 ba · sleeps 8 | $18,669 | $348 | 15% | 5★ (21) | 0.3 mi | AirbnbVrbo |
Spacious Cabin With Games, Pool Table & Hot Tub House | 3 bd · 3 ba · sleeps 8 | $9,239 | $658 | 4% | 5★ (18) | 0.3 mi | AirbnbVrbo |
Escape Close to Lake, AC, Killer Hot Tub and Deck Cabin | 3 bd · 1 ba · sleeps 8 | $22,173 | $306 | 20% | 4.9★ (75) | 0.3 mi | AirbnbVrbo |
The Fox Den #2568 Vacation home | 3 bd · 2 ba · sleeps 8 | $87,855 | $651 | 37% | — | 0.3 mi | Booking |
The Fox Den Big Bear ~ Modern Mountain View Retreat w/ Hot Tub Vacation home | 3 bd · 2 ba · sleeps 8 | $78,773 | $596 | 36% | 4★ (1) | 0.3 mi | Booking |
The Fox Den Big Bear ~ Modern Mountain View Retrea Cabin | 3 bd · 2 ba · sleeps 8 | $47,651 | $472 | 28% | 4.8★ (11) | 0.3 mi | AirbnbVrbo |
Summit View Cabin–Game Room, Family Memories & Fun House | 3 bd · 2 ba · sleeps 7 | $25,347 | $346 | 20% | 4.9★ (85) | 0.3 mi | Airbnb |
Luxury Log Cabin! Panoramic views, game room! FOST Cabin | 3 bd · 2.5 ba · sleeps 8 | $39,735 | $477 | 23% | 4.8★ (16) | 0.3 mi | AirbnbVrboBooking |
Whitney Manor/ W Spa Near the lake Cabin | 3 bd · 2 ba · sleeps 8 | $43,897 | $324 | 37% | 4.9★ (35) | 0.3 mi | AirbnbVrboBooking |
Sasquatch Cottage:Fun & Enchanting Themed Cabin! House | 3 bd · 2 ba · sleeps 7 | $22,749 | $212 | 29% | 4.8★ (37) | 0.3 mi | AirbnbVrbo |
Big Hot Tub! - 5 Mins to Slopes! House | 3 bd · 2 ba · sleeps 8 | $19,427 | $260 | 20% | 4.3★ (24) | 0.3 mi | Airbnb |
Big Bear Ultimate Stay Away House | 3 bd · 3 ba · sleeps 10 | $2,728 | $532 | 1% | 5★ (2) | 0.3 mi | Airbnb |
Woodsy Cozy Glam, Hot Tub, Pirate Ship and Xbox Cabin | 3 bd · 2.5 ba · sleeps 8 | $22,279 | $285 | 21% | 5★ (6) | 0.3 mi | AirbnbVrbo |
Mountain View Escape: Pool Table! WiFi! TV! House | 3 bd · 3 ba · sleeps 8 | $44,336 | $282 | 43% | 4.8★ (129) | 0.4 mi | AirbnbVrbo |
Luxury Mountain Chalet in Big Bear|Ski Queen Lodge Cabin | 3 bd · 3 ba · sleeps 7 | $13,103 | $517 | 7% | 5★ (1) | 0.4 mi | Airbnb |
Eagles Landing - Family Friendly Holiday Space House | 3 bd · 2 ba · sleeps 8 | $11,517 | $127 | 25% | 5★ (69) | 0.4 mi | Airbnb |
Aframe, Huge Yard, Escooters, SUP Board, Kayak, EV Cabin | 3 bd · 1 ba · sleeps 6 | $16,895 | $310 | 15% | 5★ (16) | 0.4 mi | Airbnb |
Charming Rustic Pet Friendly Mountain Cabin, with Deck, BBQ, Firepit, Fireplace House | 3 bd · 3 ba · sleeps 8 | $4,029 | $263 | 4% | — | 0.4 mi | Vrbo |
Charming Woodsy Dog Friendly HomeHot House | 3 bd · 3 ba · sleeps 8 | $7,530 | $235 | 9% | — | 0.4 mi | Vrbo |
2577-The Cave Vacation home | 3 bd · 2 ba · sleeps 7 | $13,813 | $445 | 9% | — | 0.4 mi | Booking |
Fireplace, Deck, Barbecue Cabin | 3 bd · 2 ba · sleeps 6 | $41,936 | $316 | 36% | 3.9★ (12) | 0.4 mi | AirbnbVrbo |
The Duran Cabin - Vintage Big Bear Cabin In Big Bear City Vacation home | 3 bd · 2 ba · sleeps 6 | $25,535 | $172 | 41% | — | 0.4 mi | Booking |
Cozy 3bd 2ba Cabin minutes to the ski resort Cabin | 3 bd · 2 ba · sleeps 8 | $8,862 | $323 | 8% | 4.8★ (29) | 0.4 mi | Airbnb |
Mama’s Lake House: Spacious 3 bedroom retreat House | 3 bd · 2 ba · sleeps 8 | $34,498 | $350 | 27% | 5★ (24) | 0.4 mi | Airbnb |
Bear Cub Cabin + Hot-Tub & Outdoor Patio w/ BBQ! Cabin | 3 bd · 2 ba · sleeps 8 | $36,052 | $284 | 35% | 4.7★ (16) | 0.4 mi | AirbnbVrboBooking |
Home w/ Spa near Ski Resort, VIEW, Pet Friendly! Cabin | 3 bd · 2 ba · sleeps 6 | $31,770 | $387 | 22% | 4.8★ (177) | 0.4 mi | Airbnb |
Unwind in Style: Premier Location Cabin with Hot Tub in California Cabin | 3 bd · 2 ba · sleeps 6 | $4,363 | $256 | 5% | — | 0.4 mi | Vrbo |
Charming Modern Mountain Retreat: Full Amenities House | 3 bd · 3 ba · sleeps 12 | $21,587 | $335 | 18% | 5★ (40) | 0.4 mi | Airbnb |
Big Bear Cabin: Hot Tub, Pet-Friendly, Fenced Cabin | 3 bd · 2 ba · sleeps 8 | $48,898 | $330 | 41% | 4.7★ (395) | 0.4 mi | AirbnbVrbo |
Winding Retreat | Walk to Oktoberfest & Adventure House | 3 bd · 2.5 ba · sleeps 8 | $21,672 | $355 | 17% | 4.8★ (12) | 0.5 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
Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$32,755
NOI
$11,335
Cash flow /mo
-$1,749
Cash needed
$164,471
Cash-on-cash
-12.8%
ROE (yr 1)
-1.7%
Cap rate
2.3%
DSCR
0.35
Year-1 write-off
$143,901
Year-1 tax shield @ 32%
$46,048
Year-1 return on equity
- Cash flow (annual)-$20,990
- Principal paydown$3,271
- Appreciation at%$14,997
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$6,551
- Platform fees (3% of revenue)$983
- Maintenance / capex (5% of revenue)$1,638
- Utilities & supplies$4,200
- HOA$0
- Property tax$6,771
- Insurance (STR-rated)$2,549
Cash needed to close
- Down payment (25%)$124,975
- Closing costs (4.0%)$19,996
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$46,048
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
$404,000
Short-life (5/15-yr)
$124,000 · 31%
Year-1 deduction
$144,000
Year-1 tax shield @ 32%
$46,000
Land 19% (county tax record, assessed value split) · building $280,000 over 39 years · new furniture $20,000
Based on: 1,321 sq ft, built 1987, 3 bd / 2 ba, unfurnished, listing features (patio, fence, fireplace, flooring types, appliance list).
IRS-guide safe-harbor floor: $113,000 in year 1 (23% short-life, $36,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,900
Kitchen cabinetsdefault
$8,700 new × 40% good × 3.70 allocation
- $10,500
Kitchen countertopsdefault
$7,100 new × 40% good × 3.70 allocation
- $3,400
Decorative trimdefault
$2,300 new × 40% good × 3.70 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.70 allocation
- $1,800
Shelvingdefault
$1,200 new × 40% good × 3.70 allocation
- $4,800
Window coverings (13)default
$3,300 new × 40% good × 3.70 allocation
- $12,600
Carpet, vinyl & laminate (100% of floors)listing
$8,500 new × 40% good × 3.70 allocation
- $10,000
Kitchen & laundry equipment plumbingdefault
$6,800 new × 40% good × 3.70 allocation
- $6,100
Kitchen, laundry & data equipment electricaldefault
$4,100 new × 40% good × 3.70 allocation
- $9,000
Appliances (range, microwave, dishwasher, disposal, refrigerator)listing
$6,100 new × 40% good × 3.70 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $14,000
Paving: driveway & walks (paved)listing
$7,500 new × 50% good × 3.70 allocation
- $13,400
Landscaping (typical)default
$7,200 new × 50% good × 3.70 allocation
- $11,000
Patioslisting
$5,900 new × 50% good × 3.70 allocation
- $2,400
Decks & porches (attached)default
$1,300 new × 50% good × 3.70 allocation
- $11,100
Fencinglisting
$6,000 new × 50% good × 3.70 allocation
- $211,600
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$142,800 new × 40% good × 3.70 allocation
- $22,000
Building plumbing & fixturesdefault
$14,800 new × 40% good × 3.70 allocation
- $20,800
Building electrical & lightingdefault
$14,000 new × 40% good × 3.70 allocation
- $22,000
HVACdefault
$14,900 new × 40% good × 3.70 allocation
- $3,900
Fireplacelisting
$2,600 new × 40% good × 3.70 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $91,100 | $51,900 | $900 | $143,900 |
| 2 | $0 | $0 | $7,200 | $7,200 |
| 3 | $0 | $0 | $7,200 | $7,200 |
| 4 | $0 | $0 | $7,200 | $7,200 |
| 5 | $0 | $0 | $7,200 | $7,200 |
| 6+ | $0 | $0 | $250,600 | $250,600 |
| Total | $91,100 | $51,900 | $280,300 | $423,300 |
The building's share of the price ($404,000) is 3.7x our depreciated replacement cost of the home ($109,000). 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 and Georgia 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.