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14150 Bear Mountain Rd

14150 Bear Mountain Rd

Redding, CA 96003

$575,000

3 bd · 2.5 ba · 2,025 sqft · Listed 3d ago

View on Realtor.com →
Low confidence

Year built

1994

Sqft

2,025

Lot sqft

517,057

HOA / mo

$0

Furnished

No

List date

2026-11-09T04:32:57.000000Z

Revenue

Annual revenue

$44,754

ADR

$205

Occupancy

60%

Cleaning fees (12 mo)

$6,678

Confidence

Low (36.26), 7 comps

Comp revenue range (p25 / median / p75)

$28,025$46,345$58,298

Few similar-size comps were found, so all comps are shown.

Median revenue of shown comps: $46,345

  • The Shed on Sunrise

    House · 4 bd · 3 ba · sleeps 8 · 2.0 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +6

    Revenue $24,358ADR $197Occ ≈ 34%4.8★ (25)

    Airbnb

  • Shasta Lake Gorgeous Home w/ Hot Tub/BBQ/Ping-Pong

    House · 4 bd · 2 ba · sleeps 12 · 2.2 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +5

    Revenue $70,106ADR $307Occ ≈ 63%5★ (85)

    AirbnbVrbo

  • ‘Mtn Gate Guest House’ ~ 6 Mi to Shasta Lake!

    House · 3 bd · 2 ba · sleeps 5 · 2.5 mi

    • Wifi
    • Kitchen
    • Washer
    • Fireplace

    Revenue $31,692ADR $211Occ ≈ 41%5★ (45)

    AirbnbVrboBooking

  • Romantic Farmhouse 10 min. to Shasta Lake .

    House · 3 bd · 2 ba · sleeps 9 · 3.0 mi

    Revenue $544ADR $272Occ ≈ 1%4.5★ (6)

    Airbnb

  • Hot Tub, Dog-Friendly Yard! 3-Acre Redding Retreat

    House · 3 bd · 2 ba · sleeps 9 · 3.0 mi

    • Hot tub
    • A/C
    • Free parking
    • Pets OK
    • +3

    Revenue $46,489ADR $239Occ ≈ 53%4.6★ (24)

    AirbnbVrboBooking

  • Redding Retreat Ranch

    House · 3 bd · 2.5 ba · sleeps 10 · 3.2 mi

    • Hot tub
    • Pool
    • A/C
    • Free parking
    • +3

    Revenue $81,294ADR $517Occ ≈ 43%4.9★ (224)

    AirbnbVrbo

  • Bella Vista Country Home

    House · 2 bd · 2 ba · sleeps 6 · 3.4 mi

    • Hot tub
    • A/C
    • Free parking
    • Wifi
    • +4

    Revenue $46,345ADR $187Occ ≈ 68%5★ (42)

    Airbnb

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

Financing
Management

Est. revenue

$44,754

NOI

$18,334

Cash flow /mo

$1,528

Cash needed

$617,500

Cash-on-cash (all cash)

3.0%

ROE (yr 1)

5.8%

Cap rate

3.2%

DSCR

—

Year-1 write-off

$117,729

Year-1 tax shield @ 32%

$37,673

Year-1 return on equity

  • Cash flow (annual)$18,334
  • Principal paydown (n/a, cash)$0
  • Appreciation at%$17,250
ROE5.8%

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)$8,951
  • Platform fees (3% of revenue)$1,343
  • Maintenance / capex (5% of revenue)$2,238
  • Utilities & supplies$4,200
  • HOA$0
  • Property tax$7,188
  • Insurance (STR-rated)$3,364

Cash needed to close

  • Purchase price (all cash)$575,000
  • Closing costs (4.0%)$23,000
  • Furnishing (bought new)$19,500

Tax savings if the STR loophole applies

  • Tax shield @ 32%$37,673

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

$442,000

Short-life (5/15-yr)

$98,000 · 22%

Year-1 deduction

$118,000

Year-1 tax shield @ 32%

$38,000

Land 23% (county tax record, assessed value split) · building $344,000 over 39 years · new furniture $20,000

Based on: 2,025 sq ft, built 1994, 3 bd / 2.5 ba, unfurnished, listing features (fence, fireplace, stone counters, flooring types, septic, wooded lot).

Try the cost segregation calculator on any property →

IRS-guide safe-harbor floor: $89,000 in year 1 (16% short-life, $29,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.

5-year property$84,500

  • Kitchen cabinetsdefault

    $10,200 new × 40% good × 2.51 allocation

    $10,300

  • Kitchen countertops (stone)listing

    $10,500 new × 40% good × 2.51 allocation

    $10,500

  • Decorative trimdefault

    $3,500 new × 40% good × 2.51 allocation

    $3,600

  • Mirrorsdefault

    $300 new × 40% good × 2.51 allocation

    $300

  • Shelvingdefault

    $1,200 new × 40% good × 2.51 allocation

    $1,200

  • Window coverings (20)default

    $5,000 new × 40% good × 2.51 allocation

    $5,000

  • Carpet, vinyl & laminate (100% of floors)listing

    $13,000 new × 40% good × 2.51 allocation

    $13,100

  • Kitchen & laundry equipment plumbingdefault

    $8,000 new × 40% good × 2.51 allocation

    $8,000

  • Kitchen, laundry & data equipment electricaldefault

    $4,800 new × 40% good × 2.51 allocation

    $4,800

  • Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default

    $8,100 new × 40% good × 2.51 allocation

    $8,100

  • Furniture bought newlisting

    $19,500 new × 100% good · bought separately

    $19,500
15-year land improvements$32,900

  • Paving: driveway & walks (paved)default

    $11,700 new × 50% good × 2.51 allocation

    $14,700

  • Landscaping (minimal)listing

    $4,500 new × 50% good × 2.51 allocation

    $5,600

  • Patiosdefault

    $2,000 new × 50% good × 2.51 allocation

    $2,500

  • Decks & porches (attached)default

    $2,000 new × 50% good × 2.51 allocation

    $2,500

  • Fencinglisting

    $6,000 new × 50% good × 2.51 allocation

    $7,500
Building, 39-year$344,400

  • Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault

    $219,800 new × 47% good × 2.51 allocation

    $257,700

  • Building plumbing & fixturesdefault

    $22,800 new × 40% good × 2.51 allocation

    $22,900

  • Building electrical & lightingdefault

    $22,900 new × 40% good × 2.51 allocation

    $23,100

  • HVACdefault

    $22,800 new × 40% good × 2.51 allocation

    $22,900

  • Fireplacelisting

    $2,600 new × 40% good × 2.51 allocation

    $2,600

  • Septic systemlisting

    $12,000 new × 50% good × 2.51 allocation

    $15,100

About the property

Depreciation schedule: typical cost seg study

Year5-yr15-yrBuildingTotal
1$84,500$32,900$400$117,700
2$0$0$8,800$8,800
3$0$0$8,800$8,800
4$0$0$8,800$8,800
5$0$0$8,800$8,800
6+$0$0$308,700$308,700
Total$84,500$32,900$344,400$461,700

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

Rules differ by jurisdiction. City of Redding caps whole-home vacation rentals at 400 with a 600 ft spacing rule (300 ft with a physical buffer), and its permit is NOT transferable to a new owner. Shasta Lake city and unincorporated Shasta County allow permitted rentals with no cap found, but permits also do not transfer on sale. Lodging tax ~10% plus a 2% tourism assessment in Redding. Verify parcel eligibility with the city or county before you buy.