636 Talmadge Rd
Big Bear Lake, CA 92315
$800,000
4 bd · 2.5 ba · 2,042 sqft · Listed 1d ago
View on Realtor.com →Year built
1988
Sqft
2,042
Lot sqft
12,680
HOA / mo
None
Furnished
No
List date
2026-10-27T16:41:41.000000Z
Revenue
Annual revenue
$58,167
ADR
$456
Occupancy
35%
Cleaning fees (12 mo)
$11,791
Confidence
Low (25.04), 48 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $39,413
BEAUTIFUL LAKE VIEW, 5min walk to Village!
Cabin · 4 bd · 2.5 ba · sleeps 10 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +5
Revenue $51,182ADR $462Occ ≈ 30%4.9★ (176)
Storybook Summit: Theater, Arcade, Spa, and more!
Cabin · 4 bd · 3 ba · sleeps 12 · 0.1 mi
Revenue $134,817ADR $676Occ ≈ 55%4.9★ (12)
Luxury Lakeview Cabin w/ Deck, Fireplace & Views
Vacation home · 4 bd · 2 ba · sleeps 12 · 0.2 mi
Revenue $13,853ADR $576Occ ≈ 7%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Bear Trail Cabin Cabin | 4 bd · 3.5 ba · sleeps 9 | $40,232 | $438 | 25% | 3.2★ (10) | 240 ft | AirbnbBooking |
NEW 3 Cubs Cabin + Close to the Village & Lake Cabin | 4 bd · 3.5 ba · sleeps 9 | $41,302 | $475 | 24% | 4.4★ (69) | 374 ft | AirbnbVrbo |
Storybook Summit: Theater, Arcade, Spa, and more! Cabin | 4 bd · 3 ba · sleeps 12 | $122,659 | $655 | 51% | 5★ (8) | 387 ft | AirbnbVrboBooking |
Walk to Lake & Village | Fireplace, Deck Cabin | 4 bd · 3 ba · sleeps 11 | $24,616 | $417 | 16% | 4.8★ (36) | 0.1 mi | AirbnbVrboBooking |
BEAUTIFUL LAKE VIEW, 5min walk to Village! Cabin
| 4 bd · 2.5 ba · sleeps 10 | $51,182 | $462 | 30% | 4.9★ (176) | 0.1 mi | Vrbo |
Luxury Lakeview Cabin w/ Deck, Fireplace & Views Cabin
| 4 bd · 2 ba · sleeps 12 | $24,272 | $437 | 15% | 5★ (13) | 0.1 mi | AirbnbVrbo |
Storybook Summit: Theater, Arcade, Spa, and more! Cabin | 4 bd · 3 ba · sleeps 12 | $134,817 | $676 | 55% | 4.9★ (12) | 0.1 mi | Airbnb |
Lake House Charm Close to Village W/Spacious Deck House
| 4 bd · 2 ba · sleeps 10 | $25,538 | $278 | 25% | 4.7★ (196) | 0.2 mi | AirbnbVrbo |
Luxury Lakeview Cabin w/ Deck, Fireplace & Views Vacation home | 4 bd · 2 ba · sleeps 12 | $13,853 | $576 | 7% | — | 0.2 mi | Booking |
•Change of Scenery •New •Modern •Family Friendly House | 4 bd · 3.5 ba · sleeps 10 | $9,792 | $674 | 4% | 4.9★ (24) | 0.2 mi | AirbnbVrbo |
Show 20 more
Lakefront Village Castle- Foosball- Boat Dock-
Chalet · 4 bd · 3 ba · sleeps 12 · 0.2 mi
Revenue $72,135ADR $921Occ ≈ 21%5★ (2)
Bearlagio on the Lake with Dock Access
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.2 mi
Revenue $1,900ADR $323Occ ≈ 2%—
Hot Tub + Game Room + Walk to Village
House · 4 bd · 2 ba · sleeps 9 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +5
Revenue $24,243ADR $472Occ ≈ 14%5★ (7)
Modoc Cabin at Big Bear Village - Charming Downtown Family Retreat - Foosball - Fireplace - Sun Deck
Vacation home · 4 bd · 2 ba · sleeps 9 · 0.2 mi
Revenue $96,142ADR $862Occ ≈ 31%—
Modoc Cabin at Big Bear Village - Family Retreat
Cabin · 4 bd · 2 ba · sleeps 9 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $11,562ADR $557Occ ≈ 6%5★ (3)
Cozy modern Newly Built Cabin
House · 4 bd · 3.5 ba · sleeps 13 · 0.2 mi
Revenue $38,593ADR $588Occ ≈ 18%5★ (11)
Cozy Lakeview Retreat • GameRoom • Walk to Village
Cabin · 4 bd · 3 ba · sleeps 10 · 0.2 mi
Revenue $31,968ADR $636Occ ≈ 14%5★ (4)
Lakeview | Game Room | BBQ
Cabin · 4 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $942ADR $279Occ ≈ 1%5★ (2)
Bear Claw Cabin - Walk to Village Cabin w/ Hot Tub and Game Room
Vacation home · 4 bd · 2 ba · sleeps 9 · 0.3 mi
Revenue $58,842ADR $914Occ ≈ 18%4★ (6)
Across from Lake! EV charger/Jacuzzi/ Pool table!
House · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $63,900ADR $597Occ ≈ 29%5★ (242)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Lakefront Village Castle- Foosball- Boat Dock- Chalet | 4 bd · 3 ba · sleeps 12 | $72,135 | $921 | 21% | 5★ (2) | 0.2 mi | Booking |
Big Bear Lake House with Hot Tub and EV Charger House
| 4 bd · 3 ba · sleeps 10 | $43,162 | $510 | 23% | 4.8★ (96) | 0.2 mi | AirbnbVrbo |
Bearlagio on the Lake with Dock Access Vacation home | 4 bd · 3 ba · sleeps 10 | $1,900 | $323 | 2% | — | 0.2 mi | Booking |
Hot Tub + Game Room + Walk to Village House
| 4 bd · 2 ba · sleeps 9 | $24,243 | $472 | 14% | 5★ (7) | 0.2 mi | Airbnb |
Modoc Cabin at Big Bear Village - Charming Downtown Family Retreat - Foosball - Fireplace - Sun Deck Vacation home | 4 bd · 2 ba · sleeps 9 | $96,142 | $862 | 31% | — | 0.2 mi | Booking |
Modoc Cabin at Big Bear Village - Family Retreat Cabin
| 4 bd · 2 ba · sleeps 9 | $11,562 | $557 | 6% | 5★ (3) | 0.2 mi | Airbnb |
Safari lodge Cabin Cabin
| 4 bd · 3 ba · sleeps 12 | $3,300 | $825 | 1% | 3.8★ (15) | 0.2 mi | AirbnbVrboBooking |
Cozy modern Newly Built Cabin House | 4 bd · 3.5 ba · sleeps 13 | $38,593 | $588 | 18% | 5★ (11) | 0.2 mi | Airbnb |
**LOCATION!!** Lake View, Hot Tub & Game Room Vacation home
| 4 bd · 2 ba · sleeps 9 | $76,654 | $536 | 39% | 5★ (172) | 0.2 mi | AirbnbVrboBooking |
The Pines Modern Retreat at Big Bear Village Cabin | 4 bd · 3.5 ba · sleeps 10 | $49,529 | $1,002 | 14% | 4.4★ (18) | 0.2 mi | AirbnbBooking |
Pine Meadow Village Castle at Big Bear Lake Cabin | 4 bd · 3.5 ba · sleeps 13 | $60,645 | $960 | 17% | 4.7★ (15) | 0.2 mi | AirbnbVrboBooking |
Custom 4BR | Next to Alpine Slide, Walk to Village House | 4 bd · 3.5 ba · sleeps 13 | $37,341 | $928 | 11% | 5★ (63) | 0.2 mi | AirbnbVrbo |
Cozy Lakeview Retreat • GameRoom • Walk to Village Cabin | 4 bd · 3 ba · sleeps 10 | $31,968 | $636 | 14% | 5★ (4) | 0.2 mi | Airbnb |
Lakeview | Game Room | BBQ Cabin | 4 bd · 2 ba · sleeps 10 | $942 | $279 | 1% | 5★ (2) | 0.3 mi | Airbnb |
1 Mi to Lake: Home w/ Hot Tub & Gazebo in Big Bear House
| 4 bd · 3 ba · sleeps 12 | $56,808 | $470 | 33% | 4.5★ (61) | 0.3 mi | AirbnbVrboBooking |
Walk to Village & Lake | Game Room + Yard Chalet
| 4 bd · 3 ba · sleeps 10 | $19,323 | $495 | 11% | 4.6★ (14) | 0.3 mi | AirbnbVrboBooking |
Bear Claw Cabin - Walk to Village Cabin w/ Hot Tub and Game Room Vacation home | 4 bd · 2 ba · sleeps 9 | $58,842 | $914 | 18% | 4★ (6) | 0.3 mi | Booking |
Cozy cabin w/ hot tub, backyard & BBQ grill House
| 4 bd · 3 ba · sleeps 10 | $22,369 | $586 | 10% | 5★ (245) | 0.3 mi | AirbnbVrbo |
Across from Lake! EV charger/Jacuzzi/ Pool table! House | 4 bd · 3 ba · sleeps 10 | $63,900 | $597 | 29% | 5★ (242) | 0.3 mi | Airbnb |
4BR Lakeview Cabin | Hot Tub • Firepit • Game Room Cabin
| 4 bd · 3 ba · sleeps 13 | $124,147 | $669 | 51% | 4.9★ (82) | 0.4 mi | AirbnbVrbo |
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 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium
Est. revenue
$58,167
NOI
$24,800
Cash flow /mo
-$2,365
Cash needed
$261,000
Cash-on-cash
-10.9%
ROE (yr 1)
0.2%
Cap rate
3.1%
DSCR
0.47
Year-1 write-off
$190,583
Year-1 tax shield @ 32%
$60,986
Year-1 return on equity
- Cash flow (annual)-$28,383
- Principal paydown$4,943
- Appreciation at%$24,000
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)$11,633
- Platform fees (3% of revenue)$1,745
- Maintenance / capex (5% of revenue)$2,908
- Utilities & supplies$4,200
- HOA$0
- Property tax$10,000
- Insurance (STR-rated)$4,080
Cash needed to close
- Down payment (25%)$200,000
- Closing costs (4.0%)$32,000
- Furnishing (bought new)$29,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$60,986
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
$640,000
Short-life (5/15-yr)
$161,000 · 25%
Year-1 deduction
$191,000
Year-1 tax shield @ 32%
$61,000
Land 20% (county tax record, assessed value split) · building $479,000 over 39 years · new furniture $29,000
Based on: 2,042 sq ft, built 1988, 4 bd / 2.5 ba, unfurnished, listing features (hot tub, patio, game room, fireplace).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $148,000 in year 1 (19% short-life, $47,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $16,400
Kitchen cabinetsdefault
$10,300 new × 40% good × 3.98 allocation
- $13,400
Kitchen countertopsdefault
$8,400 new × 40% good × 3.98 allocation
- $5,700
Decorative trimdefault
$3,600 new × 40% good × 3.98 allocation
- $500
Mirrorsdefault
$300 new × 40% good × 3.98 allocation
- $2,400
Shelvingdefault
$1,500 new × 40% good × 3.98 allocation
- $8,000
Window coverings (20)default
$5,000 new × 40% good × 3.98 allocation
- $8,400
Carpet, vinyl & laminate (40% of floors)default
$5,300 new × 40% good × 3.98 allocation
- $12,700
Kitchen & laundry equipment plumbingdefault
$8,000 new × 40% good × 3.98 allocation
- $7,700
Kitchen, laundry & data equipment electricaldefault
$4,800 new × 40% good × 3.98 allocation
- $12,900
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 3.98 allocation
- $14,300
Hot tub (freestanding)listing
$9,000 new × 40% good × 3.98 allocation
- $23,000
Furniture bought newlisting
$23,000 new × 100% good · bought separately
- $6,000
Game-room equipment bought newlisting
$6,000 new × 100% good · bought separately
- $18,600
Paving: driveway & walks (paved)default
$9,400 new × 50% good × 3.98 allocation
- $17,900
Landscaping (typical)default
$9,000 new × 50% good × 3.98 allocation
- $18,300
Patioslisting
$9,200 new × 50% good × 3.98 allocation
- $4,000
Decks & porches (attached)default
$2,000 new × 50% good × 3.98 allocation
- $352,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$221,300 new × 40% good × 3.98 allocation
- $36,600
Building plumbing & fixturesdefault
$23,000 new × 40% good × 3.98 allocation
- $36,800
Building electrical & lightingdefault
$23,200 new × 40% good × 3.98 allocation
- $36,600
HVACdefault
$23,000 new × 40% good × 3.98 allocation
- $12,500
Hardwood & tile floorsdefault
$7,900 new × 40% good × 3.98 allocation
- $4,200
Fireplacelisting
$2,600 new × 40% good × 3.98 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $131,200 | $58,800 | $500 | $190,600 |
| 2 | $0 | $0 | $12,300 | $12,300 |
| 3 | $0 | $0 | $12,300 | $12,300 |
| 4 | $0 | $0 | $12,300 | $12,300 |
| 5 | $0 | $0 | $12,300 | $12,300 |
| 6+ | $0 | $0 | $429,300 | $429,300 |
| Total | $131,200 | $58,800 | $478,900 | $669,000 |
The building's share of the price ($640,000) is 4.0x our depreciated replacement cost of the home ($161,000). 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.