481 Vista Ln
Big Bear Lake, CA 92315
$639,000
2 bd · 2 ba · Listed 2d ago
View on Realtor.com →Year built
1930
Sqft
—
Lot sqft
7,500
HOA / mo
None
Furnished
Yes
List date
2026-10-05T16:29:41.000000Z
Revenue
Annual revenue
$30,976
ADR
$224
Occupancy
38%
Cleaning fees (12 mo)
$7,001
Confidence
Med (54.89), 48 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $31,285
walking distance to lake & village , Hot Tub
Cabin · 2 bd · 1 ba · sleeps 4 · 226 ft
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $38,796ADR $229Occ ≈ 46%5★ (331)
< 1 Mi to Big Bear Lake: Cabin w/ Hot Tub
Cabin · 2 bd · 2 ba · sleeps 6 · 410 ft
Revenue $32,147ADR $356Occ ≈ 25%5★ (6)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Cozy cabin-Hot tub-fenced yard- A/C - Pet friendly Cabin
| 2 bd · 1 ba · sleeps 5 | $30,758 | $319 | 26% | 5★ (88) | 62 ft | AirbnbVrbo |
Eagle Peak Walk to Village & Lake Fire Pit Cabin
| 2 bd · 2 ba · sleeps 5 | $37,778 | $246 | 42% | 4.8★ (64) | 151 ft | AirbnbVrboBooking |
Hot Tub, BBQ, Close to Lake, Pets OK Cabin
| 2 bd · 2 ba · sleeps 5 | $53,151 | $245 | 59% | 5★ (221) | 220 ft | AirbnbVrbo |
walking distance to lake & village , Hot Tub Cabin
| 2 bd · 1 ba · sleeps 4 | $38,796 | $229 | 46% | 5★ (331) | 226 ft | Airbnb |
< 1 Mi to Big Bear Lake: Cabin w/ Hot Tub Cabin | 2 bd · 2 ba · sleeps 6 | $32,147 | $356 | 25% | 5★ (6) | 410 ft | Airbnb |
Ursa Minor Cabin | BBQ | Fire Pit on Deck | Max 4 House
| 2 bd · 1 ba · sleeps 4 | $23,368 | $202 | 32% | 4.8★ (35) | 433 ft | AirbnbVrbo |
No Worries! Cozy Big Bear Cabin with Hot Tub! House
| 2 bd · 1.5 ba · sleeps 4 | $27,881 | $182 | 42% | 4.5★ (81) | 492 ft | AirbnbVrbo |
Charming Big Bear Cabin + Fireplace + Walk to Lake Cabin
| 2 bd · 2 ba · sleeps 4 | $14,561 | $259 | 15% | 4★ (8) | 0.1 mi | AirbnbVrboBooking |
Cozy Den - AC, Pets, Sled Hill, BBQ, Ski, By Lake Cabin
| 2 bd · 1.5 ba · sleeps 5 | $37,726 | $206 | 50% | 4.9★ (130) | 0.1 mi | AirbnbVrbo |
Wine Down Cabin - great LOCATION + SPA + PET ok Cabin
| 2 bd · 1 ba · sleeps 5 | $49,892 | $252 | 54% | 5★ (1035) | 0.1 mi | AirbnbVrbo |
Show 30 more
3 story cabin In the heart of Big Bear Lake
House · 2 bd · 2 ba · sleeps 6 · 0.1 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +3
Revenue $34,954ADR $177Occ ≈ 54%4.9★ (367)
Serenity's Whisper: Peaceful Lakeside Cabin
House · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $39,768ADR $138Occ ≈ 79%4.9★ (84)
Lakewood Landing / Near the Lake!
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Free parking
- Wifi
- Kitchen
- Fireplace
- +1
Revenue $5,591ADR $265Occ ≈ 6%4.8★ (7)
VISTA HOUSE - 2 Cabins for one price Walk to LAKE!
Cabin · 2 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $31,812ADR $264Occ ≈ 33%4.8★ (125)
Open Concept w Hot Tub, Kayaks, & Mountain View’s
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $59,300ADR $189Occ ≈ 86%5★ (511)
Starbright Cabin-AC, hot tub, close to everything
Cabin · 2 bd · 1 ba · sleeps 5 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $40,923ADR $210Occ ≈ 53%4.9★ (377)
DreamcatcherCabin, BBQ! TV in Bedroom&Living-room!
House · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $10,785ADR $2,261Occ ≈ 1%4.8★ (94)
Delisted
L'Abri Cozy Cottage - Vintage charm near Village
House · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +1
Revenue $29,906ADR $206Occ ≈ 40%5★ (31)
Lil Oso Bonita Cabin
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $46,602ADR $172Occ ≈ 74%4.5★ (1)
Modern Cabin, Fully Fenced Yard Hot Tub, Waterfall
Cabin · 2 bd · 2.5 ba · sleeps 6 · 0.2 mi
- Hot tub
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $25,405ADR $398Occ ≈ 17%5★ (81)
Sweet Dream Cabin on Dream Street | Walk to Alpine Slide, Dining, & Big Bear Fun
Vacation home · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $33,080ADR $295Occ ≈ 31%—
Temple treasure #1699
Vacation home · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $4,193ADR $188Occ ≈ 6%—
Cozy Cabin Close to the Village
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +1
Revenue $23,832ADR $164Occ ≈ 40%4.8★ (164)
Owl Cabin: Lakeside Serenity (house for sale)
House · 2 bd · 1.5 ba · sleeps 5 · 0.2 mi
Revenue $20,298ADR $179Occ ≈ 31%5★ (56)
Delisted
Secret Hideaway Big Bear Lake (VRR-2023-0970)
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $8,897ADR $202Occ ≈ 12%4.7★ (68)
COZY BEAR Cabin- AC! Fenced Yard! Near Lake!
Cabin · 2 bd · 1 ba · sleeps 5 · 0.2 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $35,276ADR $187Occ ≈ 52%4.9★ (238)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Private Hot Tub | Walk to Lake + Village Cabin
| 2 bd · 1 ba · sleeps 4 | $15,450 | $297 | 14% | 4★ (27) | 0.1 mi | AirbnbVrboBooking |
3 story cabin In the heart of Big Bear Lake House
| 2 bd · 2 ba · sleeps 6 | $34,954 | $177 | 54% | 4.9★ (367) | 0.1 mi | Airbnb |
Hot Tub View-Walk to Lake & Village House
| 2 bd · 1 ba · sleeps 5 | $33,184 | $203 | 45% | 4.8★ (570) | 0.1 mi | AirbnbVrbo |
Serenity's Whisper: Peaceful Lakeside Cabin House
| 2 bd · 1 ba · sleeps 4 | $39,768 | $138 | 79% | 4.9★ (84) | 0.1 mi | Airbnb |
Lakewood Landing / Near the Lake! Cabin
| 2 bd · 1 ba · sleeps 4 | $5,591 | $265 | 6% | 4.8★ (7) | 0.1 mi | Airbnb |
VISTA HOUSE - 2 Cabins for one price Walk to LAKE! Cabin | 2 bd · 2 ba · sleeps 8 | $31,812 | $264 | 33% | 4.8★ (125) | 0.1 mi | Airbnb |
Open Concept w Hot Tub, Kayaks, & Mountain View’s Cabin
| 2 bd · 1 ba · sleeps 4 | $59,300 | $189 | 86% | 5★ (511) | 0.1 mi | Airbnb |
Starbright Cabin-AC, hot tub, close to everything Cabin
| 2 bd · 1 ba · sleeps 5 | $40,923 | $210 | 53% | 4.9★ (377) | 0.1 mi | Airbnb |
Hot Tub + Fenced Yard Chalet
| 2 bd · 1 ba · sleeps 4 | $13,640 | $226 | 17% | 3.9★ (13) | 0.1 mi | AirbnbVrboBooking |
Little Lake Lodge House
| 2 bd · 1 ba · sleeps 4 | $8,789 | $266 | 9% | 4.9★ (16) | 0.1 mi | AirbnbVrbo |
DreamcatcherCabin, BBQ! TV in Bedroom&Living-room! House | 2 bd · 1 ba · sleeps 4 | $10,785 | $2,261 | 1% | 4.8★ (94) | 0.1 mi | Delisted |
Walk to the lake, pickleball,retro arcade & kayak Cabin
| 2 bd · 1.5 ba · sleeps 4 | $21,842 | $277 | 22% | 4.7★ (84) | 0.1 mi | AirbnbVrbo |
Modern Rustic Escape, Romantic Loft, Cozy Hot Tub Cabin
| 2 bd · 1 ba · sleeps 4 | $43,499 | $250 | 48% | 5★ (180) | 0.1 mi | AirbnbVrbo |
L'Abri Cozy Cottage - Vintage charm near Village House
| 2 bd · 1 ba · sleeps 4 | $29,906 | $206 | 40% | 5★ (31) | 0.1 mi | Airbnb |
Lil Oso Bonita Cabin Vacation home | 2 bd · 1 ba · sleeps 4 | $46,602 | $172 | 74% | 4.5★ (1) | 0.1 mi | Booking |
Vista Pines at Big Bear Lake– Mountain Retreat Cabin
| 2 bd · 2 ba · sleeps 5 | $26,939 | $710 | 10% | 3.5★ (7) | 0.1 mi | AirbnbVrboBooking |
Midnight Chalet A-Frame | Spa, Fireplace, BBQ Cabin
| 2 bd · 1 ba · sleeps 5 | $54,252 | $229 | 65% | 4.9★ (176) | 0.1 mi | AirbnbVrbo |
Lil' Oso Bonita | Walk 2 the Village, Games & SPA Cabin
| 2 bd · 1 ba · sleeps 4 | $47,719 | $190 | 69% | 4.8★ (91) | 0.1 mi | AirbnbVrbo |
Modern Cabin, Fully Fenced Yard Hot Tub, Waterfall Cabin
| 2 bd · 2.5 ba · sleeps 6 | $25,405 | $398 | 17% | 5★ (81) | 0.2 mi | Airbnb |
Sweet Dream Cabin on Dream Street | Walk to Alpine Slide, Dining, & Big Bear Fun Vacation home | 2 bd · 1 ba · sleeps 5 | $33,080 | $295 | 31% | — | 0.2 mi | Booking |
Dream Lake Cabin | Hot Tub, EV & Walk to Lake Cabin
| 2 bd · 1 ba · sleeps 4 | $51,072 | $183 | 76% | 4.8★ (42) | 0.2 mi | AirbnbVrboBooking |
Temple treasure #1699 Vacation home | 2 bd · 1 ba · sleeps 5 | $4,193 | $188 | 6% | — | 0.2 mi | Booking |
Cozy Cabin Close to the Village Cabin
| 2 bd · 1 ba · sleeps 4 | $23,832 | $164 | 40% | 4.8★ (164) | 0.2 mi | Airbnb |
Owl Cabin: Lakeside Serenity (house for sale) House | 2 bd · 1.5 ba · sleeps 5 | $20,298 | $179 | 31% | 5★ (56) | 0.2 mi | Delisted |
Secret Hideaway Big Bear Lake (VRR-2023-0970) Cabin
| 2 bd · 1 ba · sleeps 4 | $8,897 | $202 | 12% | 4.7★ (68) | 0.2 mi | Airbnb |
Hot Tub Retreat Close to Slopes & Village Chalet
| 2 bd · 2 ba · sleeps 5 | $11,418 | $328 | 10% | 4.8★ (14) | 0.2 mi | AirbnbVrboBooking |
Sweet Dream Cabin Walk to Alpine Slide Cabin
| 2 bd · 1 ba · sleeps 5 | $23,864 | $234 | 28% | 4.2★ (6) | 0.2 mi | AirbnbVrboBooking |
COZY BEAR Cabin- AC! Fenced Yard! Near Lake! Cabin
| 2 bd · 1 ba · sleeps 5 | $35,276 | $187 | 52% | 4.9★ (238) | 0.2 mi | Airbnb |
Pine Nest Marina Retreat at Big Bear- Marina Area Cabin
| 2 bd · 2 ba · sleeps 7 | $14,122 | $570 | 7% | 4★ (7) | 0.2 mi | AirbnbVrboBooking |
Esterly Hideaway • Spa • Fenced Yard • Firepit House
| 2 bd · 1 ba · sleeps 5 | $34,913 | $214 | 45% | 4.8★ (319) | 0.2 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 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$30,976
NOI
$7,815
Cash flow /mo
-$2,875
Cash needed
$185,310
Cash-on-cash
-18.6%
ROE (yr 1)
-6.1%
Cap rate
1.2%
DSCR
0.18
Year-1 write-off
$155,664
Year-1 tax shield @ 32%
$49,813
Year-1 return on equity
- Cash flow (annual)-$34,504
- Principal paydown$3,980
- Appreciation at%$19,170
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)$6,195
- Platform fees (3% of revenue)$929
- Maintenance / capex (5% of revenue)$1,549
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,988
- Insurance (STR-rated)$3,259
Cash needed to close
- Down payment (25%)$159,750
- Closing costs (4.0%)$25,560
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$49,813
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
$486,000
Short-life (5/15-yr)
$155,000 · 32%
Year-1 deduction
$156,000
Year-1 tax shield @ 32%
$50,000
Land 24% (county tax record, assessed value split) · building $331,000 over 39 years
Based on: ~1,400 sq ft (from beds), built 1930, 2 bd / 2 ba, furnished, listing features (deck, fence, fireplace, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $92,000 in year 1 (19% short-life, $30,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $14,200
Kitchen cabinetsdefault
$8,900 new × 40% good × 4.01 allocation
- $11,600
Kitchen countertopsdefault
$7,300 new × 40% good × 4.01 allocation
- $3,900
Decorative trimdefault
$2,500 new × 40% good × 4.01 allocation
- $500
Mirrorsdefault
$300 new × 40% good × 4.01 allocation
- $1,400
Shelvingdefault
$900 new × 40% good × 4.01 allocation
- $5,600
Window coverings (14)default
$3,500 new × 40% good × 4.01 allocation
- $5,800
Carpet, vinyl & laminate (40% of floors)default
$3,600 new × 40% good × 4.01 allocation
- $11,100
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 4.01 allocation
- $6,700
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 4.01 allocation
- $11,200
Appliances (range, dishwasher, refrigerator, washer, dryer)listing
$7,000 new × 40% good × 4.01 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $15,500
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 4.01 allocation
- $15,000
Landscaping (typical)default
$7,500 new × 50% good × 4.01 allocation
- $2,800
Patiosdefault
$1,400 new × 50% good × 4.01 allocation
- $31,600
Decks & porches (attached)listing
$15,800 new × 50% good × 4.01 allocation
- $12,000
Fencinglisting
$6,000 new × 50% good × 4.01 allocation
- $243,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,800 new × 40% good × 4.01 allocation
- $25,200
Building plumbing & fixturesdefault
$15,700 new × 40% good × 4.01 allocation
- $24,100
Building electrical & lightingdefault
$15,000 new × 40% good × 4.01 allocation
- $25,300
HVACdefault
$15,800 new × 40% good × 4.01 allocation
- $8,700
Hardwood & tile floorsdefault
$5,400 new × 40% good × 4.01 allocation
- $4,200
Fireplacelisting
$2,600 new × 40% good × 4.01 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $78,500 | $76,900 | $400 | $155,700 |
| 2 | $0 | $0 | $8,500 | $8,500 |
| 3 | $0 | $0 | $8,500 | $8,500 |
| 4 | $0 | $0 | $8,500 | $8,500 |
| 5 | $0 | $0 | $8,500 | $8,500 |
| 6+ | $0 | $0 | $296,500 | $296,500 |
| Total | $78,500 | $76,900 | $330,700 | $486,100 |
The building's share of the price ($480,000) is 4.0x our depreciated replacement cost of the home ($120,000). 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.