541 Georgia St
Big Bear Lake, CA 92315
$619,000
3 bd · 2 ba · Listed 4d ago
View on Realtor.com →Year built
1980
Sqft
—
Lot sqft
7,250
HOA / mo
None
Furnished
Yes
List date
2026-09-25T21:34:32.000000Z
Revenue
Annual revenue
$36,438
ADR
$300
Occupancy
33%
Cleaning fees (12 mo)
$7,743
Confidence
Low (50.43), 48 comps
Comp revenue range (p25 / median / p75)
Luxury boho inspired cabin close to village! mountain view, deck, fireplace!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.1 mi
Revenue $30,911ADR $334Occ ≈ 25%5★ (55)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Steps to Lake + Village- Hot Tub+Game Room+Dogs + Cottage | 3 bd · 2.5 ba · sleeps 7 | $30,102 | $354 | 23% | 4.9★ (103) | 66 ft | AirbnbVrbo |
Village Chateau, A/C, Fire, Fenced Yard, Walkable House | 3 bd · 2 ba · sleeps 8 | $57,734 | $353 | 45% | 5★ (195) | 115 ft | AirbnbVrbo |
Modern cabin with hot tub House | 3 bd · 2 ba · sleeps 8 | $24,143 | $323 | 20% | 4.9★ (67) | 151 ft | AirbnbVrbo |
Hibernation Station I Near Snow Summit House | 3 bd · 2 ba · sleeps 7 | $29,775 | $325 | 25% | 4.8★ (56) | 187 ft | AirbnbVrboBooking |
Alpine Villa - Walk to the Main Village and Lake Villa | 3 bd · 2 ba · sleeps 7 | $50,410 | $245 | 56% | 4.8★ (382) | 443 ft | AirbnbVrbo |
Enchanting Cabin with Hot Tub & Quiet Neighborhood Cabin | 3 bd · 2 ba · sleeps 8 | $33,530 | $431 | 21% | 4.6★ (43) | 463 ft | AirbnbVrboBooking |
Lake Hub Everything Big Bear, Hot Tub, Pool Table Cabin | 3 bd · 2 ba · sleeps 6 | $39,678 | $311 | 35% | 5★ (84) | 476 ft | AirbnbVrbo |
“Eurelax” - Hot Tub - Huge Yard -5 Min to Village! Cabin | 3 bd · 1 ba · sleeps 6 | $41,915 | $222 | 52% | 4.8★ (56) | 0.1 mi | AirbnbVrbo |
Midnight Pines Cabin: Cozy Get-Away Near Slopes! Cabin | 3 bd · 1 ba · sleeps 7 | $29,807 | $262 | 31% | 4.7★ (14) | 0.1 mi | AirbnbVrboBooking |
Luxury boho inspired cabin close to village! mountain view, deck, fireplace! Cabin | 3 bd · 2 ba · sleeps 7 | $30,911 | $334 | 25% | 5★ (55) | 0.1 mi | Airbnb |
Show all 49 comps
2614 - Cielos Nest
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $23,514ADR $387Occ ≈ 17%—
Bohemia big bear #1926
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $70,373ADR $1,064Occ ≈ 18%—
Modern, Cozy Mountain Cabin/close to Snow Summit
Cabin · 3 bd · 3 ba · sleeps 11 · 0.2 mi
Revenue $52,939ADR $422Occ ≈ 34%4.8★ (120)
Blues Bear Lake Retreat / Hot Tub / Walk to Lake!
House · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $19,873ADR $369Occ ≈ 15%4.8★ (114)
Big Bear Happy Place~ Hot Tub~ Games~ Walk to Village~
Vacation home · 3 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $17,861ADR $230Occ ≈ 21%3★ (1)
Family Cabin #6 3Bedroom Pet Friendly Near Town
Cabin · 3 bd · 2 ba · sleeps 10 · 0.2 mi
Revenue $26,812ADR $190Occ ≈ 39%4.3★ (60)
3 bedroom, 3 bath, 2 decks, bbq + fun yard!
House · 3 bd · 3 ba · sleeps 8 · 0.2 mi
Revenue $26,843ADR $206Occ ≈ 36%4.7★ (228)
Parkside Paradise: Slopes, Hottub, and Fireplace!
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $5,296ADR $310Occ ≈ 5%4.8★ (67)
Conklin Pines Retreat, Hot Tub Getaway, Game Room
House · 3 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $55,537ADR $299Occ ≈ 51%5★ (105)
Charming Log Cabin - Near Lake, Village & Hiking
Cabin · 3 bd · 2.5 ba · sleeps 7 · 0.2 mi
Revenue $57,354ADR $334Occ ≈ 47%5★ (287)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
2614 - Cielos Nest Vacation home | 3 bd · 2 ba · sleeps 6 | $23,514 | $387 | 17% | — | 0.1 mi | Booking |
Lakeside Living | 3BR Cabin 3min to Big Bear Lake House | 3 bd · 2 ba · sleeps 6 | $24,495 | $108 | 62% | 5★ (3) | 0.1 mi | AirbnbVrboBooking |
Bohemia big bear #1926 Vacation home | 3 bd · 2 ba · sleeps 7 | $70,373 | $1,064 | 18% | — | 0.2 mi | Booking |
Evening Breeze:Pet Friendly!Spa!Walk to Village! House | 3 bd · 2.5 ba · sleeps 10 | $39,854 | $562 | 19% | 4.7★ (104) | 0.2 mi | AirbnbVrbo |
Cielo's Nest Cabin - Stay, Relax, Enjoy Cabin | 3 bd · 2 ba · sleeps 7 | $16,247 | $299 | 15% | 5★ (3) | 0.2 mi | AirbnbVrboBooking |
Bohemia Resort Retreat- Hot Tub- Games- Ski/Hike Cabin | 3 bd · 2 ba · sleeps 7 | $32,096 | $494 | 18% | 4.8★ (31) | 0.2 mi | AirbnbVrboBooking |
Georgia on my Mind Cabin | 3 bd · 1.5 ba · sleeps 8 | $22,167 | $392 | 15% | 4.8★ (42) | 0.2 mi | AirbnbVrbo |
2B/2B Centrally Located, close to lake House | 3 bd · 2 ba · sleeps 6 | $27,623 | $164 | 46% | 4.5★ (112) | 0.2 mi | AirbnbVrboBooking |
Modern, Cozy Mountain Cabin/close to Snow Summit Cabin | 3 bd · 3 ba · sleeps 11 | $52,939 | $422 | 34% | 4.8★ (120) | 0.2 mi | Airbnb |
Modern Pet-Friendly Cabin w/ Foosball Cabin | 3 bd · 2 ba · sleeps 6 | $26,847 | $471 | 16% | 4.4★ (30) | 0.2 mi | AirbnbVrboBooking |
Kit Kats Hideaway Big Bear- Hot Tub- Games Cabin | 3 bd · 2 ba · sleeps 8 | $57,165 | $473 | 33% | 4.5★ (37) | 0.2 mi | AirbnbVrboBooking |
Barbecue + Fenced Yard + Close to Meadow Park Cabin | 3 bd · 2 ba · sleeps 5 | $4,319 | $239 | 5% | 4.3★ (3) | 0.2 mi | AirbnbVrboBooking |
Walk to Lake & Park•AC•Family Favorite •Hot Tub • House | 3 bd · 2 ba · sleeps 5 | $46,940 | $285 | 45% | 4.9★ (166) | 0.2 mi | AirbnbVrboBooking |
Blues Bear Lake Retreat / Hot Tub / Walk to Lake! House | 3 bd · 2 ba · sleeps 7 | $19,873 | $369 | 15% | 4.8★ (114) | 0.2 mi | Airbnb |
Owl's Nest-Cozy Mountain Retreat w/Private HotTub. House | 3 bd · 1 ba · sleeps 5 | $24,846 | $0 | — | 4.7★ (16) | 0.2 mi | AirbnbVrboBooking |
Wren's Nest + Hot-Tub & Games + Best Location! Cabin | 3 bd · 2 ba · sleeps 9 | $25,484 | $267 | 26% | 4.3★ (23) | 0.2 mi | AirbnbVrboBooking |
Big Bear Happy Place~ Hot Tub~ Games~ Walk to Village~ Vacation home | 3 bd · 1 ba · sleeps 6 | $17,861 | $230 | 21% | 3★ (1) | 0.2 mi | Booking |
3 Bed, 2 Bath, Game room, Walk to Lake & Dining House | 3 bd · 2 ba · sleeps 6 | $48,250 | $327 | 40% | 5★ (36) | 0.2 mi | AirbnbVrboBooking |
Big Bear Happy Place - Hot Tub- Arcade- Village Cabin | 3 bd · 1 ba · sleeps 6 | $14,792 | $362 | 11% | 4.5★ (8) | 0.2 mi | AirbnbVrboBooking |
Family Cabin #6 3Bedroom Pet Friendly Near Town Cabin | 3 bd · 2 ba · sleeps 10 | $26,812 | $190 | 39% | 4.3★ (60) | 0.2 mi | Airbnb |
3 bedroom, 3 bath, 2 decks, bbq + fun yard! House | 3 bd · 3 ba · sleeps 8 | $26,843 | $206 | 36% | 4.7★ (228) | 0.2 mi | Airbnb |
Parkside Paradise: Slopes, Hottub, and Fireplace! House | 3 bd · 2 ba · sleeps 6 | $5,296 | $310 | 5% | 4.8★ (67) | 0.2 mi | Airbnb |
Llama Bear Epic Game Room, Hot Tub & Lake Views Cabin | 3 bd · 2.5 ba · sleeps 8 | $77,468 | $456 | 47% | 5★ (49) | 0.2 mi | AirbnbVrbo |
Timberwood Cabin Elegant & Class Cabin | 3 bd · 2 ba · sleeps 8 | $20,348 | $635 | 9% | 4.9★ (10) | 0.2 mi | AirbnbVrboBooking |
Walk to the Lake & Slopes. Game Room - TPE Cabin | 3 bd · 2.5 ba · sleeps 10 | $19,375 | $570 | 9% | 4.8★ (86) | 0.2 mi | AirbnbVrboBooking |
Mountain Air Vacation home | 3 bd · 2 ba · sleeps 6 | $15,691 | $217 | 20% | — | 0.2 mi | Booking |
Hummingbird Corner*A/C - Pet Friendly / Great Loca House | 3 bd · 2 ba · sleeps 6 | $71,120 | $249 | 78% | 5★ (104) | 0.2 mi | AirbnbVrboBooking |
Eagles Nest Big Bear Lake near slopes & sport park House | 3 bd · 2.5 ba · sleeps 11 | $34,907 | $281 | 34% | 5★ (31) | 0.2 mi | AirbnbVrbo |
Located Btwn Summit&the Village!Pets OK!PoolTable! House | 3 bd · 2 ba · sleeps 8 | $33,909 | $261 | 36% | 4.8★ (48) | 0.2 mi | AirbnbVrbo |
Oriole House- Walk to Lake Chalet w/ Hot Tub Cabin | 3 bd · 2 ba · sleeps 8 | $52,469 | $706 | 20% | 3.5★ (2) | 0.2 mi | AirbnbVrbo |
Conklin Pines Retreat, Hot Tub Getaway, Game Room House | 3 bd · 2 ba · sleeps 6 | $55,537 | $299 | 51% | 5★ (105) | 0.2 mi | Airbnb |
Prime location cabin in Big Bear! Cabin | 3 bd · 2 ba · sleeps 8 | $34,058 | $497 | 19% | 4.8★ (64) | 0.2 mi | AirbnbVrboBooking |
Pickle Ball across the street, Steps 2 Lake/Park Cabin | 3 bd · 1.5 ba · sleeps 5 | $11,514 | $310 | 10% | 4.8★ (18) | 0.2 mi | AirbnbVrbo |
HOT TUB! Near Village, lake, and Snow Summit! House | 3 bd · 2 ba · sleeps 8 | $41,966 | $449 | 26% | 4.8★ (40) | 0.2 mi | AirbnbVrbo |
Doe Creek -Dog Friendly Just one mile to slopes! House | 3 bd · 2 ba · sleeps 7 | $30,166 | $323 | 26% | 4.8★ (427) | 0.2 mi | AirbnbVrbo |
Hello BigBear: AC+Billiards+Airhockey+BigYard! Cabin | 3 bd · 2 ba · sleeps 8 | $43,220 | $382 | 31% | 4.9★ (72) | 0.2 mi | AirbnbVrbo |
Charming Log Cabin - Near Lake, Village & Hiking Cabin | 3 bd · 2.5 ba · sleeps 7 | $57,354 | $334 | 47% | 5★ (287) | 0.2 mi | Airbnb |
Conklin Canopy - AC, Game Rm, Dog Friendly House | 3 bd · 2 ba · sleeps 8 | $13,352 | $274 | 13% | 5★ (6) | 0.3 mi | AirbnbVrbo |
Modern Cabin w/ Deck & Fireplace House | 3 bd · 2 ba · sleeps 8 | $35,075 | $256 | 38% | 4.4★ (30) | 0.3 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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$36,438
NOI
$12,069
Cash flow /mo
-$2,330
Cash needed
$179,510
Cash-on-cash
-15.6%
ROE (yr 1)
-3.0%
Cap rate
1.9%
DSCR
0.30
Year-1 write-off
$150,694
Year-1 tax shield @ 32%
$48,222
Year-1 return on equity
- Cash flow (annual)-$27,957
- Principal paydown$4,051
- Appreciation at%$18,570
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$7,288
- Platform fees (3% of revenue)$1,093
- Maintenance / capex (5% of revenue)$1,822
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,738
- Insurance (STR-rated)$3,157
Cash needed to close
- Down payment (25%)$154,750
- Closing costs (4.0%)$24,760
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$48,222
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
$497,000
Short-life (5/15-yr)
$150,000 · 30%
Year-1 deduction
$151,000
Year-1 tax shield @ 32%
$48,000
Land 20% (county tax record, assessed value split) · building $347,000 over 39 years
Based on: ~1,900 sq ft (from beds), built 1980, 3 bd / 2 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).
IRS-guide safe-harbor floor: $88,000 in year 1 (18% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,600
Kitchen cabinetsdefault
$10,000 new × 40% good × 3.15 allocation
- $10,300
Kitchen countertopsdefault
$8,200 new × 40% good × 3.15 allocation
- $4,200
Decorative trimdefault
$3,300 new × 40% good × 3.15 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.15 allocation
- $1,500
Shelvingdefault
$1,200 new × 40% good × 3.15 allocation
- $6,000
Window coverings (19)default
$4,800 new × 40% good × 3.15 allocation
- $15,400
Carpet, vinyl & laminate (100% of floors)listing
$12,200 new × 40% good × 3.15 allocation
- $9,800
Kitchen & laundry equipment plumbingdefault
$7,800 new × 40% good × 3.15 allocation
- $5,900
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 40% good × 3.15 allocation
- $7,700
Appliances (range, microwave, disposal, refrigerator, dryer)listing
$6,100 new × 40% good × 3.15 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $17,800
Paving: driveway & walks (paved)default
$11,300 new × 50% good × 3.15 allocation
- $13,700
Landscaping (typical)default
$8,700 new × 50% good × 3.15 allocation
- $3,000
Patiosdefault
$1,900 new × 50% good × 3.15 allocation
- $33,700
Decks & porches (attached)listing
$21,400 new × 50% good × 3.15 allocation
- $259,700
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$206,100 new × 40% good × 3.15 allocation
- $26,900
Building plumbing & fixturesdefault
$21,400 new × 40% good × 3.15 allocation
- $26,900
Building electrical & lightingdefault
$21,400 new × 40% good × 3.15 allocation
- $27,000
HVACdefault
$21,400 new × 40% good × 3.15 allocation
- $6,600
Fireplaces (2)listing
$5,300 new × 40% good × 3.15 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $81,500 | $68,100 | $1,100 | $150,700 |
| 2 | $0 | $0 | $8,900 | $8,900 |
| 3 | $0 | $0 | $8,900 | $8,900 |
| 4 | $0 | $0 | $8,900 | $8,900 |
| 5 | $0 | $0 | $8,900 | $8,900 |
| 6+ | $0 | $0 | $310,500 | $310,500 |
| Total | $81,500 | $68,100 | $347,200 | $496,800 |
The building's share of the price ($489,000) is 3.2x our depreciated replacement cost of the home ($155,000). 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.