43170 Moonridge Rd
Big Bear Lake, CA 92315
$855,000
4 bd · 2.5 ba · 2,152 sqft · Listed 17d ago
View on Realtor.com →Year built
1981
Sqft
2,152
Lot sqft
9,252
HOA / mo
$0
Furnished
No
List date
2026-09-12T16:00:04.000000Z
Revenue
Annual revenue
$48,229
ADR
$507
Occupancy
26%
Cleaning fees (12 mo)
$8,371
Confidence
Low (41.86), 46 comps
Comp revenue range (p25 / median / p75)
Walk to Ski Lift: Gem w/ Hot Tub in Big Bear Lake
Vacation home · 4 bd · 3 ba · sleeps 13 · 0.1 mi
Revenue $45,624ADR $814Occ ≈ 15%5★ (1)
Cozy Red Cabin in Big Bear Lake about 1 Mi to Slopes
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $9,553ADR $809Occ ≈ 3%—
"Red Moose Lodge"pool tbl, ev, spa, pets ok.
Cabin · 4 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $579ADR $579Occ ≈ 0%5★ (1)
Luxury A-Frame at Bear Mtn | Hot tub and game room
House · 4 bd · 2 ba · sleeps 12 · 0.2 mi
Revenue $19,105ADR $557Occ ≈ 9%5★ (4)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Walk to Ski Resort: Mtn-View Cabin w/ Hot Tub! Cabin | 4 bd · 2.5 ba · sleeps 10 | $44,245 | $632 | 19% | 4.7★ (40) | 23 ft | AirbnbVrboBooking |
 Walk to the Slopes from Modern Cabin with Hot Tub, Moonridge Cabin | 4 bd · 2 ba · sleeps 8 | $68,173 | $486 | 38% | 4.8★ (458) | 404 ft | AirbnbVrboBooking |
Walk to Ski Lift: Gem w/ Hot Tub in Big Bear Lake Cabin | 4 bd · 2.5 ba · sleeps 13 | $68,171 | $720 | 26% | 4.9★ (87) | 0.1 mi | AirbnbVrbo |
Walk to Ski Lift: Gem w/ Hot Tub in Big Bear Lake Vacation home | 4 bd · 3 ba · sleeps 13 | $45,624 | $814 | 15% | 5★ (1) | 0.1 mi | Booking |
Cozy Red Cabin in Big Bear Lake about 1 Mi to Slopes Vacation home | 4 bd · 2 ba · sleeps 8 | $9,553 | $809 | 3% | — | 0.1 mi | Booking |
Luxury Cabin-Walk to Golf, Trails & Ski Cabin | 4 bd · 3.5 ba · sleeps 15 | $1,888 | $944 | 1% | 5★ (77) | 0.1 mi | AirbnbVrboBooking |
Game Room, Hot Tub, Pool Table, Foosball Cabin | 4 bd · 2 ba · sleeps 7 | $46,983 | $0 | — | 5★ (2) | 0.1 mi | AirbnbBooking |
"Red Moose Lodge"pool tbl, ev, spa, pets ok. Cabin | 4 bd · 2 ba · sleeps 7 | $579 | $579 | 0% | 5★ (1) | 0.2 mi | Airbnb |
Bear Mtn Chalet |Walk 2 Zoo, Bear Mtn & Golf+Games House | 4 bd · 3.5 ba · sleeps 12 | $26,027 | $550 | 13% | 4.8★ (47) | 0.2 mi | AirbnbVrbo |
Luxury A-Frame at Bear Mtn | Hot tub and game room House | 4 bd · 2 ba · sleeps 12 | $19,105 | $557 | 9% | 5★ (4) | 0.2 mi | Airbnb |
Show all 47 comps
Chipmunk Treehouse #1983
Vacation home · 4 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $63,357ADR $1,508Occ ≈ 12%—
A-Frame Luxury Escape
Vacation home · 4 bd · 2 ba · sleeps 12 · 0.2 mi
Revenue $107,311ADR $761Occ ≈ 39%3.5★ (1)
Panoramic Views! HOT TUB! Near Bear Mtn, Golf&Zoo!
House · 4 bd · 3 ba · sleeps 9 · 0.3 mi
Revenue $26,659ADR $396Occ ≈ 18%5★ (8)
LOWER Moonridge HOT TUB GAME ROOM SKI Slopes CLOSE
Vacation home · 4 bd · 3 ba · sleeps 8 · 0.3 mi
Revenue $75,429ADR $571Occ ≈ 36%—
Fairway to Heaven w/ Hot Tub Views Of Golf Course
Cabin · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $62,549ADR $458Occ ≈ 37%4.8★ (47)
Fairway to Heaven
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $52,280ADR $398Occ ≈ 36%—
Balsam Boho - Walk to the Slopes!
Cabin · 4 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $54,232ADR $260Occ ≈ 57%4.7★ (191)
Le Vonde Chalet - Luxury log-style, Hot Tub, Game Room, Fire Pit, Walk to Slopes
Vacation home · 4 bd · 3 ba · sleeps 11 · 0.3 mi
Revenue $38,056ADR $835Occ ≈ 12%—
1 min walk to Bear Mtn + Fresh Snow Here + 9 beds.
Cabin · 4 bd · 3 ba · sleeps 12 · 0.3 mi
Revenue $54,673ADR $1,011Occ ≈ 15%5★ (2)
Moonridge Golf Escape | Firepit | Walk to Slopes
House · 4 bd · 2.5 ba · sleeps 12 · 0.3 mi
Revenue $31,790ADR $502Occ ≈ 17%4.8★ (13)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Walking Distance to Bear Mtn!Hot Tub!Fenced Yard! House | 4 bd · 3 ba · sleeps 9 | $41,518 | $509 | 22% | 4.9★ (25) | 0.2 mi | AirbnbVrboBooking |
1 Mi to Slopes: Big Bear Lake 'Alpen Haus' w/ Spa Cabin | 4 bd · 3 ba · sleeps 11 | $43,340 | $498 | 24% | 4.8★ (57) | 0.2 mi | AirbnbVrboBooking |
Game Room! Yard! Fireplaces! BBQ! Hot Tub! House | 4 bd · 3.5 ba · sleeps 12 | $36,482 | $513 | 19% | 4.5★ (116) | 0.2 mi | AirbnbVrbo |
Chipmunk Treehouse Resort Chalet at Big Bear Cabin | 4 bd · 2 ba · sleeps 8 | $45,038 | $512 | 24% | 3.7★ (7) | 0.2 mi | AirbnbVrboBooking |
Chipmunk Treehouse #1983 Vacation home | 4 bd · 2 ba · sleeps 8 | $63,357 | $1,508 | 12% | — | 0.2 mi | Booking |
Ozzy's Retreat, Hot Tub, 4 Bdr, Sleeps 8 House | 4 bd · 3 ba · sleeps 8 | $48,474 | $274 | 48% | 4.8★ (96) | 0.2 mi | AirbnbVrbo |
A-Frame Luxury Escape Vacation home | 4 bd · 2 ba · sleeps 12 | $107,311 | $761 | 39% | 3.5★ (1) | 0.2 mi | Booking |
RidgeTop Retreat, new rental. House | 4 bd · 3 ba · sleeps 10 | $30,225 | $596 | 14% | 5★ (12) | 0.2 mi | AirbnbVrbo |
Ski Slope Views - 2 Decks, Fire Pit, Mini Arcade Cabin | 4 bd · 2 ba · sleeps 8 | $29,638 | $337 | 24% | 4.8★ (186) | 0.2 mi | AirbnbBooking |
New Spa, 2 Fireplaces, 1min to Bear Mtn Ski Resort Chalet | 4 bd · 2.5 ba · sleeps 10 | $16,840 | $469 | 10% | 5★ (3) | 0.3 mi | AirbnbVrbo |
Panoramic Views! HOT TUB! Near Bear Mtn, Golf&Zoo! House | 4 bd · 3 ba · sleeps 9 | $26,659 | $396 | 18% | 5★ (8) | 0.3 mi | Airbnb |
LOWER Moonridge HOT TUB GAME ROOM SKI Slopes CLOSE Vacation home | 4 bd · 3 ba · sleeps 8 | $75,429 | $571 | 36% | — | 0.3 mi | Booking |
Sugarpines Big Bear | Panoramic Ski Slope Views Cabin | 4 bd · 3.5 ba · sleeps 10 | $85,368 | $1,991 | 12% | — | 0.3 mi | AirbnbVrbo |
Mountain Retreat–Steps To Bear Mountain Ski Cabin | 4 bd · 3 ba · sleeps 10 | $27,876 | $595 | 13% | 4.9★ (9) | 0.3 mi | AirbnbVrbo |
Fun-Filled Cabin with Game Room & Hot Tub Chalet | 4 bd · 2.5 ba · sleeps 13 | $94,093 | $727 | 35% | 4.8★ (35) | 0.3 mi | AirbnbVrboBooking |
Walk to ski resort: Indoor Jacuzzi, Sauna, games. Cabin | 4 bd · 3 ba · sleeps 16 | $38,196 | $556 | 19% | 4.8★ (183) | 0.3 mi | AirbnbVrbo |
Luxe Moonridge Log Cabin | Hot Tub + Games + AC! Cabin | 4 bd · 3 ba · sleeps 12 | $10,206 | $456 | 6% | 5★ (3) | 0.3 mi | AirbnbVrbo |
HAPPY BEAR COTTAGE House | 4 bd · 3 ba · sleeps 12 | $46,860 | $498 | 26% | 4.3★ (14) | 0.3 mi | AirbnbVrbo |
Lassen Paradise | Bear Mountain Resort Chalet | Great Game Room Loft | Walk To Lifts Chalet | 4 bd · 3 ba · sleeps 9 | $1,819 | $0 | — | 4.3★ (7) | 0.3 mi | AirbnbBooking |
Luxury A-Frame at Bear Mtn | Hot tub and game room House | 4 bd · 2 ba · sleeps 12 | $85,094 | $781 | 30% | 4.8★ (28) | 0.3 mi | AirbnbVrbo |
1 Mile from Bear Mtn! Hot Tub! Pet Friendly! House | 4 bd · 3 ba · sleeps 10 | $59,980 | $381 | 43% | 5★ (36) | 0.3 mi | AirbnbVrbo |
Near Bear Mountain! Hot Tub! Foosball! Yard! House | 4 bd · 1.5 ba · sleeps 6 | $25,113 | $288 | 24% | 4.8★ (38) | 0.3 mi | AirbnbVrbo |
Fairway to Heaven w/ Hot Tub Views Of Golf Course Cabin | 4 bd · 3 ba · sleeps 10 | $62,549 | $458 | 37% | 4.8★ (47) | 0.3 mi | Airbnb |
Fairway to Heaven Vacation home | 4 bd · 3 ba · sleeps 10 | $52,280 | $398 | 36% | — | 0.3 mi | Booking |
A-Frame Cabin • Game Room • Pine Knot Village Cabin | 4 bd · 3.5 ba · sleeps 10 | $10,324 | $561 | 5% | 5★ (1) | 0.3 mi | AirbnbVrboBooking |
Luxury Slope Side Multi-Family Chalet at Resort House | 4 bd · 3 ba · sleeps 14 | $52,840 | $1,007 | 14% | 4.9★ (48) | 0.3 mi | AirbnbVrbo |
Balsam Boho - Walk to the Slopes! Cabin | 4 bd · 2 ba · sleeps 6 | $54,232 | $260 | 57% | 4.7★ (191) | 0.3 mi | Airbnb |
Panoramic Views! Hot Tub! Near Bear Mtn,golf&Zoo! House | 4 bd · 3 ba · sleeps 9 | $30,662 | $332 | 25% | 4.3★ (181) | 0.3 mi | AirbnbVrbo |
Luxury Log Cabin | Hot Tub, Game Room Cabin | 4 bd · 3 ba · sleeps 12 | $55,460 | $879 | 17% | 5★ (4) | 0.3 mi | AirbnbVrbo |
HOT TUB! Foosball! Walk to the Forest! House | 4 bd · 2 ba · sleeps 8 | $32,510 | $437 | 20% | 4.5★ (46) | 0.3 mi | AirbnbVrbo |
Big Bear Lux Cabin for Family, Spa, Game Room, EV Cabin | 4 bd · 3 ba · sleeps 16 | $114,717 | $723 | 43% | 5★ (158) | 0.3 mi | AirbnbVrboBooking |
Big Bear Lake Cabin w/ Hot Tub < 1 Mi to Skiing! House | 4 bd · 3 ba · sleeps 12 | $70,210 | $487 | 39% | 4.8★ (126) | 0.3 mi | AirbnbVrboBooking |
Edge Family Getaway: Tub!Pool Table!Internet! BBQ! House | 4 bd · 2 ba · sleeps 9 | $42,228 | $312 | 37% | 4.5★ (154) | 0.3 mi | AirbnbVrbo |
Le Vonde Chalet - Luxury log-style, Hot Tub, Game Room, Fire Pit, Walk to Slopes Vacation home | 4 bd · 3 ba · sleeps 11 | $38,056 | $835 | 12% | — | 0.3 mi | Booking |
1 min walk to Bear Mtn + Fresh Snow Here + 9 beds. Cabin | 4 bd · 3 ba · sleeps 12 | $54,673 | $1,011 | 15% | 5★ (2) | 0.3 mi | Airbnb |
Moonridge Golf Escape | Firepit | Walk to Slopes House | 4 bd · 2.5 ba · sleeps 12 | $31,790 | $502 | 17% | 4.8★ (13) | 0.3 mi | Airbnb |
Fairway to Heaven | Views of Golf Course & Hot Tub Cabin | 4 bd · 3 ba · sleeps 10 | $52,408 | $477 | 30% | 5★ (3) | 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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$48,229
NOI
$16,759
Cash flow /mo
-$3,211
Cash needed
$276,950
Cash-on-cash
-13.9%
ROE (yr 1)
-2.6%
Cap rate
2.0%
DSCR
0.30
Year-1 write-off
$238,890
Year-1 tax shield @ 32%
$76,445
Year-1 return on equity
- Cash flow (annual)-$38,528
- Principal paydown$5,595
- Appreciation at%$25,650
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$9,646
- Platform fees (3% of revenue)$1,447
- Maintenance / capex (5% of revenue)$2,411
- Utilities & supplies$4,200
- HOA$0
- Property tax$10,688
- Insurance (STR-rated)$4,361
Cash needed to close
- Down payment (25%)$213,750
- Closing costs (4.0%)$34,200
- Furnishing (bought new)$29,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$76,445
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
$684,000
Short-life (5/15-yr)
$208,000 · 30%
Year-1 deduction
$239,000
Year-1 tax shield @ 32%
$76,000
Land 20% (county tax record, assessed value split) · building $476,000 over 39 years · new furniture $29,000
Based on: 2,152 sq ft, built 1981, 4 bd / 2.5 ba, unfurnished, listing features (hot tub, deck, patio, fence, game room, fireplace, flooring types, appliance list).
IRS-guide safe-harbor floor: $156,000 in year 1 (18% short-life, $50,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $15,800
Kitchen cabinetsdefault
$10,500 new × 40% good × 3.76 allocation
- $13,000
Kitchen countertopsdefault
$8,600 new × 40% good × 3.76 allocation
- $5,700
Decorative trimdefault
$3,800 new × 40% good × 3.76 allocation
- $500
Mirrorsdefault
$300 new × 40% good × 3.76 allocation
- $2,300
Shelvingdefault
$1,500 new × 40% good × 3.76 allocation
- $8,300
Window coverings (22)default
$5,500 new × 40% good × 3.76 allocation
- $10,400
Carpet, vinyl & laminate (50% of floors)listing
$6,900 new × 40% good × 3.76 allocation
- $12,300
Kitchen & laundry equipment plumbingdefault
$8,200 new × 40% good × 3.76 allocation
- $7,400
Kitchen, laundry & data equipment electricaldefault
$4,900 new × 40% good × 3.76 allocation
- $8,600
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 3.76 allocation
- $13,600
Hot tub (freestanding)listing
$9,000 new × 40% good × 3.76 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
- $18,100
Paving: driveway & walks (paved)default
$9,600 new × 50% good × 3.76 allocation
- $17,400
Landscaping (typical)default
$9,300 new × 50% good × 3.76 allocation
- $18,200
Patioslisting
$9,700 new × 50% good × 3.76 allocation
- $45,600
Decks & porches (attached)listing
$24,200 new × 50% good × 3.76 allocation
- $11,300
Fencinglisting
$6,000 new × 50% good × 3.76 allocation
- $351,300
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$233,300 new × 40% good × 3.76 allocation
- $36,500
Building plumbing & fixturesdefault
$24,200 new × 40% good × 3.76 allocation
- $37,000
Building electrical & lightingdefault
$24,600 new × 40% good × 3.76 allocation
- $36,500
HVACdefault
$24,200 new × 40% good × 3.76 allocation
- $10,400
Hardwood & tile floorsdefault
$6,900 new × 40% good × 3.76 allocation
- $4,000
Fireplacelisting
$2,600 new × 40% good × 3.76 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $126,800 | $110,600 | $1,500 | $238,900 |
| 2 | $0 | $0 | $12,200 | $12,200 |
| 3 | $0 | $0 | $12,200 | $12,200 |
| 4 | $0 | $0 | $12,200 | $12,200 |
| 5 | $0 | $0 | $12,200 | $12,200 |
| 6+ | $0 | $0 | $425,300 | $425,300 |
| Total | $126,800 | $110,600 | $475,600 | $713,000 |
The building's share of the price ($684,000) is 3.8x our depreciated replacement cost of the home ($182,000). 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.