421 Adams
Big Bear City, CA 92314
$249,900
2 bd · 2 ba · 1,096 sqft · Listed 1d ago
View on Realtor.com →Year built
1985
Sqft
1,096
Lot sqft
5,044
HOA / mo
$0
Furnished
No
List date
2026-10-02T23:06:30.000000Z
Revenue
Annual revenue
$23,294
ADR
$166
Occupancy
38%
Cleaning fees (12 mo)
$6,013
Confidence
Low (37.36), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $18,078
A-Frame Mountain View-Hot Tub-Arcade & Movie Room
Cabin · 2 bd · 1 ba · sleeps 4 · 345 ft
Revenue $44,802ADR $285Occ ≈ 43%5★ (50)
Graybear "Osogris" Cabin - entire home
Cabin · 2 bd · 1 ba · sleeps 4 · 440 ft
Revenue $12,213ADR $224Occ ≈ 15%4.9★ (108)
A-Frame • E-Bikes• Kayaks •Hot Tub • Fenced Yard
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
Revenue $44,753ADR $320Occ ≈ 38%4.9★ (86)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
A-Frame: treetop view, pet & remote work friendly! Cabin | 2 bd · 1 ba · sleeps 4 | $30,330 | $180 | 46% | 5★ (132) | 115 ft | AirbnbVrbo |
5 Mi to Big Bear Mtn Resort: Cozy Cabin w/ Deck Cabin | 2 bd · 1 ba · sleeps 5 | $24,402 | $214 | 31% | 4.5★ (98) | 157 ft | AirbnbVrboBooking |
A-Frame Mountain View-Hot Tub-Arcade & Movie Room Cabin | 2 bd · 1 ba · sleeps 4 | $44,802 | $285 | 43% | 5★ (50) | 345 ft | Airbnb |
Log Sided Retreat w/ AC, Heat & Forest Views House | 2 bd · 2.5 ba · sleeps 4 | $3,534 | $186 | 5% | 5★ (2) | 358 ft | AirbnbVrboBooking |
Graybear "Osogris" Cabin - entire home Cabin | 2 bd · 1 ba · sleeps 4 | $12,213 | $224 | 15% | 4.9★ (108) | 440 ft | Airbnb |
Cozy 2BR Cabin Near Lake & Snow Play Cabin | 2 bd · 2 ba · sleeps 6 | $12,883 | $223 | 16% | 5★ (4) | 495 ft | AirbnbVrboBooking |
Tranquil Retreat w/ Fenced Backyard, Hot Tub & Bar Cabin | 2 bd · 1 ba · sleeps 6 | $53,494 | $240 | 61% | 5★ (133) | 522 ft | AirbnbVrboBooking |
Marlowe Mountain Views Retreat w/ Hot Tub Cabin | 2 bd · 1.5 ba · sleeps 6 | $18,739 | $467 | 11% | 4.5★ (2) | 0.1 mi | AirbnbVrboBooking |
A-Frame • E-Bikes• Kayaks •Hot Tub • Fenced Yard Cabin | 2 bd · 1 ba · sleeps 4 | $44,753 | $320 | 38% | 4.9★ (86) | 0.1 mi | Airbnb |
Cozy Blue Cabin Cabin | 2 bd · 1 ba · sleeps 4 | $6,444 | $203 | 9% | 5★ (49) | 0.1 mi | Airbnb |
Show 40 more
The sweetest retreat for your family & friends!
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $17,808ADR $136Occ ≈ 36%4.7★ (95)
Midcentury w/ EV Charger
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
Revenue $18,347ADR $175Occ ≈ 29%5★ (23)
Mountain Get Away
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $17,794ADR $219Occ ≈ 22%4.9★ (11)
2583-Bernhardt Brown Bungalow
Vacation home · 2 bd · 1 ba · sleeps 5 · 0.2 mi
Revenue $9,244ADR $210Occ ≈ 12%—
Modern Rustic Cabin • Pets • Fireplace • BBQ
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
Revenue $34,753ADR $180Occ ≈ 53%5★ (71)
Big Bear Cabin High In The Trees
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $19,149ADR $194Occ ≈ 27%4.9★ (175)
Emma's Cottage Retreat w/ Foosball + Game Console
Chalet · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $30,611ADR $432Occ ≈ 19%4.8★ (2)
Big Bear Quonset Lodge-Dog Friendly
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $9,985ADR $188Occ ≈ 15%5★ (334)
Charming 2-bedroom bed & breakfast in fabulous Big Bear with WiFi
House · 2 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $6,431ADR $121Occ ≈ 15%4.7★
Whispering Pines of Big Bear
Cabin · 2 bd · 1 ba · sleeps 5 · 0.3 mi
Revenue $12,303ADR $280Occ ≈ 12%4.5★ (13)
Bear Pause Retreat • Great Location in Big Bear
Cabin · 2 bd · 1 ba · sleeps 5 · 0.3 mi
Revenue $3,508ADR $210Occ ≈ 5%5★ (15)
Turquoise Bear with SPA
Vacation home · 2 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $28,289ADR $368Occ ≈ 21%—
Chief Bear Den
House · 2 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $13,597ADR $263Occ ≈ 14%4.6★ (23)
BIG BEAR COZY DEN - Comfort in the Mountains Free WiFi & Cozy Vibes...
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $9,548ADR $243Occ ≈ 11%4.7★ (11)
Cozy Cabin-2 Bedroom+Loft/2 Bath Wonderful Cabin in Big Bear City CA
Cabin · 2 bd · 2 ba · sleeps 5 · 0.4 mi
Revenue $9,011ADR $243Occ ≈ 10%4.9★ (82)
Blue Bear Cottage-Hiking, pet friendly with spa!
Cabin · 2 bd · 1 ba · sleeps 5 · 0.4 mi
Revenue $38,417ADR $168Occ ≈ 63%5★ (15)
Big Bear Family Retreat
Cabin · 2 bd · 1 ba · sleeps 8 · 0.4 mi
Revenue $9,895ADR $120Occ ≈ 23%4.8★ (220)
Cozy cabin! Hot tub & EV, Family-Friendly, Dogs OK
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $34,703ADR $214Occ ≈ 44%5★ (264)
Affordable Cabin 2 Bdrms Central Air Conditioning
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $26,356ADR $173Occ ≈ 42%5★ (100)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Our Mountain Hideaway+ Large Yard w/ Firepit Cabin | 2 bd · 1 ba · sleeps 6 | $24,388 | $116 | 58% | 4.2★ (26) | 0.2 mi | AirbnbVrboBooking |
The sweetest retreat for your family & friends! Cabin | 2 bd · 2 ba · sleeps 6 | $17,808 | $136 | 36% | 4.7★ (95) | 0.2 mi | Airbnb |
Serene Splendors Retreat w/ Hot Tub at Big Bear Cabin | 2 bd · 2 ba · sleeps 6 | $19,600 | $368 | 15% | 4.9★ (12) | 0.2 mi | AirbnbVrbo |
Great Value Big Bear Getaway w/ Fireplace & BBQ Cabin | 2 bd · 1 ba · sleeps 6 | $12,478 | $117 | 29% | 4.2★ (19) | 0.2 mi | AirbnbVrboBooking |
Midcentury w/ EV Charger Cabin | 2 bd · 1.5 ba · sleeps 4 | $18,347 | $175 | 29% | 5★ (23) | 0.2 mi | Airbnb |
Mountain Get Away Cabin | 2 bd · 1 ba · sleeps 4 | $17,794 | $219 | 22% | 4.9★ (11) | 0.2 mi | Airbnb |
2583-Bernhardt Brown Bungalow Vacation home | 2 bd · 1 ba · sleeps 5 | $9,244 | $210 | 12% | — | 0.2 mi | Booking |
Modern Rustic Cabin • Pets • Fireplace • BBQ Cabin | 2 bd · 1.5 ba · sleeps 4 | $34,753 | $180 | 53% | 5★ (71) | 0.2 mi | Airbnb |
Big Bear Cabin High In The Trees Cabin | 2 bd · 1 ba · sleeps 6 | $19,149 | $194 | 27% | 4.9★ (175) | 0.2 mi | Airbnb |
88 Acres Cottage in Big Bear w/HotTub & Fireplace Cabin | 2 bd · 1 ba · sleeps 4 | $39,393 | $233 | 46% | 4.8★ (698) | 0.2 mi | AirbnbVrboBooking |
Bernhardt Brown Bungalow at Big Bear | Cozy Cabin| Cabin | 2 bd · 1 ba · sleeps 5 | $6,884 | $173 | 11% | 4.8★ (4) | 0.2 mi | AirbnbVrboBooking |
Emma's Cottage Retreat w/ Foosball + Game Console Chalet | 2 bd · 1 ba · sleeps 6 | $30,611 | $432 | 19% | 4.8★ (2) | 0.2 mi | Booking |
Barrett Cottage | Dog-Friendly | BBQ Grill | Quiet House | 2 bd · 1 ba · sleeps 5 | $19,365 | $256 | 21% | 4.8★ (64) | 0.2 mi | AirbnbVrbo |
Cozy Sol Cabin Cabin | 2 bd · 1 ba · sleeps 6 | $13,986 | $177 | 22% | 4.8★ (118) | 0.3 mi | AirbnbVrbo |
Heart & Snow Mountain Cabin. Pet Friendly! House | 2 bd · 1 ba · sleeps 5 | $30,245 | $149 | 56% | 4.8★ (90) | 0.3 mi | AirbnbVrbo |
2 Mi to Big Bear Lake: Cabin w/ Game Room Cabin | 2 bd · 1 ba · sleeps 6 | $36,381 | $311 | 32% | 4.6★ (22) | 0.3 mi | AirbnbVrbo |
Fenced Lrg Backyard • Hot Tub • FirePit • Charming Cabin | 2 bd · 2 ba · sleeps 6 | $41,967 | $342 | 34% | 4.8★ (42) | 0.3 mi | AirbnbVrbo |
Big Bear Quonset Lodge-Dog Friendly Cabin | 2 bd · 1 ba · sleeps 4 | $9,985 | $188 | 15% | 5★ (334) | 0.3 mi | Airbnb |
Cozy Cub Cabin | Pet Friendly, Games & Fenced Yard Cabin | 2 bd · 1 ba · sleeps 5 | $14,241 | $189 | 21% | 4.9★ (176) | 0.3 mi | AirbnbVrbo |
Cozy Cabin, Perfect for Families, Dog friendly Cabin | 2 bd · 1 ba · sleeps 5 | $21,661 | $172 | 35% | 4.9★ (32) | 0.3 mi | AirbnbVrbo |
GREAT PRICE! Cool Cozy Cabin w/SPA, 2+1, Sleeps 6 Cabin | 2 bd · 1 ba · sleeps 6 | $7,110 | $329 | 6% | 4.5★ (172) | 0.3 mi | AirbnbVrboBooking |
Charming 2-bedroom bed & breakfast in fabulous Big Bear with WiFi House | 2 bd · 2 ba · sleeps 6 | $6,431 | $121 | 15% | 4.7★ | 0.3 mi | Vrbo |
FAMILY FRIENDLY CABIN UNDER THE PINES PLUS PARKING Cabin | 2 bd · 1 ba · sleeps 5 | $12,572 | $172 | 20% | 4.9★ (154) | 0.3 mi | AirbnbVrbo |
Whispering Pines of Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $12,303 | $280 | 12% | 4.5★ (13) | 0.3 mi | Airbnb |
Mountain Views ~ Foosball ~ BBQ ~ Near Lake Cabin | 2 bd · 2 ba · sleeps 6 | $22,281 | $173 | 35% | 4.9★ (116) | 0.3 mi | AirbnbVrbo |
Private Hot Tub & Patio! Woodsy Escape in Big Bear House | 2 bd · 1.5 ba · sleeps 4 | $1,265 | $132 | 3% | 5★ (1) | 0.3 mi | AirbnbVrboBooking |
Bear Pause Retreat • Great Location in Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $3,508 | $210 | 5% | 5★ (15) | 0.3 mi | Airbnb |
Turquoise Bear with SPA Vacation home | 2 bd · 2 ba · sleeps 6 | $28,289 | $368 | 21% | — | 0.3 mi | Booking |
Chief Bear Den House | 2 bd · 2 ba · sleeps 6 | $13,597 | $263 | 14% | 4.6★ (23) | 0.4 mi | Airbnb |
Relaxing Cabin w/ Hot Tub & Large Yard House | 2 bd · 1 ba · sleeps 6 | $13,368 | $263 | 14% | 4.7★ (14) | 0.4 mi | AirbnbVrboBooking |
EV Outlet, E-bikes, E-scooters, SUP boards, kayaks Cabin | 2 bd · 1 ba · sleeps 6 | $27,525 | $274 | 28% | 5★ (72) | 0.4 mi | AirbnbBooking |
Mountain Escape w/ Fireplace, BBQ, & Fenced Yard House | 2 bd · 2 ba · sleeps 6 | $14,333 | $273 | 14% | 5★ (10) | 0.4 mi | AirbnbVrboBooking |
BIG BEAR COZY DEN - Comfort in the Mountains Free WiFi & Cozy Vibes... Cabin | 2 bd · 1 ba · sleeps 6 | $9,548 | $243 | 11% | 4.7★ (11) | 0.4 mi | Vrbo |
Blue Bear Cottage-2 Bedroom Cabin with hot tub Cabin | 2 bd · 1 ba · sleeps 5 | $39,273 | $169 | 64% | 5★ (103) | 0.4 mi | AirbnbVrbo |
Bear Pause Retreat - Great Location in Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $3,493 | $278 | 3% | 5★ (6) | 0.4 mi | AirbnbVrboBooking |
Cozy Cabin-2 Bedroom+Loft/2 Bath Wonderful Cabin in Big Bear City CA Cabin | 2 bd · 2 ba · sleeps 5 | $9,011 | $243 | 10% | 4.9★ (82) | 0.4 mi | Vrbo |
Blue Bear Cottage-Hiking, pet friendly with spa! Cabin | 2 bd · 1 ba · sleeps 5 | $38,417 | $168 | 63% | 5★ (15) | 0.4 mi | Airbnb |
Big Bear Family Retreat Cabin | 2 bd · 1 ba · sleeps 8 | $9,895 | $120 | 23% | 4.8★ (220) | 0.4 mi | Airbnb |
Cozy cabin! Hot tub & EV, Family-Friendly, Dogs OK Cabin | 2 bd · 1 ba · sleeps 6 | $34,703 | $214 | 44% | 5★ (264) | 0.4 mi | Airbnb |
Affordable Cabin 2 Bdrms Central Air Conditioning Cabin | 2 bd · 1 ba · sleeps 6 | $26,356 | $173 | 42% | 5★ (100) | 0.4 mi | 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
Rate 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$23,294
NOI
$8,548
Cash flow /mo
-$667
Cash needed
$88,471
Cash-on-cash
-9.0%
ROE (yr 1)
1.2%
Cap rate
3.4%
DSCR
0.52
Year-1 write-off
$80,665
Year-1 tax shield @ 32%
$25,813
Year-1 return on equity
- Cash flow (annual)-$8,002
- Principal paydown$1,556
- Appreciation at%$7,497
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)$4,659
- Platform fees (3% of revenue)$699
- Maintenance / capex (5% of revenue)$1,165
- Utilities & supplies$4,200
- HOA$0
- Property tax$3,124
- Insurance (STR-rated)$1,274
Cash needed to close
- Down payment (25%)$62,475
- Closing costs (4.0%)$9,996
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$25,813
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
$199,000
Short-life (5/15-yr)
$65,000 · 32%
Year-1 deduction
$81,000
Year-1 tax shield @ 32%
$26,000
Land 20% (county tax record, assessed value split) · building $135,000 over 39 years · new furniture $16,000
Based on: 1,096 sq ft, built 1985, 2 bd / 2 ba, unfurnished, listing features (deck, fence, fireplace, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $53,000 in year 1 (18% short-life, $17,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $6,900
Kitchen cabinetsdefault
$8,200 new × 40% good × 2.09 allocation
- $5,600
Kitchen countertopsdefault
$6,700 new × 40% good × 2.09 allocation
- $1,600
Decorative trimdefault
$1,900 new × 40% good × 2.09 allocation
- $300
Mirrorsdefault
$300 new × 40% good × 2.09 allocation
- $800
Shelvingdefault
$900 new × 40% good × 2.09 allocation
- $2,300
Window coverings (11)default
$2,800 new × 40% good × 2.09 allocation
- $2,400
Carpet, vinyl & laminate (40% of floors)default
$2,800 new × 40% good × 2.09 allocation
- $5,300
Kitchen & laundry equipment plumbingdefault
$6,400 new × 40% good × 2.09 allocation
- $3,200
Kitchen, laundry & data equipment electricaldefault
$3,900 new × 40% good × 2.09 allocation
- $1,800
Appliances (refrigerator)listing
$2,200 new × 40% good × 2.09 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $7,200
Paving: driveway & walks (paved)default
$6,900 new × 50% good × 2.09 allocation
- $6,900
Landscaping (typical)default
$6,600 new × 50% good × 2.09 allocation
- $1,100
Patiosdefault
$1,100 new × 50% good × 2.09 allocation
- $12,900
Decks & porches (attached)listing
$12,300 new × 50% good × 2.09 allocation
- $6,300
Fencinglisting
$6,000 new × 50% good × 2.09 allocation
- $99,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$118,600 new × 40% good × 2.09 allocation
- $10,300
Building plumbing & fixturesdefault
$12,300 new × 40% good × 2.09 allocation
- $9,300
Building electrical & lightingdefault
$11,200 new × 40% good × 2.09 allocation
- $10,300
HVACdefault
$12,300 new × 40% good × 2.09 allocation
- $3,500
Hardwood & tile floorsdefault
$4,200 new × 40% good × 2.09 allocation
- $2,200
Fireplacelisting
$2,600 new × 40% good × 2.09 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $46,100 | $34,400 | $100 | $80,700 |
| 2 | $0 | $0 | $3,500 | $3,500 |
| 3 | $0 | $0 | $3,500 | $3,500 |
| 4 | $0 | $0 | $3,500 | $3,500 |
| 5 | $0 | $0 | $3,500 | $3,500 |
| 6+ | $0 | $0 | $120,900 | $120,900 |
| Total | $46,100 | $34,400 | $134,800 | $215,400 |
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.