391 Montclair Dr Spc 160
Big Bear City, CA 92314
$350,000
2 bd · 2 ba · 1,260 sqft · Listed 4d ago
View on Realtor.com →Year built
1972
Sqft
1,260
Lot sqft
3,000
HOA / mo
$180
Furnished
No
List date
2026-11-08T19:02:48.000000Z
Revenue
Annual revenue
$23,811
ADR
$192
Occupancy
34%
Cleaning fees (12 mo)
$5,641
Confidence
Low (39.12), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $20,791
Cozy Relax•AC•Hot Tub•Fire Pit•BBQ•EV•King Beds
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +3
Revenue $52,006ADR $352Occ ≈ 40%5★ (114)
Modern cabin with a hot tub
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $42,224ADR $170Occ ≈ 68%4.8★ (280)
No Pet Fee! Hike, Hammock, Fish. Enclosed yard.
House · 2 bd · 1 ba · sleeps 6 · 0.3 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $8,717ADR $248Occ ≈ 10%5★ (35)
Pine Knot Smart Cabin - huge backyard w/ fire pit
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $26,390ADR $143Occ ≈ 51%4.8★ (134)
Big Bear Cabin with Hot Tub!
Cabin · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $22,018ADR $388Occ ≈ 16%5★ (10)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Serene Cabin Gated Yard Dogs Kids King Bed Coffee Cabin
| 2 bd · 1.5 ba · sleeps 6 | $20,791 | $112 | 51% | 4.9★ (102) | 0.2 mi | AirbnbVrbo |
Cozy Relax•AC•Hot Tub•Fire Pit•BBQ•EV•King Beds Cabin
| 2 bd · 1 ba · sleeps 4 | $52,006 | $352 | 40% | 5★ (114) | 0.2 mi | Airbnb |
Cozy Mountain Escape with Fireplace Charm Cabin | 2 bd · 2 ba · sleeps 6 | $9,220 | $232 | 11% | 4.5★ (26) | 0.3 mi | AirbnbBooking |
Floor-to-Ceiling Views | Fireplace Cabin
| 2 bd · 2 ba · sleeps 4 | $13,585 | $270 | 14% | 4★ (11) | 0.3 mi | AirbnbVrbo |
Sugarloaf Retreat | Fenced Yard + Fireplace Cabin
| 2 bd · 1 ba · sleeps 4 | $12,028 | $229 | 14% | 3★ (4) | 0.3 mi | AirbnbVrboBooking |
Modern cabin with a hot tub Cabin
| 2 bd · 1 ba · sleeps 6 | $42,224 | $170 | 68% | 4.8★ (280) | 0.3 mi | Airbnb |
No Pet Fee! Hike, Hammock, Fish. Enclosed yard. House
| 2 bd · 1 ba · sleeps 6 | $8,717 | $248 | 10% | 5★ (35) | 0.3 mi | Airbnb |
Pine Knot Smart Cabin - huge backyard w/ fire pit Cabin
| 2 bd · 1 ba · sleeps 6 | $26,390 | $143 | 51% | 4.8★ (134) | 0.3 mi | Airbnb |
Big Bear Cabin with Hot Tub! Cabin | 2 bd · 1 ba · sleeps 6 | $22,018 | $388 | 16% | 5★ (10) | 0.3 mi | Delisted |
Super Cute/Fenced/Pet Friendly/Walk 2 Park/Sleep 6 Cabin
| 2 bd · 1 ba · sleeps 6 | $4,044 | $404 | 3% | 5★ (24) | 0.3 mi | AirbnbVrboBooking |
Show 37 more
New! Bearadise ~ Fairytale Mountain Getaway
Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $17,690ADR $152Occ ≈ 32%4.7★ (20)
Sunshine Haus @sunshinehaus.bigbearlake
House · 2 bd · 2 ba · sleeps 6 · 0.4 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $25,880ADR $240Occ ≈ 30%5★ (218)
Modern Mountain Cabin
Cabin · 2 bd · 1 ba · sleeps 6 · 0.4 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +2
Revenue $33,437ADR $156Occ ≈ 59%4.8★ (136)
New! Bearadise ~ Fairytale Mountain Getaway
Cabin · 2 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $31,068ADR $222Occ ≈ 38%5★ (63)
Delisted
Cozy Escape • Fire Pit + Near Lake Retreat
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.4 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $14,386ADR $228Occ ≈ 17%5★ (80)
Pet friendly family cabin with game room
Cabin · 2 bd · 1 ba · sleeps 4 · 0.4 mi
Revenue $53,707ADR $204Occ ≈ 72%5★ (34)
Redwood Elegance - 2BR/2BA/Forest Views/Deck/WiFi
Cabin · 2 bd · 2 ba · sleeps 4 · 0.4 mi
Revenue $19,591ADR $283Occ ≈ 19%3.6★ (6)
Forest Cabin Lodge in Big Bear
House · 2 bd · 2 ba · sleeps 6 · 0.5 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $10,651ADR $285Occ ≈ 10%5★ (17)
Cozy-family friendly home with jacuzzi!
House · 2 bd · 2.5 ba · sleeps 6 · 0.5 mi
Revenue $12,648ADR $192Occ ≈ 18%5★ (6)
Delisted
MOUNTAIN DREAM LODGE
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.5 mi
Revenue $10,794ADR $245Occ ≈ 12%4.8★ (112)
The Raccoon Retreat + Firepit + Spa + BBQ
Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.5 mi
- Wifi
- Kitchen
- Washer
- Fireplace
Revenue $14,440ADR $132Occ ≈ 30%3.4★ (3)
Cozy Paw Cabin sleeps 6-Spa
Cabin · 2 bd · 2 ba · sleeps 6 · 0.5 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $29,688ADR $219Occ ≈ 37%4.8★ (82)
Cabin in Big Bear
Cabin · 2 bd · 1 ba · sleeps 5 · 0.5 mi
Revenue $30,294ADR $200Occ ≈ 41%5★ (58)
Ultimate Racoon Retreat + Hot-Tub & BBQ!
Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.5 mi
Revenue $1,237ADR $112Occ ≈ 3%—
Delisted
Cabin Bliss: Hot Tub, Fire Pit & Near The Village
Cabin · 2 bd · 2 ba · sleeps 6 · 0.5 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $9,780ADR $304Occ ≈ 9%5★ (1)
The Racoon Getaway! + Hot-Tub & BBQ
Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.5 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $318ADR $159Occ ≈ 1%—
Cozy 2 Bedroom Cabin Getaway
Cabin · 2 bd · 1.5 ba · sleeps 6 · 0.6 mi
Revenue $7,849ADR $147Occ ≈ 15%5★ (61)
Delisted
Rustic Retreat
Cabin · 2 bd · 2 ba · sleeps 4 · 0.6 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $15,901ADR $103Occ ≈ 42%5★ (57)
Private Hot Tub Retreat + Fire pit in Big Bear
Cabin · 2 bd · 2 ba · sleeps 6 · 0.6 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $30,494ADR $350Occ ≈ 24%4.8★ (68)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
New! Bearadise ~ Fairytale Mountain Getaway Cabin | 2 bd · 2 ba · sleeps 6 | $17,690 | $152 | 32% | 4.7★ (20) | 0.3 mi | Airbnb |
Sunshine Haus @sunshinehaus.bigbearlake House
| 2 bd · 2 ba · sleeps 6 | $25,880 | $240 | 30% | 5★ (218) | 0.4 mi | Airbnb |
Cozy Mountain Cabin w/ Fireplace & Deck Cabin
| 2 bd · 1 ba · sleeps 4 | $10,050 | $168 | 16% | 5★ (3) | 0.4 mi | AirbnbVrboBooking |
Modern Mountain Cabin Cabin
| 2 bd · 1 ba · sleeps 6 | $33,437 | $156 | 59% | 4.8★ (136) | 0.4 mi | Airbnb |
New! Bearadise ~ Fairytale Mountain Getaway Cabin | 2 bd · 2 ba · sleeps 6 | $31,068 | $222 | 38% | 5★ (63) | 0.4 mi | Delisted |
Aframe,Pickleball,AC,Spa,E-scooters,SUPBoards,Yard Cabin
| 2 bd · 1 ba · sleeps 6 | $41,017 | $371 | 30% | 5★ (113) | 0.4 mi | AirbnbVrbo |
Cozy Escape • Fire Pit + Near Lake Retreat Cabin
| 2 bd · 1.5 ba · sleeps 6 | $14,386 | $228 | 17% | 5★ (80) | 0.4 mi | Airbnb |
Misty Mountain Hideaway Cabin
| 2 bd · 1 ba · sleeps 6 | $36,390 | $180 | 55% | 4.9★ (673) | 0.4 mi | AirbnbVrbo |
*Serene Deck*Near Sports Park*FREE Snacks Cabin
| 2 bd · 2 ba · sleeps 6 | $15,652 | $161 | 27% | 4.7★ (38) | 0.4 mi | AirbnbVrbo |
Pet friendly family cabin with game room Cabin | 2 bd · 1 ba · sleeps 4 | $53,707 | $204 | 72% | 5★ (34) | 0.4 mi | Airbnb |
Relaxing Bruin Chalet- Central BB Retreat Cabin Cabin
| 2 bd · 1 ba · sleeps 6 | $30,779 | $310 | 27% | 4.5★ (22) | 0.4 mi | AirbnbVrboBooking |
Redwood Elegance - 2BR/2BA/Forest Views/Deck/WiFi Cabin | 2 bd · 2 ba · sleeps 4 | $19,591 | $283 | 19% | 3.6★ (6) | 0.4 mi | Booking |
Family Mountain Cabin-Dogs Welcome-Grill-Pines Cabin
| 2 bd · 1.5 ba · sleeps 6 | $11,293 | $228 | 14% | 5★ (213) | 0.5 mi | AirbnbVrbo |
Forest Cabin Lodge in Big Bear House
| 2 bd · 2 ba · sleeps 6 | $10,651 | $285 | 10% | 5★ (17) | 0.5 mi | Airbnb |
Cozy-family friendly home with jacuzzi! House | 2 bd · 2.5 ba · sleeps 6 | $12,648 | $192 | 18% | 5★ (6) | 0.5 mi | Delisted |
Big Bear Pine Haven Cabin: Hot Tub Games Cabin
| 2 bd · 1.5 ba · sleeps 8 | $43,942 | $146 | 82% | 4.8★ (62) | 0.5 mi | AirbnbVrboBooking |
The Raccoon Retreat + Firepit + Spa + BBQ House
| 2 bd · 2 ba · sleeps 7 | $27,990 | $231 | 33% | 4.2★ (20) | 0.5 mi | AirbnbVrboBooking |
Elk Run Cabin Covered parking + Private Hot Tub Cabin
| 2 bd · 2 ba · sleeps 6 | $25,385 | $420 | 17% | 5★ (23) | 0.5 mi | AirbnbVrbo |
Fall Cabin | Hot Tub, Fire Pit, Near Lake Stay Cabin
| 2 bd · 1 ba · sleeps 6 | $18,747 | $287 | 18% | 5★ (37) | 0.5 mi | AirbnbVrbo |
Big Bear 2 Bedroom Cabin w/ Hot Tub and EV Charger Cabin
| 2 bd · 2 ba · sleeps 6 | $23,413 | $204 | 31% | 5★ (76) | 0.5 mi | AirbnbVrbo |
Sleepy Hollow-Spa, Pets Ok, FencedDeck, Firepit Cabin
| 2 bd · 1 ba · sleeps 5 | $30,512 | $243 | 34% | 4.8★ (154) | 0.5 mi | AirbnbVrbo |
Mountain Dream Lodge Cabin
| 2 bd · 2 ba · sleeps 6 | $1,327 | $325 | 1% | — | 0.5 mi | AirbnbVrboBooking |
MOUNTAIN DREAM LODGE Cabin | 2 bd · 1.5 ba · sleeps 6 | $10,794 | $245 | 12% | 4.8★ (112) | 0.5 mi | Airbnb |
The Raccoon Retreat + Firepit + Spa + BBQ Cabin
| 2 bd · 1.5 ba · sleeps 7 | $14,440 | $132 | 30% | 3.4★ (3) | 0.5 mi | Airbnb |
Cozy Paw Cabin sleeps 6-Spa Cabin
| 2 bd · 2 ba · sleeps 6 | $29,688 | $219 | 37% | 4.8★ (82) | 0.5 mi | Airbnb |
Cabin in Big Bear Cabin | 2 bd · 1 ba · sleeps 5 | $30,294 | $200 | 41% | 5★ (58) | 0.5 mi | Airbnb |
Ultimate Racoon Retreat + Hot-Tub & BBQ! Cabin | 2 bd · 1.5 ba · sleeps 7 | $1,237 | $112 | 3% | — | 0.5 mi | Delisted |
Cabin Bliss: Hot Tub, Fire Pit & Near The Village Cabin
| 2 bd · 2 ba · sleeps 6 | $9,780 | $304 | 9% | 5★ (1) | 0.5 mi | Airbnb |
The Racoon Getaway! + Hot-Tub & BBQ Cabin
| 2 bd · 1.5 ba · sleeps 7 | $318 | $159 | 1% | — | 0.5 mi | Airbnb |
Little Pinecone Cabin Cabin
| 2 bd · 1 ba · sleeps 6 | $7,016 | $262 | 7% | 4.9★ (10) | 0.5 mi | AirbnbVrbo |
TOP RATED Boho Mountain Retreat: Pet-Friendly! House
| 2 bd · 1.5 ba · sleeps 6 | $34,379 | $264 | 36% | 4.9★ (208) | 0.6 mi | AirbnbVrbo |
Sugar Bear Lodge Cabin
| 2 bd · 1 ba · sleeps 6 | $31,814 | $186 | 47% | 5★ (77) | 0.6 mi | AirbnbVrboBooking |
Cozy 2 Bedroom Cabin Getaway Cabin | 2 bd · 1.5 ba · sleeps 6 | $7,849 | $147 | 15% | 5★ (61) | 0.6 mi | Delisted |
Rustic Retreat Cabin
| 2 bd · 2 ba · sleeps 4 | $15,901 | $103 | 42% | 5★ (57) | 0.6 mi | Airbnb |
Charming 1950s Western Cabin | Dog-Friendly Stay Cabin
| 2 bd · 1 ba · sleeps 4 | $26,186 | $163 | 44% | 4.9★ (52) | 0.6 mi | AirbnbBooking |
Private Hot Tub Retreat + Fire pit in Big Bear Cabin
| 2 bd · 2 ba · sleeps 6 | $30,494 | $350 | 24% | 4.8★ (68) | 0.6 mi | Airbnb |
Cozy Mountain Treehouse | Hot Tub & Fireplace House
| 2 bd · 1.5 ba · sleeps 4 | $35,659 | $252 | 39% | 4.8★ (42) | 0.6 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 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium
Est. revenue
$23,811
NOI
$5,149
Cash flow /mo
-$1,484
Cash needed
$117,500
Cash-on-cash
-15.2%
ROE (yr 1)
-4.3%
Cap rate
1.5%
DSCR
0.22
Year-1 write-off
$19,133
Year-1 tax shield @ 32%
$6,123
Year-1 return on equity
- Cash flow (annual)-$17,811
- Principal paydown$2,223
- Appreciation at%$10,500
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)$4,762
- Platform fees (3% of revenue)$714
- Maintenance / capex (5% of revenue)$1,191
- Utilities & supplies$4,200
- HOA$2,160
- Property tax$4,375
- Insurance (STR-rated)$1,785
Cash needed to close
- Down payment (25%)$87,500
- Closing costs (4.0%)$14,000
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$6,123
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
$10,000
Short-life (5/15-yr)
$3,000 · 31%
Year-1 deduction
$19,000
Year-1 tax shield @ 32%
$6,000
Land 97% (county tax record, assessed value split) · building $7,000 over 39 years · new furniture $16,000
Based on: 1,260 sq ft, built 1972, 2 bd / 2 ba, unfurnished, listing features (hot tub, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $18,000 in year 1 (23% short-life, $6,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $300
Kitchen cabinetsdefault
$8,600 new × 40% good × 0.10 allocation
- $300
Kitchen countertopsdefault
$7,000 new × 40% good × 0.10 allocation
- $100
Decorative trimdefault
$2,200 new × 40% good × 0.10 allocation
- $0
Mirrorsdefault
$300 new × 40% good × 0.10 allocation
- $0
Shelvingdefault
$900 new × 40% good × 0.10 allocation
- $100
Window coverings (13)default
$3,300 new × 40% good × 0.10 allocation
- $300
Carpet, vinyl & laminate (100% of floors)listing
$8,100 new × 40% good × 0.10 allocation
- $300
Kitchen & laundry equipment plumbingdefault
$6,700 new × 40% good × 0.10 allocation
- $200
Kitchen, laundry & data equipment electricaldefault
$4,000 new × 40% good × 0.10 allocation
- $300
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 0.10 allocation
- $400
Hot tub (freestanding)listing
$9,000 new × 40% good × 0.10 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $400
Paving: driveway & walks (paved)default
$7,400 new × 50% good × 0.10 allocation
- $300
Landscaping (typical)default
$7,100 new × 50% good × 0.10 allocation
- $100
Patiosdefault
$1,200 new × 50% good × 0.10 allocation
- $100
Decks & porches (attached)default
$1,200 new × 50% good × 0.10 allocation
- $5,400
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$136,500 new × 40% good × 0.10 allocation
- $600
Building plumbing & fixturesdefault
$14,100 new × 40% good × 0.10 allocation
- $500
Building electrical & lightingdefault
$13,200 new × 40% good × 0.10 allocation
- $600
HVACdefault
$14,200 new × 40% good × 0.10 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $18,300 | $800 | $0 | $19,100 |
| 2 | $0 | $0 | $200 | $200 |
| 3 | $0 | $0 | $200 | $200 |
| 4 | $0 | $0 | $200 | $200 |
| 5 | $0 | $0 | $200 | $200 |
| 6+ | $0 | $0 | $6,300 | $6,300 |
| Total | $18,300 | $800 | $7,000 | $26,100 |
The building's share of the price ($10,000) is well below our depreciated replacement cost of the home ($103,000). The land share may be overstated, or the home may need work.
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.