325 Montclair Dr
Big Bear, CA 92314
$469,000
3 bd · 2 ba · 1,348 sqft · Listed 15d ago
View on Realtor.com →Year built
1981
Sqft
1,348
Lot sqft
8,089
HOA / mo
None
Furnished
No
List date
2026-09-14T19:12:26Z
Revenue
Annual revenue
$28,209
ADR
$252
Occupancy
31%
Cleaning fees (12 mo)
$5,941
Confidence
Low (36.78), 49 comps
Comp revenue range (p25 / median / p75)
Big Bear Retreat w/ Hot Tub and fenced backyard!
Vacation home · 3 bd · 1.5 ba · sleeps 6 · 0.1 mi
Revenue $19,471ADR $220Occ ≈ 24%5★ (109)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Bear Necessities Cabin | 3 bd · 2 ba · sleeps 99 | $26,864 | $165 | 45% | 5★ | 115 ft | Vrbo |
Papa Joe's Cabin Cabin | 3 bd · 1.5 ba · sleeps 8 | $12,714 | $221 | 16% | 4.6★ (110) | 315 ft | AirbnbBooking |
ask_4_Early Check-In/Late-Checkout_@ShakaHouse House | 3 bd · 2 ba · sleeps 8 | $50,048 | $252 | 54% | 4.9★ (146) | 410 ft | AirbnbVrbo |
Big Bear-Epic Views, Fire Pits, Hot Tub, Theater! House | 3 bd · 2 ba · sleeps 8 | $59,182 | $340 | 48% | 5★ (158) | 489 ft | AirbnbVrbo |
Pet-Friendly Big Bear Cabin ~ 6 Mi to Ski Resorts! Cabin | 3 bd · 2 ba · sleeps 8 | $20,495 | $327 | 17% | 4.8★ (50) | 509 ft | AirbnbVrboBooking |
Cozy BearPaw Cave Cabin Cabin | 3 bd · 2 ba · sleeps 6 | $17,204 | $314 | 15% | 5★ (48) | 0.1 mi | AirbnbVrbo |
Hot Tub! Family! Close to Forest / Slopes/Lake PEA Cabin | 3 bd · 2 ba · sleeps 8 | $7,453 | $551 | 4% | 4.5★ (8) | 0.1 mi | AirbnbVrboBooking |
Hot Tub • Game Room • BBQ • Large Cabin • Dogs OK Cabin | 3 bd · 2 ba · sleeps 8 | $52,731 | $309 | 47% | 4.9★ (273) | 0.1 mi | AirbnbVrboBooking |
Three 3's Cabin|Gated, AC, dogs ok, Spa, Lrg Yard Cabin | 3 bd · 2.5 ba · sleeps 7 | $26,723 | $223 | 33% | 4.7★ (29) | 0.1 mi | AirbnbVrbo |
Big Bear Retreat w/ Hot Tub and fenced backyard! Vacation home | 3 bd · 1.5 ba · sleeps 6 | $19,471 | $220 | 24% | 5★ (109) | 0.1 mi | Airbnb |
Show all 49 comps
Relaxing Bruin Chalet at Big Bear City- Minutes to Activities
Vacation home · 3 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $45,836ADR $478Occ ≈ 26%4.7★ (4)
Bear Paw Lodge *Cozy home w/ fireplace & game room
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $17,293ADR $253Occ ≈ 19%4.8★ (43)
Cozy Cabin: Your Big Bear Retreat with jaccuzi
House · 3 bd · 2.5 ba · sleeps 8 · 0.2 mi
Revenue $20,714ADR $388Occ ≈ 15%4.7★ (14)
Big Bear A Frame
Cabin · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $8,216ADR $270Occ ≈ 8%4.6★ (65)
Maple Ridge by Rather Be Properties
Vacation home · 3 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $1,750ADR $230Occ ≈ 2%—
Modern Home, Hot Tub, Pool Table, Open Family Room
House · 3 bd · 2.5 ba · sleeps 10 · 0.3 mi
Revenue $30,485ADR $378Occ ≈ 22%5★ (29)
Play Big Bear #2580
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $13,048ADR $431Occ ≈ 8%—
Private Hot Tub • Game Room • Mountain Views
Cabin · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $54,961ADR $280Occ ≈ 54%5★ (174)
Cozy Mountain Cabin w/ Hot Tub, Fireplace & Deck
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $5,036ADR $296Occ ≈ 5%5★ (6)
Big Bear Intrigue
House · 3 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $25,162ADR $221Occ ≈ 31%5★ (114)
Gold Rush Retreat, Sleeps 10, Mountain Views
House · 3 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $34,600ADR $251Occ ≈ 38%4.9★ (77)
Spacious 3br perfect for big Group with hot tub
House · 3 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $8,499ADR $406Occ ≈ 6%5★ (4)
3 bedroom with fireplace + deck - Emerald Retreat
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $7,496ADR $168Occ ≈ 12%5★ (5)
Family friendly cozy cabin in Big Bear
Cabin · 3 bd · 1.5 ba · sleeps 9 · 0.3 mi
Revenue $25,832ADR $327Occ ≈ 22%4.8★ (5)
Sweet Cabin Gateway | Cozy Big Bear Retreat Minutes From Adventure
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $20,932ADR $427Occ ≈ 13%—
Sweet Cabin Home Gateway #2576
Vacation home · 3 bd · 1 ba · sleeps 6 · 0.4 mi
Revenue $21,687ADR $442Occ ≈ 13%—
Wagon Wheel Retreat | Dog-Friendly | Sleeps 8
House · 3 bd · 2 ba · sleeps 8 · 0.4 mi
Revenue $25,280ADR $259Occ ≈ 27%4.9★ (17)
Bear Meadow -Create your Big Bear Memories
House · 3 bd · 2 ba · sleeps 9 · 0.4 mi
Revenue $17,104ADR $468Occ ≈ 10%4.8★ (45)
Stylish Family Cabin w/ Pac-Man & Stone Fireplace!
Cabin · 3 bd · 2 ba · sleeps 6 · 0.5 mi
Revenue $10,028ADR $250Occ ≈ 11%4.9★ (25)
HOME SWEET HOME sleeps 7- Enjoy the Forest
House · 3 bd · 2 ba · sleeps 7 · 0.5 mi
Revenue $22,687ADR $198Occ ≈ 31%4.8★ (83)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Grandpa’s cabin House | 3 bd · 2 ba · sleeps 8 | $772 | $257 | 1% | — | 0.1 mi | Airbnb |
Dutch Hideaway-3bed W/Gameroom House | 3 bd · 2 ba · sleeps 8 | $13,797 | $428 | 9% | 4.8★ (6) | 0.1 mi | AirbnbVrbo |
Big Bear Adventure! Cabin w/ Game Room & Yard Cabin | 3 bd · 2 ba · sleeps 8 | $12,502 | $384 | 9% | 4.7★ (11) | 0.2 mi | AirbnbVrboBooking |
Relaxing Bruin Chalet at Big Bear City- Minutes to Activities Vacation home | 3 bd · 1 ba · sleeps 6 | $45,836 | $478 | 26% | 4.7★ (4) | 0.2 mi | Booking |
Bear Paw Lodge *Cozy home w/ fireplace & game room House | 3 bd · 2 ba · sleeps 8 | $17,293 | $253 | 19% | 4.8★ (43) | 0.2 mi | Airbnb |
The Little Chalet Cabin | 3 bd · 1 ba · sleeps 6 | $11,199 | $241 | 13% | 4.8★ (23) | 0.2 mi | AirbnbVrbo |
Family Fun Cabin Hot Tub Pet Friendly Game Room Cabin | 3 bd · 2 ba · sleeps 8 | $43,531 | $900 | 13% | 5★ (4) | 0.2 mi | AirbnbVrbo |
Cozy Cabin: Your Big Bear Retreat with jaccuzi House | 3 bd · 2.5 ba · sleeps 8 | $20,714 | $388 | 15% | 4.7★ (14) | 0.2 mi | Airbnb |
Big Bear A Frame Cabin | 3 bd · 2 ba · sleeps 8 | $8,216 | $270 | 8% | 4.6★ (65) | 0.2 mi | Airbnb |
PK Serene 3BR Cabin w/ Hot Tub & Outdoor Projector House | 3 bd · 2.5 ba · sleeps 8 | $25,009 | $380 | 18% | 4.8★ (389) | 0.2 mi | AirbnbVrbo |
Le’s Serenity Cozy Cabin Hot Tub, Games, A.C. Cabin | 3 bd · 2 ba · sleeps 10 | $32,259 | $292 | 30% | 4.8★ (21) | 0.2 mi | AirbnbVrboBooking |
Modern Big Bear Cabin w Game Room, Big Fenced Yard House | 3 bd · 2.5 ba · sleeps 8 | $51,036 | $268 | 52% | 5★ (88) | 0.2 mi | AirbnbVrbo |
The Lazy Bear Inn- Family Friendly Game Room & Spa Cabin | 3 bd · 2 ba · sleeps 10 | $23,150 | $332 | 19% | 4.8★ (50) | 0.2 mi | AirbnbVrbo |
Pet-friendly cabin with Mountain Views Cabin | 3 bd · 2 ba · sleeps 8 | $30,987 | $173 | 49% | 5★ (50) | 0.3 mi | AirbnbVrboBooking |
Maple Ridge by Rather Be Properties Vacation home | 3 bd · 2 ba · sleeps 10 | $1,750 | $230 | 2% | — | 0.3 mi | Booking |
Modern Home, Hot Tub, Pool Table, Open Family Room House | 3 bd · 2.5 ba · sleeps 10 | $30,485 | $378 | 22% | 5★ (29) | 0.3 mi | Airbnb |
Top 1% Home! StunningViews, GameRoom, AC, FirePit Chalet | 3 bd · 2 ba · sleeps 8 | $67,790 | $269 | 69% | 5★ (190) | 0.3 mi | AirbnbVrboBooking |
Play Big Bear - Relaxing Bear City Family Retreat- Cabin | 3 bd · 2 ba · sleeps 8 | $29,403 | $361 | 22% | 3★ (2) | 0.3 mi | AirbnbVrbo |
*Play Big Bear* Fun-Packed BB City Family Retreat* Cabin | 3 bd · 2 ba · sleeps 8 | $15,539 | $274 | 16% | 5★ (3) | 0.3 mi | AirbnbBooking |
Play Big Bear #2580 Vacation home | 3 bd · 2 ba · sleeps 8 | $13,048 | $431 | 8% | — | 0.3 mi | Booking |
Private Hot Tub • Game Room • Mountain Views Cabin | 3 bd · 2 ba · sleeps 8 | $54,961 | $280 | 54% | 5★ (174) | 0.3 mi | Airbnb |
Cozy Mountain Cabin w/ Hot Tub, Fireplace & Deck House | 3 bd · 2 ba · sleeps 8 | $5,036 | $296 | 5% | 5★ (6) | 0.3 mi | Airbnb |
Big Bear Intrigue House | 3 bd · 2 ba · sleeps 6 | $25,162 | $221 | 31% | 5★ (114) | 0.3 mi | Airbnb |
Pet Friendly Pickleball Paradise and Hot Tub House | 3 bd · 2.5 ba · sleeps 8 | $43,302 | $283 | 42% | 5★ (49) | 0.3 mi | AirbnbVrboBooking |
Gold Rush Retreat, Sleeps 10, Mountain Views House | 3 bd · 3 ba · sleeps 10 | $34,600 | $251 | 38% | 4.9★ (77) | 0.3 mi | Airbnb |
Vintage Hollywood Hideaway: Spa, Sauna, Speakeasy Cabin | 3 bd · 2 ba · sleeps 8 | $71,379 | $339 | 58% | 4.9★ (285) | 0.3 mi | AirbnbVrbo |
Spacious 3br perfect for big Group with hot tub House | 3 bd · 2 ba · sleeps 10 | $8,499 | $406 | 6% | 5★ (4) | 0.3 mi | Airbnb |
Malabar Mountain Cabin Tucked in Forest Pine View. Cabin | 3 bd · 2 ba · sleeps 6 | $24,255 | $148 | 45% | 4.7★ (18) | 0.3 mi | AirbnbVrboBooking |
🍁 MalaBear Lodge in the🌲 🌲15 min to 🏔 Private Spa Cabin | 3 bd · 2 ba · sleeps 8 | $40,027 | $346 | 32% | 4.9★ (182) | 0.3 mi | AirbnbVrboBooking |
Modern Cabin w/Mtn Views/Pool Table/Jacuzzi for 8 House | 3 bd · 2.5 ba · sleeps 8 | $41,893 | $534 | 21% | 4.8★ (334) | 0.3 mi | AirbnbVrbo |
Central AC! Maple Ridge Getaway in Big Bear House | 3 bd · 2.5 ba · sleeps 6 | $32,666 | $340 | 26% | 5★ (124) | 0.3 mi | AirbnbVrbo |
3 bedroom with fireplace + deck - Emerald Retreat House | 3 bd · 2 ba · sleeps 8 | $7,496 | $168 | 12% | 5★ (5) | 0.3 mi | Airbnb |
Family friendly cozy cabin in Big Bear Cabin | 3 bd · 1.5 ba · sleeps 9 | $25,832 | $327 | 22% | 4.8★ (5) | 0.3 mi | Vrbo |
Sweet Cabin Gateway | Cozy Big Bear Retreat Minutes From Adventure Vacation home | 3 bd · 2 ba · sleeps 6 | $20,932 | $427 | 13% | — | 0.4 mi | Booking |
Sweet Cabin Home Gateway #2576 Vacation home | 3 bd · 1 ba · sleeps 6 | $21,687 | $442 | 13% | — | 0.4 mi | Booking |
Wagon Wheel Retreat | Dog-Friendly | Sleeps 8 House | 3 bd · 2 ba · sleeps 8 | $25,280 | $259 | 27% | 4.9★ (17) | 0.4 mi | Airbnb |
Bear Meadow -Create your Big Bear Memories House | 3 bd · 2 ba · sleeps 9 | $17,104 | $468 | 10% | 4.8★ (45) | 0.4 mi | Airbnb |
Stylish Family Cabin w/ Pac-Man & Stone Fireplace! Cabin | 3 bd · 2 ba · sleeps 6 | $10,028 | $250 | 11% | 4.9★ (25) | 0.5 mi | Airbnb |
HOME SWEET HOME sleeps 7- Enjoy the Forest House | 3 bd · 2 ba · sleeps 7 | $22,687 | $198 | 31% | 4.8★ (83) | 0.5 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 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$28,209
NOI
$8,560
Cash flow /mo
-$1,814
Cash needed
$155,510
Cash-on-cash
-14.0%
ROE (yr 1)
-3.0%
Cap rate
1.8%
DSCR
0.28
Year-1 write-off
$153,176
Year-1 tax shield @ 32%
$49,016
Year-1 return on equity
- Cash flow (annual)-$21,768
- Principal paydown$3,069
- Appreciation at%$14,070
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$5,642
- Platform fees (3% of revenue)$846
- Maintenance / capex (5% of revenue)$1,410
- Utilities & supplies$4,200
- HOA$0
- Property tax$5,863
- Insurance (STR-rated)$2,392
Cash needed to close
- Down payment (25%)$117,250
- Closing costs (4.0%)$18,760
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$49,016
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
$375,000
Short-life (5/15-yr)
$133,000 · 35%
Year-1 deduction
$153,000
Year-1 tax shield @ 32%
$49,000
Land 20% (county tax record, assessed value split) · building $242,000 over 39 years · new furniture $20,000
Based on: 1,348 sq ft, built 1981, 3 bd / 2 ba, unfurnished, listing features (hot tub, deck, fence, fireplace, stone counters, flooring types, appliance list).
IRS-guide safe-harbor floor: $102,000 in year 1 (22% short-life, $33,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,000
Kitchen cabinetsdefault
$8,800 new × 40% good × 3.14 allocation
- $11,200
Kitchen countertops (stone)listing
$9,000 new × 40% good × 3.14 allocation
- $3,000
Decorative trimdefault
$2,400 new × 40% good × 3.14 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.14 allocation
- $1,500
Shelvingdefault
$1,200 new × 40% good × 3.14 allocation
- $4,100
Window coverings (13)default
$3,300 new × 40% good × 3.14 allocation
- $10,900
Carpet, vinyl & laminate (100% of floors)listing
$8,700 new × 40% good × 3.14 allocation
- $8,500
Kitchen & laundry equipment plumbingdefault
$6,800 new × 40% good × 3.14 allocation
- $5,200
Kitchen, laundry & data equipment electricaldefault
$4,100 new × 40% good × 3.14 allocation
- $7,200
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 40% good × 3.14 allocation
- $11,300
Hot tub (freestanding)listing
$9,000 new × 40% good × 3.14 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $11,900
Paving: driveway & walks (paved)default
$7,600 new × 50% good × 3.14 allocation
- $11,500
Landscaping (typical)default
$7,300 new × 50% good × 3.14 allocation
- $2,100
Patiosdefault
$1,300 new × 50% good × 3.14 allocation
- $23,800
Decks & porches (attached)listing
$15,200 new × 50% good × 3.14 allocation
- $9,400
Fencinglisting
$6,000 new × 50% good × 3.14 allocation
- $182,900
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$145,800 new × 40% good × 3.14 allocation
- $19,000
Building plumbing & fixturesdefault
$15,100 new × 40% good × 3.14 allocation
- $18,000
Building electrical & lightingdefault
$14,400 new × 40% good × 3.14 allocation
- $19,100
HVACdefault
$15,200 new × 40% good × 3.14 allocation
- $3,300
Fireplacelisting
$2,600 new × 40% good × 3.14 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $93,700 | $58,700 | $800 | $153,200 |
| 2 | $0 | $0 | $6,200 | $6,200 |
| 3 | $0 | $0 | $6,200 | $6,200 |
| 4 | $0 | $0 | $6,200 | $6,200 |
| 5 | $0 | $0 | $6,200 | $6,200 |
| 6+ | $0 | $0 | $216,700 | $216,700 |
| Total | $93,700 | $58,700 | $242,300 | $394,700 |
The building's share of the price ($375,000) is 3.1x 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 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.