2084 5th Ln
Big Bear City, CA 92314
$429,000
3 bd · 2 ba · 1,160 sqft · Listed 1d ago
View on Realtor.com →Year built
1981
Sqft
1,160
Lot sqft
2,242
HOA / mo
$0
Furnished
No
List date
2026-10-07T23:18:33.000000Z
Revenue
Annual revenue
$22,482
ADR
$232
Occupancy
27%
Cleaning fees (12 mo)
$4,204
Confidence
Low (41.51), 28 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $20,411
Hershey Bear Cabin:NEW! Igloo,Hot Tub,Dog Friendly
Cabin · 3 bd · 1.5 ba · sleeps 6 · 0.1 mi
Revenue $36,294ADR $418Occ ≈ 24%4.9★ (47)
Delisted
Bluebird Haven
Cabin · 3 bd · 2 ba · sleeps 8 · 0.1 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $10,520ADR $272Occ ≈ 11%5★ (19)
Cedar Creek
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $14,072ADR $230Occ ≈ 17%4.6★ (62)
Delisted
Cozy Cabin on Sixth - FREE EV Charging!
Cabin · 3 bd · 1 ba · sleeps 8 · 0.2 mi
Revenue $446ADR $223Occ ≈ 1%4.9★ (41)
3rd Night FREE Blue Snowflake Big Bear Mtn. Resort
Cabin · 3 bd · 1.5 ba · sleeps 10 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Fireplace
Revenue $3,876ADR $343Occ ≈ 3%5★ (1)
Entire Home • 4 Beds • 3 Bedroom Big Bear
House · 3 bd · 3 ba · sleeps 7 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Fireplace
Revenue $21,251ADR $320Occ ≈ 18%5★ (137)
Gorgeous Newly Remodeled Cabin Minutes from slopes
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $14,690ADR $240Occ ≈ 17%5★ (35)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hershey Bear Cabin:NEW! Igloo,Hot Tub,Dog Friendly Cabin | 3 bd · 1.5 ba · sleeps 6 | $36,294 | $418 | 24% | 4.9★ (47) | 0.1 mi | Delisted |
Lincoln Log Cabin | Renovated | Near Attractions House
| 3 bd · 2 ba · sleeps 8 | $15,635 | $295 | 15% | 4.5★ (9) | 0.1 mi | AirbnbVrboBooking |
Bluebird Haven Cabin
| 3 bd · 2 ba · sleeps 8 | $10,520 | $272 | 11% | 5★ (19) | 0.1 mi | Airbnb |
A Frame Escape ! Fully fenced! Cabin
| 3 bd · 2 ba · sleeps 8 | $21,642 | $134 | 44% | 4.5★ (165) | 0.1 mi | AirbnbVrbo |
Big Bear Getaway! Chalet
| 3 bd · 2.5 ba · sleeps 8 | $28,369 | $192 | 40% | 4.7★ (222) | 0.2 mi | AirbnbVrbo |
Cedar Creek House | 3 bd · 2 ba · sleeps 8 | $14,072 | $230 | 17% | 4.6★ (62) | 0.2 mi | Delisted |
Cozy Cabin on Sixth - FREE EV Charging! Cabin | 3 bd · 1 ba · sleeps 8 | $446 | $223 | 1% | 4.9★ (41) | 0.2 mi | Airbnb |
3rd Night FREE Blue Snowflake Big Bear Mtn. Resort Cabin
| 3 bd · 1.5 ba · sleeps 10 | $3,876 | $343 | 3% | 5★ (1) | 0.2 mi | Airbnb |
Entire Home • 4 Beds • 3 Bedroom Big Bear House
| 3 bd · 3 ba · sleeps 7 | $21,251 | $320 | 18% | 5★ (137) | 0.2 mi | Airbnb |
Gorgeous Newly Remodeled Cabin Minutes from slopes House | 3 bd · 2 ba · sleeps 8 | $14,690 | $240 | 17% | 5★ (35) | 0.3 mi | Airbnb |
Show 18 more
'The Bear's Den' Cabin: 8 Mi to Snow Summit!
Cabin · 3 bd · 2 ba · sleeps 7 · 0.3 mi
Revenue $19,570ADR $338Occ ≈ 16%4.2★ (55)
Beary Peaceful Ski & SPA Retreat, Ping Pong
Cabin · 3 bd · 3 ba · sleeps 8 · 0.4 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +3
Revenue $43,148ADR $297Occ ≈ 40%4.8★ (79)
Beary Peaceful
Vacation home · 3 bd · 3 ba · sleeps 8 · 0.4 mi
Revenue $41,220ADR $262Occ ≈ 43%—
Whistling Birds ~ EV Charge
House · 3 bd · 2 ba · sleeps 8 · 0.4 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +4
Revenue $26,896ADR $236Occ ≈ 31%5★ (39)
Peaceful, 3 BD Modern Cabin & Game Room
Cabin · 3 bd · 2 ba · sleeps 6 · 0.4 mi
Revenue $10,578ADR $264Occ ≈ 11%4.9★ (20)
Home w/ SPA, Fire Pit, Yard near Ski Resort & Lake
Cabin · 3 bd · 1 ba · sleeps 6 · 0.4 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $31,687ADR $247Occ ≈ 35%4.9★ (109)
Starlight Hideaway: Big Bear Log Cabin w/ Hot tub!
Cabin · 3 bd · 2 ba · sleeps 8 · 0.4 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $24,426ADR $336Occ ≈ 20%5★ (45)
Mama Bear's Manor - Luxury Spa - No Cleaning Fee
Cabin · 3 bd · 2 ba · sleeps 10 · 0.5 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $32,790ADR $503Occ ≈ 18%4.9★ (56)
Little Big Sky Retreat - Hot Tub
Cabin · 3 bd · 2 ba · sleeps 6 · 0.6 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $43,161ADR $305Occ ≈ 39%5★ (113)
One Hundred Pines Equestrian Ranch at Big Bear Lake
Vacation home · 3 bd · 2 ba · sleeps 6 · 0.7 mi
Revenue $9,906ADR $304Occ ≈ 9%—
Wagon Wheel Retreat | Dog-Friendly | Sleeps 8
House · 3 bd · 2 ba · sleeps 8 · 0.7 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $27,129ADR $256Occ ≈ 29%4.9★ (17)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
'The Bear's Den' Cabin: 8 Mi to Snow Summit! Cabin | 3 bd · 2 ba · sleeps 7 | $19,570 | $338 | 16% | 4.2★ (55) | 0.3 mi | Airbnb |
Beary Peaceful Ski & SPA Retreat, Ping Pong Cabin
| 3 bd · 3 ba · sleeps 8 | $43,148 | $297 | 40% | 4.8★ (79) | 0.4 mi | Airbnb |
Beary Peaceful Vacation home | 3 bd · 3 ba · sleeps 8 | $41,220 | $262 | 43% | — | 0.4 mi | Booking |
Whistling Birds ~ EV Charge House
| 3 bd · 2 ba · sleeps 8 | $26,896 | $236 | 31% | 5★ (39) | 0.4 mi | Airbnb |
Peaceful, 3 BD Modern Cabin & Game Room Cabin | 3 bd · 2 ba · sleeps 6 | $10,578 | $264 | 11% | 4.9★ (20) | 0.4 mi | Booking |
Spruce Vacation home | 3 bd · 2 ba · sleeps 6 | $17,256 | $328 | 14% | — | 0.4 mi | Booking |
Home w/ SPA, Fire Pit, Yard near Ski Resort & Lake Cabin
| 3 bd · 1 ba · sleeps 6 | $31,687 | $247 | 35% | 4.9★ (109) | 0.4 mi | Airbnb |
Starlight Hideaway: Big Bear Log Cabin w/ Hot tub! Cabin
| 3 bd · 2 ba · sleeps 8 | $24,426 | $336 | 20% | 5★ (45) | 0.4 mi | Airbnb |
StAr wArS exhibit Log Cabin, game room, hot tub Cabin
| 3 bd · 1.5 ba · sleeps 10 | $41,254 | $321 | 35% | 5★ (231) | 0.5 mi | AirbnbVrbo |
3BR Starlight Stargaze Haus - EV & Fireplace Cabin
| 3 bd · 2 ba · sleeps 7 | $15,191 | $245 | 17% | 4.9★ (13) | 0.5 mi | AirbnbVrbo |
Cozy Fall Cabin-Hot Tub, Arcade, Play Room Cabin
| 3 bd · 2 ba · sleeps 10 | $44,109 | $305 | 40% | 4.8★ (88) | 0.5 mi | AirbnbVrbo |
Beach to Mountains Chalet Cabin
| 3 bd · 2.5 ba · sleeps 8 | $15,670 | $192 | 22% | 5★ (14) | 0.5 mi | AirbnbVrbo |
Mama Bear's Manor - Luxury Spa - No Cleaning Fee Cabin
| 3 bd · 2 ba · sleeps 10 | $32,790 | $503 | 18% | 4.9★ (56) | 0.5 mi | Airbnb |
Mountain Retreat near Big Bear Lake – 3 BR, 2. BA, Cottage
| 3 bd · 2.5 ba · sleeps 8 | $712 | $356 | 1% | 5★ (1) | 0.6 mi | AirbnbVrbo |
Little Big Sky Retreat - Hot Tub Cabin
| 3 bd · 2 ba · sleeps 6 | $43,161 | $305 | 39% | 5★ (113) | 0.6 mi | Airbnb |
One Hundred Pines Equestrian Ranch at Big Bear Lake Vacation home | 3 bd · 2 ba · sleeps 6 | $9,906 | $304 | 9% | — | 0.7 mi | Booking |
One Hundred Pines Equestrian Ranch at Big Bear Cabin
| 3 bd · 2.5 ba · sleeps 6 | $14,444 | $280 | 14% | 4.5★ (6) | 0.7 mi | AirbnbVrboBooking |
Wagon Wheel Retreat | Dog-Friendly | Sleeps 8 House
| 3 bd · 2 ba · sleeps 8 | $27,129 | $256 | 29% | 4.9★ (17) | 0.7 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
$22,482
NOI
$5,080
Cash flow /mo
-$1,944
Cash needed
$143,910
Cash-on-cash
-16.2%
ROE (yr 1)
-5.4%
Cap rate
1.2%
DSCR
0.18
Year-1 write-off
$135,161
Year-1 tax shield @ 32%
$43,252
Year-1 return on equity
- Cash flow (annual)-$23,331
- Principal paydown$2,672
- Appreciation at%$12,870
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)$4,496
- Platform fees (3% of revenue)$674
- Maintenance / capex (5% of revenue)$1,124
- Utilities & supplies$4,200
- HOA$0
- Property tax$5,363
- Insurance (STR-rated)$2,188
Cash needed to close
- Down payment (25%)$107,250
- Closing costs (4.0%)$17,160
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$43,252
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
$343,000
Short-life (5/15-yr)
$115,000 · 34%
Year-1 deduction
$135,000
Year-1 tax shield @ 32%
$43,000
Land 20% (county tax record, assessed value split) · building $228,000 over 39 years · new furniture $20,000
Based on: 1,160 sq ft, built 1981, 3 bd / 2 ba, unfurnished, listing features (deck, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $86,000 in year 1 (19% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,600
Kitchen cabinetsdefault
$8,300 new × 40% good × 3.49 allocation
- $9,500
Kitchen countertopsdefault
$6,800 new × 40% good × 3.49 allocation
- $2,800
Decorative trimdefault
$2,000 new × 40% good × 3.49 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.49 allocation
- $1,700
Shelvingdefault
$1,200 new × 40% good × 3.49 allocation
- $4,200
Window coverings (12)default
$3,000 new × 40% good × 3.49 allocation
- $10,400
Carpet, vinyl & laminate (100% of floors)listing
$7,500 new × 40% good × 3.49 allocation
- $9,100
Kitchen & laundry equipment plumbingdefault
$6,500 new × 40% good × 3.49 allocation
- $5,500
Kitchen, laundry & data equipment electricaldefault
$3,900 new × 40% good × 3.49 allocation
- $11,300
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 3.49 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $12,300
Paving: driveway & walks (paved)default
$7,100 new × 50% good × 3.49 allocation
- $11,800
Landscaping (typical)default
$6,800 new × 50% good × 3.49 allocation
- $2,000
Patiosdefault
$1,100 new × 50% good × 3.49 allocation
- $22,800
Decks & porches (attached)listing
$13,100 new × 50% good × 3.49 allocation
- $174,700
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$125,200 new × 40% good × 3.49 allocation
- $18,100
Building plumbing & fixturesdefault
$13,000 new × 40% good × 3.49 allocation
- $16,700
Building electrical & lightingdefault
$12,000 new × 40% good × 3.49 allocation
- $18,200
HVACdefault
$13,100 new × 40% good × 3.49 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $86,000 | $48,900 | $200 | $135,200 |
| 2 | $0 | $0 | $5,800 | $5,800 |
| 3 | $0 | $0 | $5,800 | $5,800 |
| 4 | $0 | $0 | $5,800 | $5,800 |
| 5 | $0 | $0 | $5,800 | $5,800 |
| 6+ | $0 | $0 | $204,200 | $204,200 |
| Total | $86,000 | $48,900 | $227,800 | $362,700 |
The building's share of the price ($343,000) is 3.5x our depreciated replacement cost of the home ($98,000). 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, 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.