127 Stony Creek Rd
Big Bear Lake, CA 92315
$879,000
4 bd · 2.5 ba · 2,192 sqft · Listed 1d ago
View on Realtor.com →Year built
1997
Sqft
2,192
Lot sqft
14,375
HOA / mo
None
Furnished
No
List date
2026-09-29T16:44:58.000000Z
Revenue
Annual revenue
$47,388
ADR
$518
Occupancy
25%
Cleaning fees (12 mo)
$6,590
Confidence
Low (44), 50 comps
Comp revenue range (p25 / median / p75)
Stony Creek Cabin - Gorgeous home in the Eagle Mountain Estates
Vacation home · 4 bd · 3 ba · sleeps 10 · 33 ft
Revenue $47,336ADR $666Occ ≈ 19%5★ (1)
Stony Creek Retreat ~ Charming Mountain escape close to skiing, hiking, the lake, and the Village
Vacation home · 4 bd · 3 ba · sleeps 10 · 295 ft
Revenue $62,829ADR $1,007Occ ≈ 17%—
Stony Creek Retreat #708
Vacation home · 4 bd · 3 ba · sleeps 10 · 295 ft
Revenue $66,462ADR $886Occ ≈ 21%—
Extravagant Big Bear Home, Spa, Large Yard, Pets
Cabin · 4 bd · 3.5 ba · sleeps 8 · 397 ft
Revenue $69,993ADR $493Occ ≈ 39%5★ (151)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Stony Creek Cabin - Gorgeous home in the Eagle Mountain Estates Vacation home | 4 bd · 3 ba · sleeps 10 | $47,336 | $666 | 19% | 5★ (1) | 33 ft | Booking |
Stony Creek Retreat ~ Charming Mountain Escape Cabin | 4 bd · 3 ba · sleeps 10 | $25,524 | $591 | 12% | 5★ (2) | 295 ft | AirbnbVrboBooking |
Stony Creek Retreat ~ Charming Mountain escape close to skiing, hiking, the lake, and the Village Vacation home | 4 bd · 3 ba · sleeps 10 | $62,829 | $1,007 | 17% | — | 295 ft | Booking |
Stony Creek Retreat #708 Vacation home | 4 bd · 3 ba · sleeps 10 | $66,462 | $886 | 21% | — | 295 ft | Booking |
Fox Farm Cabin | Hot Tub, Fenced Yard Cabin | 4 bd · 2.5 ba · sleeps 10 | $26,864 | $510 | 14% | 4.5★ (33) | 331 ft | AirbnbVrbo |
Extravagant Big Bear Home, Spa, Large Yard, Pets Cabin | 4 bd · 3.5 ba · sleeps 8 | $69,993 | $493 | 39% | 5★ (151) | 397 ft | Airbnb |
Luxury Mountain Lodge:A/C!OutdoorLiving!PoolTable! House | 4 bd · 2.5 ba · sleeps 11 | $49,409 | $537 | 25% | 4.8★ (102) | 456 ft | AirbnbVrbo |
Blue Jay Chalet: Fox Farm! Hot Tub! Pet Friendly! House | 4 bd · 2 ba · sleeps 9 | $38,162 | $331 | 32% | 4.9★ (92) | 489 ft | AirbnbVrbo |
4BR house close to skiing, hiking, lake & village House | 4 bd · 3 ba · sleeps 10 | $50,784 | $741 | 19% | 5★ (3) | 512 ft | AirbnbVrbo |
Walk to Octoberfest | 4BR Big Bear Retreat Cabin | 4 bd · 3 ba · sleeps 8 | $59,514 | $412 | 40% | 4.9★ (54) | 512 ft | AirbnbVrbo |
Show all 50 comps
Grandma Big Bear's House is a warm family home!
House · 4 bd · 3 ba · sleeps 8 · 0.1 mi
Revenue $21,466ADR $566Occ ≈ 10%5★ (90)
Big Bear White Skies ~ Fantastic cabin with fireplace, game room, mountain view, & hot tub
Vacation home · 4 bd · 3 ba · sleeps 11 · 0.1 mi
Revenue $71,841ADR $933Occ ≈ 21%—
Big Bear White Skies #674
Vacation home · 4 bd · 3 ba · sleeps 11 · 0.1 mi
Revenue $94,181ADR $1,070Occ ≈ 24%—
‘Dancing Bear Lodge’ ~ 1 Mi to Big Bear Lake!
Vacation home · 4 bd · 3 ba · sleeps 9 · 0.2 mi
Revenue $53,079ADR $610Occ ≈ 24%4.4★ (4)
Ultimate year-round retreat! Gameroom*HotTub*Sauna
House · 4 bd · 2.5 ba · sleeps 10 · 0.2 mi
Revenue $58,692ADR $659Occ ≈ 24%4.7★ (7)
Whispering Pines Big Bear Lake - Ultra-Modern Luxury Log Cabin Retreat - Hot Tub
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $99,422ADR $1,344Occ ≈ 20%—
Luxe Mountain Home on Big Bear Eagle Preserve
House · 4 bd · 2.5 ba · sleeps 8 · 0.3 mi
Revenue $75,603ADR $439Occ ≈ 47%4.8★ (353)
Cabin in Big Bear Lake
House · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $20,861ADR $1,043Occ ≈ 5%5★ (4)
Fox Farm Manor - Custom built home with woodsy vaulted ceilings!
Vacation home · 4 bd · 2 ba · sleeps 11 · 0.3 mi
Revenue $45,349ADR $0Occ ≈ ——
Upscale log cabin with gourmet kitchen, fireplace, minutes away from attractions
Cabin · 4 bd · 3 ba · sleeps 11 · 0.3 mi
Revenue $5,934ADR $456Occ ≈ 4%4.9★ (54)
Upscale log cabin with gourmet kitchen, fireplace, minutes away from attractions
Cabin · 4 bd · 3 ba · sleeps 11 · 0.3 mi
Revenue $9,645ADR $567Occ ≈ 5%—
Hot Tub Dogs OK BBQ Shuffleboard and more
House · 4 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $24,116ADR $631Occ ≈ 10%—
Four bedroom home. Hot Tub, Dogs OK, BBQ, Shuffleboard, and much more!
House · 4 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $8,874ADR $633Occ ≈ 4%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Stork and Bear Cabin: Luxury! Pool Table! House | 4 bd · 3 ba · sleeps 14 | $31,284 | $688 | 12% | 4.8★ (50) | 0.1 mi | AirbnbVrbo |
Grandma Big Bear's House is a warm family home! House | 4 bd · 3 ba · sleeps 8 | $21,466 | $566 | 10% | 5★ (90) | 0.1 mi | Airbnb |
Big Bear White Skies ~ Fantastic cabin with fireplace, game room, mountain view, & hot tub Vacation home | 4 bd · 3 ba · sleeps 11 | $71,841 | $933 | 21% | — | 0.1 mi | Booking |
Big Bear White Skies #674 Vacation home | 4 bd · 3 ba · sleeps 11 | $94,181 | $1,070 | 24% | — | 0.1 mi | Booking |
Big Bear White Skies – Family Cabin with Hot Tub, Cabin | 4 bd · 3 ba · sleeps 11 | $45,144 | $783 | 16% | 4.7★ (6) | 0.1 mi | AirbnbVrboBooking |
Pet Friendly! 2 Master Suites! Fenced Yard! House | 4 bd · 3 ba · sleeps 10 | $47,732 | $372 | 35% | 4.9★ (63) | 0.2 mi | AirbnbVrbo |
‘Dancing Bear Lodge’ ~ 1 Mi to Big Bear Lake! Vacation home | 4 bd · 3 ba · sleeps 9 | $53,079 | $610 | 24% | 4.4★ (4) | 0.2 mi | Booking |
Charming Cabin · Hot Tub · 7 Min to Ski Resorts! House | 4 bd · 3 ba · sleeps 8 | $39,219 | $485 | 22% | 4.9★ (24) | 0.2 mi | AirbnbVrboBooking |
Castlewood Lodge, Game Room, Hot Tub House | 4 bd · 2 ba · sleeps 13 | $36,295 | $525 | 19% | 4.8★ (71) | 0.2 mi | AirbnbVrbo |
Prime Big Bear Location! Pool Table! Foosball! House | 4 bd · 3 ba · sleeps 10 | $2,607 | $434 | 2% | — | 0.2 mi | AirbnbVrbo |
Cozy Family cabin Close to LAKE & Slopes GAMES BEA Cabin | 4 bd · 2 ba · sleeps 10 | $25,517 | $607 | 12% | 5★ (12) | 0.2 mi | AirbnbVrboBooking |
Spacious Big Bear Home w/ Game Room + Hot Tub! House | 4 bd · 2.5 ba · sleeps 12 | $47,249 | $675 | 19% | 4.2★ (25) | 0.2 mi | AirbnbVrboBooking |
LUX Custom Log Cabin! Movie Theater/Game Room! House | 4 bd · 2.5 ba · sleeps 14 | $61,609 | $665 | 25% | 4.8★ (55) | 0.2 mi | AirbnbVrbo |
Fox Farm, Fireplace, Deck, BBQ, Sleeps 11 Cabin | 4 bd · 2.5 ba · sleeps 11 | $0 | $0 | — | 4★ (6) | 0.2 mi | AirbnbVrbo |
Ultimate year-round retreat! Gameroom*HotTub*Sauna House | 4 bd · 2.5 ba · sleeps 10 | $58,692 | $659 | 24% | 4.7★ (7) | 0.2 mi | Airbnb |
Lux Spacious with 2 Masters!MountainViews!HotTub! House | 4 bd · 3.5 ba · sleeps 15 | $79,488 | $628 | 35% | 4.8★ (67) | 0.2 mi | AirbnbVrbo |
Game Room! BIG! 2750 sqft Close to Lake/Slopes TEA Cabin | 4 bd · 3 ba · sleeps 10 | $61,012 | $543 | 31% | 4.5★ (75) | 0.2 mi | AirbnbVrboBooking |
Cozy Big Bear Cabin House | 4 bd · 3 ba · sleeps 12 | $51,529 | $612 | 23% | 5★ (43) | 0.3 mi | AirbnbVrbo |
Newly Built Cabin! Spa, HugeFencedDeck, Arcades Cabin | 4 bd · 2 ba · sleeps 8 | $59,859 | $318 | 52% | 4.8★ (173) | 0.3 mi | AirbnbVrbo |
Whispering Pines Big Bear Lake - Ultra-Modern Luxury Log Cabin Retreat - Hot Tub Vacation home | 4 bd · 3 ba · sleeps 10 | $99,422 | $1,344 | 20% | — | 0.3 mi | Booking |
Luxe Mountain Home on Big Bear Eagle Preserve House | 4 bd · 2.5 ba · sleeps 8 | $75,603 | $439 | 47% | 4.8★ (353) | 0.3 mi | Airbnb |
Game Room, Fenced Dog Yard, Hot Tub, Charm Galore Cabin | 4 bd · 3 ba · sleeps 10 | $41,560 | $610 | 19% | 4.9★ (81) | 0.3 mi | AirbnbVrbo |
Whispering Pines Big Bear Cabin w/ Hot Tub + Games Cabin | 4 bd · 3 ba · sleeps 10 | $71,768 | $1,257 | 16% | 5★ (1) | 0.3 mi | AirbnbVrboBooking |
Cabin in Big Bear Lake House | 4 bd · 3 ba · sleeps 10 | $20,861 | $1,043 | 5% | 5★ (4) | 0.3 mi | Airbnb |
Hidden Bridge ~ Deck & Hot Tub near the Village House | 4 bd · 3 ba · sleeps 11 | $6,140 | $401 | 4% | 4.8★ (4) | 0.3 mi | AirbnbVrboBooking |
5-Star! Hot Tub Game room! Close Slopes & Lake JC Cabin | 4 bd · 3 ba · sleeps 11 | $34,164 | $840 | 11% | 4.8★ (113) | 0.3 mi | AirbnbVrboBooking |
Upscale cabin with gourmet kitchenFireplaceAcre lo Cabin | 4 bd · 3 ba · sleeps 11 | $52,482 | $620 | 23% | 4.8★ (17) | 0.3 mi | AirbnbVrboBooking |
Fox Farm Manor - Custom built home with woodsy vaulted ceilings! Vacation home | 4 bd · 2 ba · sleeps 11 | $45,349 | $0 | — | — | 0.3 mi | Booking |
Oktoberfest, Ski slopes, and the Village Cabin | 4 bd · 3 ba · sleeps 16 | $57,775 | $705 | 22% | 5★ (128) | 0.3 mi | AirbnbVrbo |
Bernard by AvantStay | Luxurious Cabin w/ Hot Tub Cabin | 4 bd · 3 ba · sleeps 14 | $77,198 | $666 | 32% | 4.7★ (141) | 0.3 mi | AirbnbVrboBooking |
Beary Cozy Cabin:Log Cabin!Spa!Foosball! House | 4 bd · 2.5 ba · sleeps 10 | $19,411 | $480 | 11% | 4.9★ (21) | 0.3 mi | AirbnbVrbo |
Upscale log cabin with gourmet kitchen, fireplace, minutes away from attractions Cabin | 4 bd · 3 ba · sleeps 11 | $5,934 | $456 | 4% | 4.9★ (54) | 0.3 mi | Vrbo |
Upscale log cabin with gourmet kitchen, fireplace, minutes away from attractions Cabin | 4 bd · 3 ba · sleeps 11 | $9,645 | $567 | 5% | — | 0.3 mi | Vrbo |
Sleeps 10-Near Oktoberfest & FamilyRecreationArea Cabin | 4 bd · 3 ba · sleeps 10 | $29,622 | $364 | 22% | 4.8★ (172) | 0.3 mi | AirbnbVrbo |
Copper Pine Retreat / Spa, Large Back yard, House | 4 bd · 3 ba · sleeps 10 | $17,282 | $547 | 9% | 5★ (1) | 0.3 mi | AirbnbVrboBooking |
4BR Log Cabin w/ Hot Tub, Fire Pit & Shuffleboard Cabin | 4 bd · 3 ba · sleeps 10 | $16,355 | $351 | 13% | 5★ (13) | 0.3 mi | AirbnbVrbo |
Adventure Bearadise | Big Bear Lake • Ski • Games Cabin | 4 bd · 2.5 ba · sleeps 8 | $16,038 | $538 | 8% | 5★ (149) | 0.3 mi | AirbnbVrbo |
Boulder Estate. Hot Tub in Boulders. Views. Games. House | 4 bd · 3.5 ba · sleeps 13 | $69,690 | $0 | — | 4.8★ (45) | 0.4 mi | AirbnbVrbo |
Hot Tub Dogs OK BBQ Shuffleboard and more House | 4 bd · 3 ba · sleeps 10 | $24,116 | $631 | 10% | — | 0.4 mi | Vrbo |
Four bedroom home. Hot Tub, Dogs OK, BBQ, Shuffleboard, and much more! House | 4 bd · 3 ba · sleeps 10 | $8,874 | $633 | 4% | — | 0.4 mi | Vrbo |
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
Est. revenue
$47,388
NOI
$15,767
Cash flow /mo
$1,314
Cash needed
$943,160
Cash-on-cash (all cash)
1.7%
ROE (yr 1)
4.5%
Cap rate
1.8%
DSCR
—
Year-1 write-off
$205,147
Year-1 tax shield @ 32%
$65,647
Year-1 return on equity
- Cash flow (annual)$15,767
- Principal paydown (n/a, cash)$0
- Appreciation at%$26,370
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)$9,478
- Platform fees (3% of revenue)$1,422
- Maintenance / capex (5% of revenue)$2,369
- Utilities & supplies$4,200
- HOA$0
- Property tax$10,988
- Insurance (STR-rated)$4,483
Cash needed to close
- Purchase price (all cash)$879,000
- Closing costs (4.0%)$35,160
- Furnishing (bought new)$29,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$65,647
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
$703,000
Short-life (5/15-yr)
$174,000 · 25%
Year-1 deduction
$205,000
Year-1 tax shield @ 32%
$66,000
Land 20% (county tax record, assessed value split) · building $529,000 over 39 years · new furniture $29,000
Based on: 2,192 sq ft, built 1997, 4 bd / 2.5 ba, unfurnished, listing features (hot tub, deck, fence, game room, fireplace, stone counters, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $128,000 in year 1 (14% short-life, $41,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $14,200
Kitchen cabinetsdefault
$10,600 new × 40% good × 3.36 allocation
- $14,600
Kitchen countertops (stone)listing
$10,800 new × 40% good × 3.36 allocation
- $5,200
Decorative trimdefault
$3,800 new × 40% good × 3.36 allocation
- $400
Mirrorsdefault
$300 new × 40% good × 3.36 allocation
- $2,000
Shelvingdefault
$1,500 new × 40% good × 3.36 allocation
- $7,400
Window coverings (22)default
$5,500 new × 40% good × 3.36 allocation
- $9,500
Carpet, vinyl & laminate (50% of floors)listing
$7,100 new × 40% good × 3.36 allocation
- $11,600
Kitchen & laundry equipment plumbingdefault
$8,300 new × 42% good × 3.36 allocation
- $7,000
Kitchen, laundry & data equipment electricaldefault
$5,000 new × 42% good × 3.36 allocation
- $3,400
Appliances (range, microwave)listing
$2,500 new × 40% good × 3.36 allocation
- $12,100
Hot tub (freestanding)listing
$9,000 new × 40% good × 3.36 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
- $16,300
Paving: driveway & walks (paved)default
$9,700 new × 50% good × 3.36 allocation
- $15,700
Landscaping (typical)default
$9,300 new × 50% good × 3.36 allocation
- $3,600
Patiosdefault
$2,200 new × 50% good × 3.36 allocation
- $41,400
Decks & porches (attached)listing
$24,700 new × 50% good × 3.36 allocation
- $10,100
Fencinglisting
$6,000 new × 50% good × 3.36 allocation
- $412,400
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$237,700 new × 52% good × 3.36 allocation
- $34,800
Building plumbing & fixturesdefault
$24,700 new × 42% good × 3.36 allocation
- $35,300
Building electrical & lightingdefault
$25,100 new × 42% good × 3.36 allocation
- $33,200
HVACdefault
$24,700 new × 40% good × 3.36 allocation
- $9,500
Hardwood & tile floorsdefault
$7,100 new × 40% good × 3.36 allocation
- $3,500
Fireplacelisting
$2,600 new × 40% good × 3.36 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $116,400 | $87,100 | $1,700 | $205,100 |
| 2 | $0 | $0 | $13,600 | $13,600 |
| 3 | $0 | $0 | $13,600 | $13,600 |
| 4 | $0 | $0 | $13,600 | $13,600 |
| 5 | $0 | $0 | $13,600 | $13,600 |
| 6+ | $0 | $0 | $472,800 | $472,800 |
| Total | $116,400 | $87,100 | $528,700 | $732,200 |
The building's share of the price ($703,000) is 3.4x our depreciated replacement cost of the home ($209,000). 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.