698 Highland Ln Lot 52
Sugarloaf, CA 92386
$265,000
2 bd · 1 ba · Listed 3d ago
View on Realtor.com →Year built
1965
Sqft
—
Lot sqft
5,000
HOA / mo
None
Furnished
Yes
List date
2026-10-08T16:32:46.000000Z
Revenue
Annual revenue
$25,058
ADR
$177
Occupancy
39%
Cleaning fees (12 mo)
$6,033
Confidence
Low (25.91), 48 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $17,935
Couples Retreat: Starlit Hot Tub Near Big Bear
House · 2 bd · 1 ba · sleeps 5 · 154 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $33,743ADR $201Occ ≈ 46%4.8★ (64)
Wandering Bear Cabin
Cabin · 2 bd · 2 ba · sleeps 5 · 154 ft
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $9,300ADR $256Occ ≈ 10%5★ (108)
Noir Cabin BIG BEAR *Spa* EV Charger *A/C* Hiking
Cabin · 2 bd · 1 ba · sleeps 4 · 322 ft
Revenue $64,394ADR $222Occ ≈ 79%5★ (261)
Cozy cabin for rent.
Cabin · 2 bd · 1 ba · sleeps 4 · 453 ft
- Free parking
- Wifi
- Kitchen
- Fireplace
Revenue $33,395ADR $150Occ ≈ 61%4.5★ (59)
Cozy Cabin with Arcade Fun
House · 2 bd · 1 ba · sleeps 6 · 459 ft
- Free parking
- Wifi
- Kitchen
- Fireplace
- +1
Revenue $31,245ADR $154Occ ≈ 56%5★ (97)
Pet Welcoming Coyote Creek Cabin-BIG BEAR
Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $14,843ADR $1,382Occ ≈ 3%4.8★ (67)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Cozy Cabin in Sugarloaf Cabin
| 2 bd · 2 ba · sleeps 8 | $34,578 | $204 | 46% | 4.8★ (67) | 115 ft | AirbnbBooking |
Couples Retreat: Starlit Hot Tub Near Big Bear House
| 2 bd · 1 ba · sleeps 5 | $33,743 | $201 | 46% | 4.8★ (64) | 154 ft | Airbnb |
Wandering Bear Cabin Cabin
| 2 bd · 2 ba · sleeps 5 | $9,300 | $256 | 10% | 5★ (108) | 154 ft | Airbnb |
Twin Bear Cabin + Indoor Fireplace + BBQ! Cabin
| 2 bd · 1 ba · sleeps 4 | $13,165 | $77 | 47% | 3.2★ (4) | 203 ft | AirbnbVrbo |
Noir Cabin BIG BEAR *Spa* EV Charger *A/C* Hiking Cabin | 2 bd · 1 ba · sleeps 4 | $64,394 | $222 | 79% | 5★ (261) | 322 ft | Airbnb |
Private cabin near hiking & lake House
| 2 bd · 2 ba · sleeps 4 | $9,920 | $64 | 42% | 5★ (1) | 397 ft | AirbnbVrbo |
Cozy cabin for rent. Cabin
| 2 bd · 1 ba · sleeps 4 | $33,395 | $150 | 61% | 4.5★ (59) | 453 ft | Airbnb |
Fenced Yard + Fire Pit | Pet-Friendly Cabin
| 2 bd · 1.5 ba · sleeps 6 | $18,583 | $285 | 18% | 4.5★ (15) | 456 ft | AirbnbVrboBooking |
Cozy Cabin with Arcade Fun House
| 2 bd · 1 ba · sleeps 6 | $31,245 | $154 | 56% | 5★ (97) | 459 ft | Airbnb |
Pet Welcoming Coyote Creek Cabin-BIG BEAR Cabin | 2 bd · 1 ba · sleeps 6 | $14,843 | $1,382 | 3% | 4.8★ (67) | 0.1 mi | Delisted |
Show 37 more
Pet Friendly | Foosball | Fire Pit | BBQ| WiFi
Cabin · 2 bd · 1 ba · sleeps 4 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +2
Revenue $719ADR $83Occ ≈ 2%—
NEW! Spa, Pet Friendly, EV Charger, BBQ, PS4!
Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $15,097ADR $269Occ ≈ 15%4.6★ (13)
Pet friendly Red Farmhouse Cabin
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $5,068ADR $335Occ ≈ 4%4.8★ (38)
The K Chalet - An Intimate Mountain Retreat
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $19,077ADR $231Occ ≈ 23%5★ (77)
3 Oaks Cabin - Secluded Private Cabin w Hot Tub
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +4
Revenue $54,919ADR $226Occ ≈ 67%5★ (169)
Vintage Cozy Cabin- Perfect for the Family-WiFi
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $1,384ADR $346Occ ≈ 1%4.8★ (9)
Onyx Cabin BIG BEAR *Spa* EV Charger*Hiking Trails
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $58,920ADR $214Occ ≈ 75%5★ (147)
Sugarcubs Cabin
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Fireplace
Revenue $6,313ADR $229Occ ≈ 8%5★ (76)
Cozy Modern Cabin with Fire Place, Foosball & BBQ
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $44,213ADR $200Occ ≈ 61%5★ (184)
Maple Comfort Reserve, 2BR near Lake & Trails, AC!
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $22,662ADR $164Occ ≈ 38%4.5★ (13)
Bearadise Cabin
Vacation home · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $33,200ADR $240Occ ≈ 38%4.5★ (1)
*NEW* Sugar Bear Retreat w/ SPA & EV CHARGING
Cabin · 2 bd · 1.5 ba · sleeps 7 · 0.2 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +4
Revenue $23,875ADR $194Occ ≈ 34%4.8★ (230)
Cozy Cabin Retreat
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $21,971ADR $109Occ ≈ 55%5★ (11)
Enchanting Hideaway 3BR, 2BA Cabin!
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $12,587ADR $220Occ ≈ 16%5★ (11)
Delisted
Big Bear Sugarloaf House
House · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $847ADR $196Occ ≈ 1%5★ (2)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Mid-Century Cabin w/ Hot Tub Mins to Bear Mountain House
| 2 bd · 1 ba · sleeps 6 | $3,165 | $243 | 4% | 5★ (3) | 0.1 mi | AirbnbVrboBooking |
Big Bear Cabin w/ EV Charging, Fireplace & Deck! Cabin
| 2 bd · 1.5 ba · sleeps 6 | $590 | $118 | 1% | — | 0.1 mi | AirbnbBooking |
Whispering Pines | EV Chrg, Near Trails, Dogs Ok! House | 2 bd · 1.5 ba · sleeps 6 | $15,579 | $149 | 29% | 4.7★ (9) | 0.1 mi | AirbnbBooking |
Pet Friendly | Foosball | Fire Pit | BBQ| WiFi Cabin
| 2 bd · 1 ba · sleeps 4 | $719 | $83 | 2% | — | 0.1 mi | Vrbo |
A-Frame Maple Chalet |Fire Pit, Hot Tub, Foosball Cabin
| 2 bd · 1 ba · sleeps 4 | $31,156 | $140 | 61% | 4.8★ (176) | 0.1 mi | AirbnbVrbo |
Family Cabin Retreat Close to Lake, and Trails Cabin
| 2 bd · 1.5 ba · sleeps 6 | $38,123 | $201 | 52% | 4.9★ (183) | 0.1 mi | AirbnbVrbo |
NEW! Spa, Pet Friendly, EV Charger, BBQ, PS4! Cabin
| 2 bd · 1 ba · sleeps 6 | $15,097 | $269 | 15% | 4.6★ (13) | 0.1 mi | Airbnb |
Pet friendly Red Farmhouse Cabin House
| 2 bd · 2 ba · sleeps 6 | $5,068 | $335 | 4% | 4.8★ (38) | 0.2 mi | Airbnb |
Cozy Cabin Near Big Bear | Pet-Friendly+Arcade Fun Cabin
| 2 bd · 1.5 ba · sleeps 6 | $7,656 | $105 | 20% | 4.5★ (2) | 0.2 mi | AirbnbVrbo |
Sugarloaf Cabin + Fenced Yard + Fire Pit Cabin
| 2 bd · 1 ba · sleeps 4 | $9,514 | $202 | 13% | 4.8★ (22) | 0.2 mi | AirbnbVrboBooking |
The K Chalet - An Intimate Mountain Retreat Cabin
| 2 bd · 2 ba · sleeps 6 | $19,077 | $231 | 23% | 5★ (77) | 0.2 mi | Airbnb |
Fenced yard-Hot tub-EV charger-Pets OK-AC/Heating! Cabin
| 2 bd · 1 ba · sleeps 6 | $9,014 | $287 | 9% | 4.8★ (18) | 0.2 mi | AirbnbVrbo |
Hot tub | BBQ | Pet Friendly | Gated Cabin
| 2 bd · 1 ba · sleeps 5 | $23,317 | $187 | 34% | 4.8★ (172) | 0.2 mi | AirbnbVrbo |
3 Oaks Cabin - Secluded Private Cabin w Hot Tub Cabin
| 2 bd · 1 ba · sleeps 4 | $54,919 | $226 | 67% | 5★ (169) | 0.2 mi | Airbnb |
Vintage Cozy Cabin- Perfect for the Family-WiFi Cabin | 2 bd · 1 ba · sleeps 6 | $1,384 | $346 | 1% | 4.8★ (9) | 0.2 mi | Airbnb |
Onyx Cabin BIG BEAR *Spa* EV Charger*Hiking Trails Cabin
| 2 bd · 1.5 ba · sleeps 4 | $58,920 | $214 | 75% | 5★ (147) | 0.2 mi | Airbnb |
Sugarcubs Cabin Cabin
| 2 bd · 2 ba · sleeps 6 | $6,313 | $229 | 8% | 5★ (76) | 0.2 mi | Airbnb |
Cozy Modern Cabin with Fire Place, Foosball & BBQ Cabin
| 2 bd · 1 ba · sleeps 4 | $44,213 | $200 | 61% | 5★ (184) | 0.2 mi | Airbnb |
Stargazer|A-Frame, Firepit, Spa, Dogs Ok, By Lake! Chalet
| 2 bd · 2 ba · sleeps 7 | $64,364 | $229 | 77% | 4.9★ (268) | 0.2 mi | AirbnbVrboBooking |
Maple Comfort Reserve, 2BR near Lake & Trails, AC! Cabin | 2 bd · 1 ba · sleeps 6 | $22,662 | $164 | 38% | 4.5★ (13) | 0.2 mi | Airbnb |
Oakwood Cottage Big Bear - Cozy Sugarloaf Mountain Cabin | 2 bd · 1 ba · sleeps 4 | $11,714 | $308 | 10% | 3★ (1) | 0.2 mi | AirbnbBooking |
Sunset Point A Modern A-Frame Cabin
| 2 bd · 2 ba · sleeps 6 | $15,731 | $203 | 21% | 5★ (56) | 0.2 mi | AirbnbVrbo |
La Cabanita - Pet Friendly! Cabin
| 2 bd · 1 ba · sleeps 5 | $12,332 | $175 | 19% | 5★ (20) | 0.2 mi | AirbnbVrboBooking |
Cozy Modern Cabin w Hot Tub, Mega Comfy Beds Cabin
| 2 bd · 2 ba · sleeps 6 | $19,907 | $291 | 19% | 5★ (114) | 0.2 mi | AirbnbVrboBooking |
Bearadise Cabin Vacation home | 2 bd · 2 ba · sleeps 6 | $33,200 | $240 | 38% | 4.5★ (1) | 0.2 mi | Booking |
Bearadise Cabin A/C heating system pet friendly Cabin
| 2 bd · 2 ba · sleeps 6 | $27,145 | $271 | 27% | 5★ (252) | 0.2 mi | AirbnbVrbo |
Sugarpine Cabin with Air Conditioner Cabin
| 2 bd · 1 ba · sleeps 4 | $14,116 | $182 | 21% | 4.8★ (89) | 0.2 mi | AirbnbVrbo |
Perfect Cabin to Relax!! House
| 2 bd · 2 ba · sleeps 6 | $31,252 | $219 | 39% | 4.9★ (74) | 0.2 mi | AirbnbVrbo |
Steps to trails • Fireplace • Pet & kid friendly Cabin
| 2 bd · 2 ba · sleeps 6 | $27,350 | $160 | 47% | 5★ (38) | 0.2 mi | AirbnbVrboBooking |
*NEW* Sugar Bear Retreat w/ SPA & EV CHARGING Cabin
| 2 bd · 1.5 ba · sleeps 7 | $23,875 | $194 | 34% | 4.8★ (230) | 0.2 mi | Airbnb |
Closer to the Stars Fire Pit Dog-Friendly Cabin
| 2 bd · 1.5 ba · sleeps 4 | $26,471 | $237 | 31% | 4.8★ (82) | 0.2 mi | AirbnbVrboBooking |
Cozy Cabin Retreat Cabin
| 2 bd · 1.5 ba · sleeps 4 | $21,971 | $109 | 55% | 5★ (11) | 0.2 mi | Airbnb |
Ski & Hike: Cozy Big Bear Retreat w/ Fireplace House
| 2 bd · 1 ba · sleeps 6 | $10,553 | $236 | 12% | — | 0.2 mi | AirbnbVrboBooking |
Quiet area, next to forest & close to resort fun! Cabin
| 2 bd · 2 ba · sleeps 6 | $7,201 | $209 | 9% | 5★ (14) | 0.2 mi | AirbnbVrbo |
Holmes Hive Cabin
| 2 bd · 1 ba · sleeps 4 | $17,935 | $170 | 29% | 4.8★ (147) | 0.2 mi | AirbnbVrbo |
Enchanting Hideaway 3BR, 2BA Cabin! House | 2 bd · 2 ba · sleeps 6 | $12,587 | $220 | 16% | 5★ (11) | 0.2 mi | Delisted |
Big Bear Sugarloaf House House
| 2 bd · 1.5 ba · sleeps 6 | $847 | $196 | 1% | 5★ (2) | 0.2 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 8.15% = 7.40% Freddie Mac 30-yr avg (Oct 8) + 0.75% investor premium
Est. revenue
$25,058
NOI
$9,575
Cash flow /mo
-$681
Cash needed
$76,850
Cash-on-cash
-10.6%
ROE (yr 1)
1.8%
Cap rate
3.6%
DSCR
0.54
Year-1 write-off
$72,556
Year-1 tax shield @ 32%
$23,218
Year-1 return on equity
- Cash flow (annual)-$8,175
- Principal paydown$1,612
- Appreciation at%$7,950
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)$5,012
- Platform fees (3% of revenue)$752
- Maintenance / capex (5% of revenue)$1,253
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,483
- Insurance (STR-rated)$1,352
Cash needed to close
- Down payment (25%)$66,250
- Closing costs (4.0%)$10,600
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$23,218
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
$213,000
Short-life (5/15-yr)
$72,000 · 34%
Year-1 deduction
$73,000
Year-1 tax shield @ 32%
$23,000
Land 20% (county tax record, assessed value split) · building $141,000 over 39 years
Based on: ~1,400 sq ft (from beds), built 1965, 2 bd / 1 ba, furnished, listing features (deck, patio, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $45,000 in year 1 (21% short-life, $14,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $6,200
Kitchen cabinetsdefault
$8,900 new × 40% good × 1.75 allocation
- $5,100
Kitchen countertopsdefault
$7,300 new × 40% good × 1.75 allocation
- $1,700
Decorative trimdefault
$2,500 new × 40% good × 1.75 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.75 allocation
- $600
Shelvingdefault
$900 new × 40% good × 1.75 allocation
- $2,500
Window coverings (14)default
$3,500 new × 40% good × 1.75 allocation
- $6,300
Carpet, vinyl & laminate (100% of floors)listing
$9,000 new × 40% good × 1.75 allocation
- $4,800
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 1.75 allocation
- $2,900
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 1.75 allocation
- $3,100
Appliances (range, disposal, refrigerator)listing
$4,400 new × 40% good × 1.75 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $6,800
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 1.75 allocation
- $6,500
Landscaping (typical)default
$7,500 new × 50% good × 1.75 allocation
- $5,500
Patioslisting
$6,300 new × 50% good × 1.75 allocation
- $13,800
Decks & porches (attached)listing
$15,800 new × 50% good × 1.75 allocation
- $106,500
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 40% good × 1.75 allocation
- $11,000
Building plumbing & fixturesdefault
$15,700 new × 40% good × 1.75 allocation
- $10,500
Building electrical & lightingdefault
$15,000 new × 40% good × 1.75 allocation
- $11,100
HVACdefault
$15,800 new × 40% good × 1.75 allocation
- $1,800
Fireplacelisting
$2,600 new × 40% good × 1.75 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $39,800 | $32,600 | $200 | $72,600 |
| 2 | $0 | $0 | $3,600 | $3,600 |
| 3 | $0 | $0 | $3,600 | $3,600 |
| 4 | $0 | $0 | $3,600 | $3,600 |
| 5 | $0 | $0 | $3,600 | $3,600 |
| 6+ | $0 | $0 | $126,300 | $126,300 |
| Total | $39,800 | $32,600 | $140,900 | $213,300 |
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.