484 Catalina Rd
Big Bear Lake, CA 92315
$897,000
4 bd · 3 ba · 1,936 sqft · Listed today
View on Realtor.com →Year built
2007
Sqft
1,936
Lot sqft
9,923
HOA / mo
$0
Furnished
No
List date
2026-10-17T02:13:42.000000Z
Revenue
Annual revenue
$60,883
ADR
$563
Occupancy
30%
Cleaning fees (12 mo)
$10,478
Confidence
Low (40.9), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $49,175
The Retreat @ BB- Get Ready for Fall!
House · 4 bd · 2 ba · sleeps 10 · 433 ft
Revenue $34,581ADR $541Occ ≈ 18%5★ (54)
Fox Farm Escape | 2 Living Rooms, Close to Slopes
Cabin · 4 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $43,191ADR $311Occ ≈ 38%5★ (93)
Oso Still Cabin ★ Hot Tub ★Near the slopes
Cabin · 4 bd · 2 ba · sleeps 9 · 0.1 mi
Revenue $70,452ADR $305Occ ≈ 63%5★ (355)
A Big Olympic Getaway apts
Vacation home · 4 bd · 4 ba · sleeps 10 · 0.1 mi
Revenue $57,667ADR $1,086Occ ≈ 15%—
La Casa De La Montaña in The Heart of Big Bear Lake
Cabin · 4 bd · 2 ba · sleeps 12 · 0.2 mi
Revenue $29,910ADR $587Occ ≈ 14%5★ (51)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
The Retreat @ BB- Get Ready for Fall! House | 4 bd · 2 ba · sleeps 10 | $34,581 | $541 | 18% | 5★ (54) | 433 ft | Airbnb |
Casa de Shalom ALEXA, Hot Tub, BBQ & Wi-Fi! House | 4 bd · 3 ba · sleeps 11 | $15,221 | $724 | 6% | 5★ (70) | 0.1 mi | AirbnbVrbo |
Fox Farm Escape | 2 Living Rooms, Close to Slopes Cabin | 4 bd · 2 ba · sleeps 9 | $43,191 | $311 | 38% | 5★ (93) | 0.1 mi | Airbnb |
Oso Still Cabin ★ Hot Tub ★Near the slopes Cabin | 4 bd · 2 ba · sleeps 9 | $70,452 | $305 | 63% | 5★ (355) | 0.1 mi | Airbnb |
A Big Olympic Getaway apts Vacation home | 4 bd · 4 ba · sleeps 10 | $57,667 | $1,086 | 15% | — | 0.1 mi | Booking |
Fox Lodge: Spa! Game Room w/ Pool Table & more! House | 4 bd · 3 ba · sleeps 10 | $29,788 | $566 | 14% | 4.7★ (104) | 0.2 mi | AirbnbVrbo |
Timber & Tide Prime Spot in Fox Farm, Hot Tub House | 4 bd · 2 ba · sleeps 9 | $94,823 | $426 | 61% | 5★ (40) | 0.2 mi | AirbnbVrbo |
La Casa De La Montaña in The Heart of Big Bear Lake Cabin | 4 bd · 2 ba · sleeps 12 | $29,910 | $587 | 14% | 5★ (51) | 0.2 mi | Airbnb |
Moonridge Cabin · Hot Tub · Bunk Room · Sleeps 10 House | 4 bd · 3 ba · sleeps 10 | $50,685 | $410 | 34% | 4.8★ (309) | 0.2 mi | AirbnbVrbo |
4BR+Loft Cabin – Sleeps 10, Hot Tub, Lvl 2 EV Cabin | 4 bd · 3.5 ba · sleeps 10 | $58,135 | $558 | 29% | 5★ (47) | 0.2 mi | AirbnbVrbo |
Show 18 more
Soulshine Cabin - New Gorgeous Luxury Cabin!
Cabin · 4 bd · 3 ba · sleeps 10 · 0.2 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $51,296ADR $712Occ ≈ 20%5★ (63)
035 - Fox Pines Retreat - Big Bear Getaway
Vacation home · 4 bd · 2 ba · sleeps 10 · 0.2 mi
Revenue $33,613ADR $388Occ ≈ 24%4.2★ (4)
Best Family Home in Big Bear Lake!
House · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $11,107ADR $1,119Occ ≈ 3%—
Fox & Bears Retreat#2190
Vacation home · 4 bd · 3 ba · sleeps 10 · 0.3 mi
Revenue $79,606ADR $1,278Occ ≈ 17%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Pool Table, Sauna and WiFiSleeps 10 House | 4 bd · 3.5 ba · sleeps 10 | $10,901 | $432 | 7% | 4.4★ (122) | 0.2 mi | AirbnbVrbo |
Soulshine Cabin - New Gorgeous Luxury Cabin! Cabin
| 4 bd · 3 ba · sleeps 10 | $51,296 | $712 | 20% | 5★ (63) | 0.2 mi | Airbnb |
Near Bear Mtn & Snow Summit! Game Room! Dogs OK! House | 4 bd · 3 ba · sleeps 11 | $71,205 | $466 | 42% | 4.7★ (103) | 0.2 mi | AirbnbVrbo |
035 - Fox Pines Retreat - Big Bear Getaway Vacation home | 4 bd · 2 ba · sleeps 10 | $33,613 | $388 | 24% | 4.2★ (4) | 0.2 mi | Booking |
HUGE! Hot Tub! Game Room Close to Lake/Slopes ZEN Cabin
| 4 bd · 2.5 ba · sleeps 13 | $53,427 | $713 | 21% | 4.8★ (44) | 0.3 mi | AirbnbVrboBooking |
Best Family Home in Big Bear Lake! House | 4 bd · 3 ba · sleeps 10 | $11,107 | $1,119 | 3% | — | 0.3 mi | Airbnb |
Family Retreat - Upscale cabin, all the amenities! Cabin | 4 bd · 3.5 ba · sleeps 12 | $103,203 | $743 | 38% | 4.9★ (209) | 0.3 mi | AirbnbVrbo |
4BR Forest Retreat w/ Game Room House | 4 bd · 3 ba · sleeps 12 | $1,668 | $456 | 1% | — | 0.3 mi | AirbnbVrboBooking |
Great Location! Gourmet Kitchen, HotTub, Fireplace House
| 4 bd · 3 ba · sleeps 13 | $40,586 | $586 | 19% | 4.9★ (83) | 0.3 mi | AirbnbVrbo |
New! Bearadise ~ Alpine Ridge Retreat Cabin Cabin | 4 bd · 3 ba · sleeps 10 | $77,602 | $341 | 62% | 4.7★ (54) | 0.3 mi | AirbnbVrbo |
Fox & Bears Retreat#2190 Vacation home | 4 bd · 3 ba · sleeps 10 | $79,606 | $1,278 | 17% | — | 0.3 mi | Booking |
Fox and Bears Relaxing Retreat at Big Bear Lake Cabin
| 4 bd · 3 ba · sleeps 10 | $46,504 | $740 | 17% | 4.2★ (10) | 0.3 mi | AirbnbVrbo |
Great Outdoor Space, Views, Hot Tub, Dogs Welcome Cabin | 4 bd · 3 ba · sleeps 12 | $66,989 | $619 | 30% | 5★ (127) | 0.3 mi | AirbnbVrbo |
Moose Manor Estate at Big Bear- Hot Tub- Games Cabin | 4 bd · 4 ba · sleeps 13 | $81,821 | $862 | 26% | 4.3★ (42) | 0.3 mi | AirbnbVrboBooking |
Modern Lux Chalet • Spa • Game Room • EV Charger House | 4 bd · 2 ba · sleeps 11 | $27,439 | $588 | 13% | 4.9★ (73) | 0.3 mi | AirbnbVrbo |
Big Bear Cabin*AC*Spa*BBQ*Pool Table*Shuffleboard Cabin | 4 bd · 2 ba · sleeps 9 | $99,517 | $549 | 50% | 5★ (119) | 0.3 mi | AirbnbVrbo |
Cabin Vibes & Luxe Comfort~Hot Tub~Sauna~Gameroom House | 4 bd · 3 ba · sleeps 12 | $14,926 | $368 | 11% | 5★ (5) | 0.3 mi | AirbnbVrbo |
Snowcrest Lux Family Game Retreat, Hot Tub & EV Cabin
| 4 bd · 2 ba · sleeps 10 | $47,664 | $446 | 29% | 5★ (53) | 0.3 mi | AirbnbVrboBooking |
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 15) + 0.75% investor premium
Est. revenue
$60,883
NOI
$25,194
Cash flow /mo
-$2,907
Cash needed
$289,130
Cash-on-cash
-12.1%
ROE (yr 1)
-0.9%
Cap rate
2.8%
DSCR
0.42
Year-1 write-off
$167,420
Year-1 tax shield @ 32%
$53,575
Year-1 return on equity
- Cash flow (annual)-$34,889
- Principal paydown$5,455
- Appreciation at%$26,910
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)$12,177
- Platform fees (3% of revenue)$1,826
- Maintenance / capex (5% of revenue)$3,044
- Utilities & supplies$4,200
- HOA$0
- Property tax$12,587
- Insurance (STR-rated)$4,575
Cash needed to close
- Down payment (25%)$224,250
- Closing costs (4.0%)$35,880
- Furnishing (bought new)$29,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$53,575
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
$718,000
Short-life (5/15-yr)
$138,000 · 19%
Year-1 deduction
$167,000
Year-1 tax shield @ 32%
$54,000
Land 20% (county tax record, assessed value split) · building $580,000 over 39 years · new furniture $29,000
Based on: 1,936 sq ft, built 2007, 4 bd / 3 ba, unfurnished, listing features (deck, game room, fireplace, stone counters, flooring types).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $101,000 in year 1 (10% short-life, $32,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $12,600
Kitchen cabinetsdefault
$10,000 new × 40% good × 3.13 allocation
- $12,900
Kitchen countertops (stone)listing
$10,300 new × 40% good × 3.13 allocation
- $4,200
Decorative trimdefault
$3,400 new × 40% good × 3.13 allocation
- $600
Mirrorsdefault
$500 new × 40% good × 3.13 allocation
- $1,900
Shelvingdefault
$1,500 new × 40% good × 3.13 allocation
- $6,000
Window coverings (19)default
$4,800 new × 40% good × 3.13 allocation
- $15,200
Kitchen & laundry equipment plumbingdefault
$7,800 new × 62% good × 3.13 allocation
- $9,200
Kitchen, laundry & data equipment electricaldefault
$4,700 new × 62% good × 3.13 allocation
- $10,200
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 3.13 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
- $14,300
Paving: driveway & walks (paved)default
$9,100 new × 50% good × 3.13 allocation
- $13,800
Landscaping (typical)default
$8,800 new × 50% good × 3.13 allocation
- $3,000
Patiosdefault
$1,900 new × 50% good × 3.13 allocation
- $34,100
Decks & porches (attached)listing
$21,800 new × 50% good × 3.13 allocation
- $448,800
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$209,600 new × 68% good × 3.13 allocation
- $42,300
Building plumbing & fixturesdefault
$21,800 new × 62% good × 3.13 allocation
- $42,400
Building electrical & lightingdefault
$21,800 new × 62% good × 3.13 allocation
- $27,300
HVACdefault
$21,800 new × 40% good × 3.13 allocation
- $15,600
Hardwood & tile floorsdefault
$12,500 new × 40% good × 3.13 allocation
- $3,300
Fireplacelisting
$2,600 new × 40% good × 3.13 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $101,600 | $65,200 | $600 | $167,400 |
| 2 | $0 | $0 | $14,900 | $14,900 |
| 3 | $0 | $0 | $14,900 | $14,900 |
| 4 | $0 | $0 | $14,900 | $14,900 |
| 5 | $0 | $0 | $14,900 | $14,900 |
| 6+ | $0 | $0 | $519,700 | $519,700 |
| Total | $101,600 | $65,200 | $579,800 | $746,600 |
The building's share of the price ($718,000) is 3.1x our depreciated replacement cost of the home ($229,000). 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.