691 Santa Barbara Ave
Sugarloaf, CA 92386
$350,000
2 bd · 1 ba · 806 sqft · Listed 59d ago
View on Realtor.com →Year built
1973
Sqft
806
Lot sqft
5,001
HOA / mo
$0
Furnished
Yes
List date
2026-09-15T17:34:15.000000Z
Revenue
Annual revenue
$23,516
ADR
$183
Occupancy
35%
Cleaning fees (12 mo)
$5,552
Confidence
Low (41.66), 49 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $20,919
Between-the-Pines Cozy Cabin
Cabin · 2 bd · 1 ba · sleeps 6 · 400 ft
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $12,293ADR $339Occ ≈ 10%5★ (25)
Sandy's Place - Summer Specials, California King
House · 2 bd · 1 ba · sleeps 6 · 518 ft
- Free parking
- Pets OK
- Wifi
- Kitchen
- +1
Revenue $2,059ADR $221Occ ≈ 3%4.3★ (3)
2 Bedroom Cabin
Cabin · 2 bd · 2 ba · sleeps 8 · 0.1 mi
Revenue $14,599ADR $136Occ ≈ 29%4.9★ (9)
Delisted
Cozy Mountain Cabin | Relax | Hike | Lake Nearby
Cabin · 2 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $34,790ADR $163Occ ≈ 58%4.9★ (157)
Delisted
SandyBear Cabin! Open floor plan & covered patio!
Cabin · 2 bd · 2 ba · sleeps 5 · 0.1 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +3
Revenue $20,919ADR $243Occ ≈ 24%4.8★ (171)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $3,514ADR $195Occ ≈ 5%—
Delisted
Cozy Home with Serene Views. Pet-Friendly!
House · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +3
Revenue $22,010ADR $200Occ ≈ 30%4.9★ (36)
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub
Cabin · 2 bd · 1 ba · sleeps 6 · 0.2 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $10,702ADR $149Occ ≈ 20%4.9★ (48)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Between-the-Pines Cozy Cabin Cabin
| 2 bd · 1 ba · sleeps 6 | $12,293 | $339 | 10% | 5★ (25) | 400 ft | Airbnb |
Sandy's Place - Summer Specials, California King House
| 2 bd · 1 ba · sleeps 6 | $2,059 | $221 | 3% | 4.3★ (3) | 518 ft | Airbnb |
2 Bedroom Cabin Cabin | 2 bd · 2 ba · sleeps 8 | $14,599 | $136 | 29% | 4.9★ (9) | 0.1 mi | Delisted |
Cozy Mountain Cabin | Relax | Hike | Lake Nearby Cabin | 2 bd · 1 ba · sleeps 6 | $34,790 | $163 | 58% | 4.9★ (157) | 0.1 mi | Delisted |
Dog Friendly Cabin + Fenced Backyard! No Pet Fees! Cabin
| 2 bd · 1 ba · sleeps 6 | $29,753 | $206 | 40% | 5★ (90) | 0.1 mi | AirbnbVrboBooking |
SandyBear Cabin! Open floor plan & covered patio! Cabin
| 2 bd · 2 ba · sleeps 5 | $20,919 | $243 | 24% | 4.8★ (171) | 0.1 mi | Airbnb |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $3,514 | $195 | 5% | — | 0.1 mi | Delisted |
Cozy Home with Serene Views. Pet-Friendly! House
| 2 bd · 1.5 ba · sleeps 6 | $22,010 | $200 | 30% | 4.9★ (36) | 0.2 mi | Airbnb |
Cozy Getaway, Lake, Dog Friendly, Quiet & Peaceful Cabin
| 2 bd · 2 ba · sleeps 7 | $16,498 | $292 | 15% | 5★ (31) | 0.2 mi | AirbnbVrbo |
Twin Pines | Cozy Big Bear Cabin w/ Hot Tub Cabin
| 2 bd · 1 ba · sleeps 6 | $10,702 | $149 | 20% | 4.9★ (48) | 0.2 mi | Airbnb |
Show 39 more
Pine Forest Retreat - Private Hot Tub & Fire Pit
House · 2 bd · 1.5 ba · sleeps 4 · 0.2 mi
- Hot tub
- Free parking
- Wifi
- Kitchen
- +2
Revenue $33,292ADR $212Occ ≈ 43%4.8★ (205)
Cozy Quiet Cabin Escape
House · 2 bd · 1.5 ba · sleeps 6 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $26,392ADR $155Occ ≈ 47%4.9★ (107)
The Eagles Nest Hot Tub BBQ Modern Retreat
Chalet · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $23,043ADR $262Occ ≈ 24%3.5★ (1)
Updated pet-friendly home with fenced yard, deck, near attractions and more!
House · 2 bd · 2 ba · sleeps 6 · 0.2 mi
Revenue $532ADR $133Occ ≈ 1%3★ (1)
Delisted
Cozy Modern Spa, AC, BBQ, Firepit
House · 2 bd · 1 ba · sleeps 5 · 0.2 mi
- Hot tub
- Free parking
- Pets OK
- Wifi
- +4
Revenue $48,306ADR $211Occ ≈ 63%4.8★ (161)
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball!
Cabin · 2 bd · 1 ba · sleeps 4 · 0.2 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $34,444ADR $180Occ ≈ 52%4.9★ (106)
The Red Door Chalet — Fireplaces | BBQ | Wifi | EV
Cabin · 2 bd · 2 ba · sleeps 7 · 0.2 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +2
Revenue $21,360ADR $220Occ ≈ 27%5★ (44)
AC*HikingTrails+PetsOK+Arcade+FencedYard+BBQ
Cabin · 2 bd · 2 ba · sleeps 6 · 0.2 mi
- A/C
- Free parking
- Pets OK
- Wifi
- +3
Revenue $23,251ADR $240Occ ≈ 27%4.8★ (37)
Heavenly Bear by Big Bear Vacations
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $38,385ADR $467Occ ≈ 23%—
Heavenly bear #2362
Vacation home · 2 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $50,193ADR $651Occ ≈ 21%—
Relaxing Heavenly Bear Cottage at Sugarloaf
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
Revenue $19,195ADR $418Occ ≈ 13%3.5★ (2)
Spacious Big Bear cabin with fireplace
Cabin · 2 bd · 1.5 ba · sleeps 5 · 0.3 mi
Revenue $11,328ADR $140Occ ≈ 22%4.9★ (107)
Delisted
Steps from the National Forest: Deck & Gated Yard
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
- Free parking
- Wifi
- Kitchen
- Washer
- +1
Revenue $30,780ADR $188Occ ≈ 45%5★ (197)
Vista Sugarloaf ~ Dog-friendly Mountain getaway near town & skiing w/ gas grill & spacious deck
Vacation home · 2 bd · 1 ba · sleeps 6 · 0.3 mi
Revenue $32,126ADR $463Occ ≈ 19%5★ (1)
Private/Spacious Cabin near Big Bear
Cabin · 2 bd · 1.5 ba · sleeps 4 · 0.3 mi
Revenue $28,246ADR $214Occ ≈ 36%4.9★ (11)
3 Oaks Cabin - Secluded Private Cabin w Hot Tub
Cabin · 2 bd · 1 ba · sleeps 4 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +4
Revenue $53,663ADR $214Occ ≈ 69%5★ (162)
The K Chalet - An Intimate Mountain Retreat
Cabin · 2 bd · 2 ba · sleeps 6 · 0.3 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +2
Revenue $17,749ADR $228Occ ≈ 21%5★ (76)
Romantic A Frame w/Eco Organic Bed+Late Checkout
Chalet · 2 bd · 1 ba · sleeps 4 · 0.3 mi
- Free parking
- Pets OK
- Wifi
- Kitchen
- +3
Revenue $56,004ADR $207Occ ≈ 74%5★ (221)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Updated pet-friendly home with fenced yard deck House | 2 bd · 2 ba · sleeps 6 | $13,718 | $215 | 17% | 4.3★ (17) | 0.2 mi | AirbnbBooking |
Pine Forest Retreat - Private Hot Tub & Fire Pit House
| 2 bd · 1.5 ba · sleeps 4 | $33,292 | $212 | 43% | 4.8★ (205) | 0.2 mi | Airbnb |
Near Slopes & Shores: Pet-Friendly Sugarloaf Gem Cabin
| 2 bd · 1 ba · sleeps 6 | $17,674 | $211 | 23% | 4.8★ (37) | 0.2 mi | AirbnbVrboBooking |
Ohana Pines Cabin Cabin
| 2 bd · 1 ba · sleeps 5 | $11,527 | $282 | 11% | 5★ (52) | 0.2 mi | AirbnbVrbo |
Cozy Quiet Cabin Escape House
| 2 bd · 1.5 ba · sleeps 6 | $26,392 | $155 | 47% | 4.9★ (107) | 0.2 mi | Airbnb |
The Eagles Nest Hot Tub BBQ Modern Retreat Chalet | 2 bd · 1 ba · sleeps 4 | $23,043 | $262 | 24% | 3.5★ (1) | 0.2 mi | Booking |
Acute A Frame Cozy Cottage & BBQ Cabin
| 2 bd · 1 ba · sleeps 4 | $32,991 | $198 | 46% | 4.5★ (368) | 0.2 mi | AirbnbVrboBooking |
Updated pet-friendly home with fenced yard, deck, near attractions and more! House | 2 bd · 2 ba · sleeps 6 | $532 | $133 | 1% | 3★ (1) | 0.2 mi | Delisted |
Cozy Modern Spa, AC, BBQ, Firepit House
| 2 bd · 1 ba · sleeps 5 | $48,306 | $211 | 63% | 4.8★ (161) | 0.2 mi | Airbnb |
Newly Remodeled! PetsOK, Bikes,Firepit, Fooseball! Cabin
| 2 bd · 1 ba · sleeps 4 | $34,444 | $180 | 52% | 4.9★ (106) | 0.2 mi | Airbnb |
Pops Bear Cabin (Pub, Firepit, BBQ, Games & More) Cabin
| 2 bd · 1 ba · sleeps 6 | $42,433 | $188 | 62% | 5★ (238) | 0.2 mi | AirbnbVrbo |
Cozy Rustic Cottage in Sugarloaf Cabin
| 2 bd · 2 ba · sleeps 4 | $14,817 | $188 | 22% | 4.9★ (12) | 0.2 mi | AirbnbVrbo |
The Red Door Chalet — Fireplaces | BBQ | Wifi | EV Cabin
| 2 bd · 2 ba · sleeps 7 | $21,360 | $220 | 27% | 5★ (44) | 0.2 mi | Airbnb |
Quiet Pine Cabin nestled in the National Forest Cabin
| 2 bd · 1 ba · sleeps 4 | $39,057 | $253 | 42% | 5★ (181) | 0.2 mi | AirbnbVrbo |
AC*HikingTrails+PetsOK+Arcade+FencedYard+BBQ Cabin
| 2 bd · 2 ba · sleeps 6 | $23,251 | $240 | 27% | 4.8★ (37) | 0.2 mi | Airbnb |
Heavenly Bear by Big Bear Vacations Vacation home | 2 bd · 1 ba · sleeps 4 | $38,385 | $467 | 23% | — | 0.2 mi | Booking |
Heavenly bear #2362 Vacation home | 2 bd · 1 ba · sleeps 4 | $50,193 | $651 | 21% | — | 0.2 mi | Booking |
Relaxing Heavenly Bear Cottage at Sugarloaf Cabin | 2 bd · 1 ba · sleeps 4 | $19,195 | $418 | 13% | 3.5★ (2) | 0.3 mi | Airbnb |
Sunset Point A Modern A-Frame Cabin
| 2 bd · 2 ba · sleeps 6 | $14,766 | $204 | 20% | 5★ (55) | 0.3 mi | AirbnbVrbo |
Spacious Big Bear cabin with fireplace Cabin | 2 bd · 1.5 ba · sleeps 5 | $11,328 | $140 | 22% | 4.9★ (107) | 0.3 mi | Delisted |
Steps from the National Forest: Deck & Gated Yard Cabin
| 2 bd · 1 ba · sleeps 4 | $30,780 | $188 | 45% | 5★ (197) | 0.3 mi | Airbnb |
Vista Sugarloaf ~ Dog-friendly Mountain getaway near town & skiing w/ gas grill & spacious deck Vacation home | 2 bd · 1 ba · sleeps 6 | $32,126 | $463 | 19% | 5★ (1) | 0.3 mi | Booking |
Vista Sugarloaf ~Mountain Getaway Cabin
| 2 bd · 1 ba · sleeps 6 | $26,334 | $455 | 16% | — | 0.3 mi | AirbnbVrboBooking |
Private/Spacious Cabin near Big Bear Cabin | 2 bd · 1.5 ba · sleeps 4 | $28,246 | $214 | 36% | 4.9★ (11) | 0.3 mi | Airbnb |
3 Oaks Cabin - Secluded Private Cabin w Hot Tub Cabin
| 2 bd · 1 ba · sleeps 4 | $53,663 | $214 | 69% | 5★ (162) | 0.3 mi | Airbnb |
The K Chalet - An Intimate Mountain Retreat Cabin
| 2 bd · 2 ba · sleeps 6 | $17,749 | $228 | 21% | 5★ (76) | 0.3 mi | Airbnb |
Smart TV, Fireplace, BBQ Cabin
| 2 bd · 1 ba · sleeps 4 | $9,588 | $208 | 13% | 4.8★ (21) | 0.3 mi | AirbnbVrboBooking |
Cute and Cozy Cottage- Big Bear Retreat Cabin | 2 bd · 2 ba · sleeps 4 | $15,570 | $967 | 4% | 3★ (5) | 0.3 mi | AirbnbBooking |
Family Friendly w/Fenced Yard & Game Room Cabin | 2 bd · 2 ba · sleeps 6 | $18,010 | $292 | 17% | 5★ (23) | 0.3 mi | AirbnbBooking |
8 Mi to Big Bear Lake: Cabin w/ Deck & Fireplace Cabin
| 2 bd · 1.5 ba · sleeps 6 | $22,731 | $205 | 30% | 5★ (34) | 0.3 mi | AirbnbVrboBooking |
Romantic A Frame w/Eco Organic Bed+Late Checkout Chalet
| 2 bd · 1 ba · sleeps 4 | $56,004 | $207 | 74% | 5★ (221) | 0.3 mi | Airbnb |
Cozy Bear Lodge | Deck, EV charger and Near Slopes House
| 2 bd · 1 ba · sleeps 6 | $11,852 | $107 | 30% | 5★ (9) | 0.3 mi | AirbnbVrboBooking |
Cute Cozy Comfort Cabin, 1 Night Free! Cabin
| 2 bd · 1.5 ba · sleeps 6 | $10,746 | $230 | 13% | 4.2★ (5) | 0.3 mi | AirbnbVrbo |
The Beary Cozy Cabin + open woods near by! Cabin
| 2 bd · 1 ba · sleeps 6 | $20,294 | $130 | 43% | 4.5★ (12) | 0.3 mi | AirbnbVrboBooking |
Bear Escapes II: Affordable Luxury Cabin Big Bear Cabin
| 2 bd · 1 ba · sleeps 5 | $23,076 | $197 | 32% | 5★ (68) | 0.3 mi | AirbnbVrboBooking |
Private Cabin in Quiet Valley w/ Hot Tub + Views House
| 2 bd · 2 ba · sleeps 6 | $19,450 | $220 | 24% | 5★ (27) | 0.3 mi | AirbnbVrboBooking |
Gnome Charm, 2 bedroom. Avail for 2026 ski season. Cabin
| 2 bd · 1 ba · sleeps 4 | $7,084 | $87 | 22% | 5★ (82) | 0.3 mi | AirbnbVrbo |
Juniper Hideaway: Steps to Forest + Hot Tub Cabin
| 2 bd · 2 ba · sleeps 6 | $24,723 | $391 | 17% | 4.9★ (20) | 0.3 mi | AirbnbVrbo |
Sugarloaf Cutie w/Wood Burning Fireplace. Cabin
| 2 bd · 1 ba · sleeps 6 | $15,483 | $242 | 18% | 4.5★ (41) | 0.4 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 7.86% = 7.11% Freddie Mac 30-yr avg (Nov 12) + 0.75% investor premium
Est. revenue
$23,516
NOI
$7,097
Cash flow /mo
-$1,309
Cash needed
$101,500
Cash-on-cash
-15.5%
ROE (yr 1)
-2.9%
Cap rate
2.0%
DSCR
0.31
Year-1 write-off
$94,509
Year-1 tax shield @ 32%
$30,243
Year-1 return on equity
- Cash flow (annual)-$15,710
- Principal paydown$2,254
- Appreciation at%$10,500
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)$4,703
- Platform fees (3% of revenue)$705
- Maintenance / capex (5% of revenue)$1,176
- Utilities & supplies$4,200
- HOA$0
- Property tax$4,697
- Insurance (STR-rated)$1,785
Cash needed to close
- Down payment (25%)$87,500
- Closing costs (4.0%)$14,000
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$30,243
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
$281,000
Short-life (5/15-yr)
$94,000 · 33%
Year-1 deduction
$95,000
Year-1 tax shield @ 32%
$30,000
Land 20% (county tax record, assessed value split) · building $187,000 over 39 years
Based on: 806 sq ft, built 1973, 2 bd / 1 ba, furnished, listing features (deck, fireplace, flooring types, appliance list).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $52,000 in year 1 (18% short-life, $17,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,800
Kitchen cabinetsdefault
$7,600 new × 40% good × 3.89 allocation
- $9,600
Kitchen countertopsdefault
$6,200 new × 40% good × 3.89 allocation
- $2,200
Decorative trimdefault
$1,400 new × 40% good × 3.89 allocation
- $200
Mirrorsdefault
$200 new × 40% good × 3.89 allocation
- $1,400
Shelvingdefault
$900 new × 40% good × 3.89 allocation
- $3,100
Window coverings (8)default
$2,000 new × 40% good × 3.89 allocation
- $9,200
Kitchen & laundry equipment plumbingdefault
$5,900 new × 40% good × 3.89 allocation
- $5,500
Kitchen, laundry & data equipment electricaldefault
$3,600 new × 40% good × 3.89 allocation
- $2,800
Appliances (range)listing
$1,800 new × 40% good × 3.89 allocation
- $6,400
Furniture conveyed with the sale (used)listing
$16,000 new × 40% good · out of the price
- $11,400
Paving: driveway & walks (paved)default
$5,900 new × 50% good × 3.89 allocation
- $11,000
Landscaping (typical)default
$5,700 new × 50% good × 3.89 allocation
- $1,500
Patiosdefault
$800 new × 50% good × 3.89 allocation
- $17,600
Decks & porches (attached)listing
$9,100 new × 50% good × 3.89 allocation
- $135,400
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$87,000 new × 40% good × 3.89 allocation
- $14,000
Building plumbing & fixturesdefault
$9,000 new × 40% good × 3.89 allocation
- $11,700
Building electrical & lightingdefault
$7,500 new × 40% good × 3.89 allocation
- $14,100
HVACdefault
$9,100 new × 40% good × 3.89 allocation
- $8,100
Hardwood & tile floorsdefault
$5,200 new × 40% good × 3.89 allocation
- $4,100
Fireplacelisting
$2,600 new × 40% good × 3.89 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $52,300 | $41,700 | $600 | $94,500 |
| 2 | $0 | $0 | $4,800 | $4,800 |
| 3 | $0 | $0 | $4,800 | $4,800 |
| 4 | $0 | $0 | $4,800 | $4,800 |
| 5 | $0 | $0 | $4,800 | $4,800 |
| 6+ | $0 | $0 | $167,600 | $167,600 |
| Total | $52,300 | $41,700 | $187,400 | $281,300 |
The building's share of the price ($275,000) is 3.9x our depreciated replacement cost of the home ($71,000). 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.