630 Victoria Ln
Sugarloaf, CA 92386
$589,900
3 bd · 2 ba · 1,428 sqft · Listed 26d ago
View on Realtor.com →Year built
2024
Sqft
1,428
Lot sqft
3,816
HOA / mo
$0
Furnished
Yes
List date
2026-09-03T20:24:13.000000Z
Revenue
Annual revenue
$25,015
ADR
$254
Occupancy
27%
Cleaning fees (12 mo)
$4,940
Confidence
Low (26.25), 48 comps
Comp revenue range (p25 / median / p75)
Fun Family Mountain Home
House · 3 bd · 2 ba · sleeps 8 · 322 ft
Revenue $18,198ADR $222Occ ≈ 22%4.8★ (232)
Cabin in Big Bear - Bear Paw Cabin
Cabin · 3 bd · 1 ba · sleeps 8 · 348 ft
Revenue $28,958ADR $203Occ ≈ 39%4.8★ (62)
Modern Cabin: Fenced Yard & Wood Burning Fireplace
Chalet · 3 bd · 2 ba · sleeps 7 · 417 ft
Revenue $3,319ADR $158Occ ≈ 6%—
Updated 3BD Chalet in Big Bear
House · 3 bd · 2 ba · sleeps 6 · 0.1 mi
Revenue $4,318ADR $287Occ ≈ 4%4.7★ (21)
Holmes Away from Home - Cozy Big Bear Retreat
Vacation home · 3 bd · 1 ba · sleeps 6 · 0.1 mi
Revenue $29,680ADR $334Occ ≈ 24%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Great Getaway in Big Bear House | 3 bd · 2 ba · sleeps 6 | $7,522 | $259 | 8% | 5★ (53) | 131 ft | AirbnbVrbo |
Sugarloaf Cabin | King Bed + Fireplace + Deck House | 3 bd · 2 ba · sleeps 6 | $10,395 | $319 | 9% | 4.5★ (7) | 190 ft | AirbnbVrboBooking |
Fun Family Mountain Home House | 3 bd · 2 ba · sleeps 8 | $18,198 | $222 | 22% | 4.8★ (232) | 322 ft | Airbnb |
Cabin in Big Bear - Bear Paw Cabin Cabin | 3 bd · 1 ba · sleeps 8 | $28,958 | $203 | 39% | 4.8★ (62) | 348 ft | Airbnb |
Modern Cabin: Fenced Yard & Wood Burning Fireplace Chalet | 3 bd · 2 ba · sleeps 7 | $3,319 | $158 | 6% | — | 417 ft | Airbnb |
Hot Tub + Game Room: Group Getaway in Big Bear! House | 3 bd · 1 ba · sleeps 8 | $11,758 | $311 | 10% | — | 492 ft | AirbnbVrboBooking |
Air Hockey, Darts, Smart TVs Cabin | 3 bd · 2 ba · sleeps 8 | $14,458 | $339 | 12% | 4.5★ (4) | 0.1 mi | AirbnbVrboBooking |
Updated 3BD Chalet in Big Bear House | 3 bd · 2 ba · sleeps 6 | $4,318 | $287 | 4% | 4.7★ (21) | 0.1 mi | Airbnb |
Little Bear Lodge • Family Fun • Game Loft Getaway House | 3 bd · 2 ba · sleeps 6 | $12,255 | $238 | 14% | 5★ (10) | 0.1 mi | AirbnbVrbo |
Holmes Away from Home - Cozy Big Bear Retreat Vacation home | 3 bd · 1 ba · sleeps 6 | $29,680 | $334 | 24% | — | 0.1 mi | Booking |
Show all 48 comps
Large Bear Lodge Relaxing Retreat in the Pines
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $68,557ADR $778Occ ≈ 24%—
Large bear lodge #2488
Vacation home · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $73,823ADR $647Occ ≈ 31%4★ (1)
Cozy Cabin / AC /Hot Tub /Fenced Yard /EV Charger
Cabin · 3 bd · 1 ba · sleeps 8 · 0.2 mi
Revenue $22,364ADR $256Occ ≈ 24%4.2★ (11)
Cub's Cabin ~ Alpine retreat with private hot tub, enclosed yard & wood fireplace
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $6,162ADR $0Occ ≈ ——
↣Beary Cozy Pines Retreat↢ Quiet Family Getaway
House · 3 bd · 2 ba · sleeps 8 · 0.2 mi
Revenue $18,974ADR $259Occ ≈ 20%4.9★ (107)
Sapphire Cabin BIG BEAR *Spa* EV Charger *A/C*
Cabin · 3 bd · 1 ba · sleeps 4 · 0.2 mi
Revenue $55,613ADR $210Occ ≈ 73%4.8★ (95)
BIG Marines Retreat, pet friendly & Man cave
House · 3 bd · 1.5 ba · sleeps 7 · 0.2 mi
Revenue $10,023ADR $327Occ ≈ 8%5★ (18)
Cub Cabin Escape: Hot Tub, Games, Fire Pit, BBQ
House · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $23,210ADR $438Occ ≈ 15%—
Whiskey mountain lodge - 2028
Vacation home · 3 bd · 2 ba · sleeps 7 · 0.2 mi
Revenue $19,787ADR $439Occ ≈ 12%—
Cubs Nest - Walk to Park, Fireplace, Deck, BBQ
Vacation home · 3 bd · 1 ba · sleeps 6 · 0.2 mi
Revenue $181ADR $0Occ ≈ ——
Evergreen Escape Cabin for families
Vacation home · 3 bd · 2 ba · sleeps 5 · 0.2 mi
Revenue $5,992ADR $374Occ ≈ 4%—
J and J Nook Cozy Cabin
House · 3 bd · 1.5 ba · sleeps 10 · 0.3 mi
Revenue $1,104ADR $368Occ ≈ 1%5★ (12)
Immaculate Cabin • Hot Tub • EV • 2 Kings • Hiking
Cabin · 3 bd · 2 ba · sleeps 6 · 0.3 mi
Revenue $33,964ADR $289Occ ≈ 32%5★ (299)
Family Friendly for 8: Spa/Firepit/Patio + BBQ
House · 3 bd · 2 ba · sleeps 8 · 0.3 mi
Revenue $16,070ADR $375Occ ≈ 12%5★ (8)
Spacious Gated Yard-EV Charger-Pets OK-3bed, 2bath
House · 3 bd · 2 ba · sleeps 10 · 0.3 mi
Revenue $19,377ADR $380Occ ≈ 14%4.8★ (12)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Hot Tub, Fenced Yard, & Firepit | Dog Friendly House | 3 bd · 3 ba · sleeps 7 | $56,314 | $280 | 55% | 5★ (26) | 0.1 mi | AirbnbVrbo |
Cheerful vintage cabin with modern amenities. House | 3 bd · 2 ba · sleeps 8 | $13,981 | $354 | 11% | 5★ (33) | 0.1 mi | AirbnbVrbo |
2Bedroom Plus Loft, New Spa, Game Room and EV port Cabin | 3 bd · 1 ba · sleeps 6 | $20,855 | $274 | 21% | 4.8★ (161) | 0.1 mi | AirbnbVrbo |
Large Bear Lodge Relaxing Retreat in the Pines Vacation home | 3 bd · 2 ba · sleeps 8 | $68,557 | $778 | 24% | — | 0.2 mi | Booking |
Large bear lodge #2488 Vacation home | 3 bd · 2 ba · sleeps 8 | $73,823 | $647 | 31% | 4★ (1) | 0.2 mi | Booking |
Large Bear Lodge Relaxing Retreat in the Pines Cabin | 3 bd · 2 ba · sleeps 8 | $41,467 | $396 | 29% | 4.7★ (19) | 0.2 mi | AirbnbVrbo |
Hot Tub, Air Hockey, Shuffle Board, Fire Pit Cabin | 3 bd · 1 ba · sleeps 8 | $32,014 | $439 | 20% | 4.5★ (12) | 0.2 mi | AirbnbVrboBooking |
Blissful Cozy Cabin - Perfect sledding hill at this location! Steps to the National Forest! Cabin | 3 bd · 2 ba · sleeps 6 | $31,518 | $424 | 20% | 4.5★ (2) | 0.2 mi | AirbnbVrbo |
Cozy Cabin / AC /Hot Tub /Fenced Yard /EV Charger Cabin | 3 bd · 1 ba · sleeps 8 | $22,364 | $256 | 24% | 4.2★ (11) | 0.2 mi | Airbnb |
Family Cabin | Large Fenced Yard Retreat Cabin | 3 bd · 3 ba · sleeps 9 | $19,560 | $473 | 11% | 3.8★ (4) | 0.2 mi | AirbnbVrboBooking |
Sandbox Chalet-Cozy 3 Bedroom Cabin w/Deck & Views House | 3 bd · 1.5 ba · sleeps 6 | $22,732 | $222 | 28% | 5★ (12) | 0.2 mi | AirbnbVrbo |
Cub's Cabin ~ Alpine retreat with private hot tub, enclosed yard & wood fireplace Vacation home | 3 bd · 2 ba · sleeps 7 | $6,162 | $0 | — | — | 0.2 mi | Booking |
Cub's Cabin ~ Alpine retreat with private hot tub, Cabin | 3 bd · 2 ba · sleeps 7 | $17,175 | $0 | — | — | 0.2 mi | AirbnbVrboBooking |
↣Beary Cozy Pines Retreat↢ Quiet Family Getaway House | 3 bd · 2 ba · sleeps 8 | $18,974 | $259 | 20% | 4.9★ (107) | 0.2 mi | Airbnb |
Sugarbear Cabin Cabin | 3 bd · 3 ba · sleeps 8 | $27,352 | $301 | 25% | 5★ (10) | 0.2 mi | Airbnb |
Sapphire Cabin BIG BEAR *Spa* EV Charger *A/C* Cabin | 3 bd · 1 ba · sleeps 4 | $55,613 | $210 | 73% | 4.8★ (95) | 0.2 mi | Airbnb |
Whiskey Mountain Lodge at Big Bear w/ Hot Tub Cabin | 3 bd · 2 ba · sleeps 7 | $20,929 | $442 | 13% | 4.5★ (20) | 0.2 mi | AirbnbVrboBooking |
BIG Marines Retreat, pet friendly & Man cave House | 3 bd · 1.5 ba · sleeps 7 | $10,023 | $327 | 8% | 5★ (18) | 0.2 mi | Airbnb |
Maple Lane | Hot Tub & EV charger, Pet Friendly House | 3 bd · 2 ba · sleeps 8 | $33,425 | $267 | 34% | 5★ (26) | 0.2 mi | AirbnbVrbo |
" Highland Hideaway, pets ok sleeps 8. Cabin | 3 bd · 1 ba · sleeps 8 | $11,021 | $428 | 7% | 4.2★ (5) | 0.2 mi | AirbnbVrbo |
Cozy Cedar Cabin | Hot Tub + A/C (Joint Listing) Cabin | 3 bd · 2 ba · sleeps 11 | $51,878 | $239 | 59% | 4.9★ (111) | 0.2 mi | AirbnbVrbo |
Fire Pit, Games & Hot Tub, Large Fenced Yard House | 3 bd · 2 ba · sleeps 7 | $18,547 | $380 | 13% | 5★ (13) | 0.2 mi | AirbnbVrbo |
Cub Cabin Escape: Hot Tub, Games, Fire Pit, BBQ House | 3 bd · 2 ba · sleeps 7 | $23,210 | $438 | 15% | — | 0.2 mi | Airbnb |
Whiskey mountain lodge - 2028 Vacation home | 3 bd · 2 ba · sleeps 7 | $19,787 | $439 | 12% | — | 0.2 mi | Booking |
Cubs Nest - Walk to Park, Fireplace, Deck, BBQ Vacation home | 3 bd · 1 ba · sleeps 6 | $181 | $0 | — | — | 0.2 mi | Booking |
Custom Home Mins from lake with hot tub spa House | 3 bd · 2.5 ba · sleeps 6 | $22,762 | $204 | 31% | 5★ (160) | 0.2 mi | AirbnbVrbo |
Evergreen Escape Cabin for families Vacation home | 3 bd · 2 ba · sleeps 5 | $5,992 | $374 | 4% | — | 0.2 mi | Booking |
Log Cabin, Dual Masters, Fireplace, Foosball Cabin | 3 bd · 3 ba · sleeps 8 | $17,284 | $459 | 10% | 4.8★ (5) | 0.2 mi | AirbnbVrboBooking |
Evergreen Escape · Fenced Yard · Fireplace Cabin | 3 bd · 1.5 ba · sleeps 5 | $7,125 | $387 | 5% | 5★ (1) | 0.2 mi | AirbnbVrboBooking |
Lumi’s Cabin – Nature Getaway + Game Room Cabin | 3 bd · 2 ba · sleeps 7 | $36,825 | $216 | 47% | 4.8★ (343) | 0.2 mi | AirbnbVrbo |
Peak Pursuit | Spa, Dogs Ok, Sauna, Lrg Game Rm! Cabin | 3 bd · 2.5 ba · sleeps 8 | $70,808 | $284 | 68% | 4.8★ (56) | 0.3 mi | AirbnbVrboBooking |
J and J Nook Cozy Cabin House | 3 bd · 1.5 ba · sleeps 10 | $1,104 | $368 | 1% | 5★ (12) | 0.3 mi | Airbnb |
Highland Oaks Retreat Cottage w/ Hot Tub Cabin | 3 bd · 1.5 ba · sleeps 6 | $35,907 | $367 | 27% | 4.3★ (13) | 0.3 mi | AirbnbVrboBooking |
Luxe 2 Unit Duplex | Golf, Trails & Firepit Views Cabin | 3 bd · 2 ba · sleeps 8 | $27,740 | $304 | 25% | 5★ (3) | 0.3 mi | AirbnbVrbo |
Immaculate Cabin • Hot Tub • EV • 2 Kings • Hiking Cabin | 3 bd · 2 ba · sleeps 6 | $33,964 | $289 | 32% | 5★ (299) | 0.3 mi | Airbnb |
Family Friendly for 8: Spa/Firepit/Patio + BBQ House | 3 bd · 2 ba · sleeps 8 | $16,070 | $375 | 12% | 5★ (8) | 0.3 mi | Airbnb |
Big Bear Mtn Fun: Family Cabin w/ Game Room Cabin | 3 bd · 2 ba · sleeps 8 | $63,724 | $374 | 47% | 5★ (35) | 0.3 mi | AirbnbVrboBooking |
Spacious Gated Yard-EV Charger-Pets OK-3bed, 2bath House | 3 bd · 2 ba · sleeps 10 | $19,377 | $380 | 14% | 4.8★ (12) | 0.3 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
Est. revenue
$25,015
NOI
$4,313
Cash flow /mo
$359
Cash needed
$613,496
Cash-on-cash (all cash)
0.7%
ROE (yr 1)
3.6%
Cap rate
0.7%
DSCR
—
Year-1 write-off
$152,932
Year-1 tax shield @ 32%
$48,938
Year-1 return on equity
- Cash flow (annual)$4,313
- Principal paydown (n/a, cash)$0
- Appreciation at%$17,697
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$5,003
- Platform fees (3% of revenue)$750
- Maintenance / capex (5% of revenue)$1,251
- Utilities & supplies$4,200
- HOA$0
- Property tax$7,374
- Insurance (STR-rated)$3,008
Cash needed to close
- Purchase price (all cash)$589,900
- Closing costs (4.0%)$23,596
- Furnishing (conveyed with the sale)$0
Tax savings if the STR loophole applies
- Tax shield @ 32%$48,938
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
$530,000
Short-life (5/15-yr)
$152,000 · 29%
Year-1 deduction
$153,000
Year-1 tax shield @ 32%
$49,000
Land 10% (county tax record, assessed value split) · building $379,000 over 39 years
Based on: 1,428 sq ft, built 2024, 3 bd / 2 ba, furnished, listing features (deck, game room, fireplace, stone counters, flooring types, appliance list).
IRS-guide safe-harbor floor: $86,000 in year 1 (16% short-life, $28,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $15,800
Kitchen cabinetsdefault
$8,900 new × 92% good × 1.93 allocation
- $16,200
Kitchen countertops (stone)listing
$9,100 new × 92% good × 1.93 allocation
- $4,400
Decorative trimdefault
$2,500 new × 92% good × 1.93 allocation
- $500
Mirrorsdefault
$300 new × 83% good × 1.93 allocation
- $2,100
Shelvingdefault
$1,200 new × 92% good × 1.93 allocation
- $5,400
Window coverings (14)default
$3,500 new × 80% good × 1.93 allocation
- $14,800
Carpet, vinyl & laminate (100% of floors)listing
$9,200 new × 83% good × 1.93 allocation
- $12,900
Kitchen & laundry equipment plumbingdefault
$6,900 new × 96% good × 1.93 allocation
- $7,800
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 96% good × 1.93 allocation
- $4,000
Appliances (range, microwave)listing
$2,500 new × 83% good × 1.93 allocation
- $7,800
Furniture conveyed with the sale (used)listing
$19,500 new × 40% good · out of the price
- $2,400
Game-room equipment (used)listing
$6,000 new × 40% good · out of the price
- $13,900
Paving: driveway & walks (paved)default
$7,800 new × 92% good × 1.93 allocation
- $13,400
Landscaping (typical)default
$7,500 new × 92% good × 1.93 allocation
- $2,500
Patiosdefault
$1,400 new × 92% good × 1.93 allocation
- $27,900
Decks & porches (attached)listing
$16,100 new × 90% good × 1.93 allocation
- $288,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$154,500 new × 97% good × 1.93 allocation
- $29,700
Building plumbing & fixturesdefault
$16,000 new × 96% good × 1.93 allocation
- $28,400
Building electrical & lightingdefault
$15,400 new × 96% good × 1.93 allocation
- $27,900
HVACdefault
$16,100 new × 90% good × 1.93 allocation
- $4,700
Fireplacelisting
$2,600 new × 92% good × 1.93 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $94,100 | $57,600 | $1,200 | $152,900 |
| 2 | $0 | $0 | $9,700 | $9,700 |
| 3 | $0 | $0 | $9,700 | $9,700 |
| 4 | $0 | $0 | $9,700 | $9,700 |
| 5 | $0 | $0 | $9,700 | $9,700 |
| 6+ | $0 | $0 | $338,600 | $338,600 |
| Total | $94,100 | $57,600 | $378,700 | $530,400 |
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.