190 Spruce
Sugarloaf, CA, 92386
$420,777
Original list price: $449,500
MLS: SW26088702
Beds
3
Baths
2
Sq Ft
1,620
Lot
0.11 ac
Year Built
1962
MLS #
SW26088702
Days on Market
113
Listed
Apr 28, 2026
Description
Furnished and equipped. Cozy outdoor nooks to kick back and relax or enjoy the warmth in front of 1 of 3 fireplaces. 3 bedroom with main level bedroom and bathroom, concrete parking pad plus additional RV/ Boat parking. Short walk to Sugarloaf skate park, dog park and near Big Bear Highschool. Ideal location. National Forest up the end of the street. Fire department 1/4 mile from the home. Bear Mountain Ski resort and Snow Summit Ski resort/MTB (seasonal) all near by. Home being sold w/ furnishings, washer/ dryer and refridgerator. Must see in person! This Cozy spruce cabin is ready for family fun and to start renting as a vacation rental quickly. You are not just buying a home in Big Bear, you have a life style of morning golf at Big Bears golf course, magical snowy winters, star filled skies, hiking, and great memories created
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: Nancy Perez · Realty Executives Temecula
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,332
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,078 · Loan: $378,699
Average 30-yr fixed rate 6.67% as of Aug 13, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,436
- Property tax (1.25%)
- $438
- Homeowners insurance
- $300
- Mortgage insurance
- $158
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Aug 13, 2026
- 30-year fixed
- 6.67%
- 15-year fixed
- 5.96%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $14,727 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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Local Market Stats
See Sugarloaf, CA 92386 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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