2099 4th Lane
Big Bear City, CA, 92314
$299,000
Original list price: $349,000
MLS: OC26170842
Beds
2
Baths
1
Sq Ft
800
Lot
0.11 ac
Year Built
1979
MLS #
OC26170842
Days on Market
93
Listed
Aug 5, 2026
Description
Lowest priced single family residence with a garage in Erwin Lake!! Bring all offers, seller offering a consideration for a 2-1 buydown!! USDA approved!! Tucked on a fenced-in corner lot with sweeping wraparound grounds, this 2-bedroom, 1-bath mountain home offers the kind of space and privacy that’s tough to find in Big Bear. The single-car garage opens directly into the house for easy, weather-free access year round. The convenient location right off Highway 38 makes trips down the mountain quick and easy. Inside, you’ll find a cozy wood-burning fireplace for those crisp mountain evenings, paired with the comfort of central AC for warmer months. The kitchen has been thoughtfully updated, and an in-unit laundry area adds everyday convenience. Step outside to soak in your private hot tub, or take advantage of the expansive, fully fenced yard with potential RV parking, ideal for toys, trailers, or just extra breathing room. Whether you’re dreaming of a full-time mountain escape or a weekend getaway, this corner-lot delivers space, privacy, and comfort. Welcome home!
Location
Big Bear City, San Bernardino County, CA 92314
Open on Google Maps ↗Listed by: Meagan Jenkins · Innovate Realty, Inc.
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
$2,547
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,900 · Loan: $269,100
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,823
- Property tax (1.25%)
- $311
- Homeowners insurance
- $300
- Mortgage insurance
- $112
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 Big Bear City home with as little as 3.5% down using an FHA loan — roughly $10,465 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 Big Bear, CA 92314 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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