236 Zaca
Big Bear City, CA, 92314
$325,000
MLS: IG26064313
Beds
2
Baths
1
Sq Ft
676
Lot
0.21 ac
Year Built
1964
MLS #
IG26064313
Days on Market
2
Listed
Mar 30, 2026
Description
Tucked into the mountains, this Big Bear retreat blends comfort, charm, and functionality in all the right ways. The layout is inviting and easy to live in, with natural light pouring into the main living spaces and a cozy atmosphere that instantly feels like home. The kitchen opens nicely to the living and dining areas, creating a seamless flow whether you're hosting guests or enjoying a quiet night in. Each bedroom offers comfortable space for family or visitors, making it a great fit for full-time living, a second home, or a vacation rental. Step outside and you’ll find the real bonus—room to relax, entertain, and take in the fresh mountain air. Whether it's morning coffee on the deck or evenings under the stars, the outdoor space adds a whole extra layer to the experience. Located just a short drive from Big Bear Lake, the Village, and local hiking trails, this property puts you close to everything while still offering that peaceful mountain feel buyers are after. If you're looking for a place that checks the boxes for both personal use and investment potential, this one is worth a closer look.
Location
Big Bear City, San Bernardino County, CA 92314
Open on Google Maps ↗Listed by: RACHAEL SMITH · RE/MAX BIG BEAR
Payment estimate
$2,558
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $32,500 · Loan: $292,500
- Principal & Interest
- $1,797
- Property tax (1.25%)
- $339
- Homeowners insurance
- $300
- Mortgage insurance
- $122
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
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 $11,375 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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