2476 Elko
Arrowbear, CA, 92382
$405,000
MLS: DW26066541
Beds
3
Baths
3
Sq Ft
1,304
Lot
0.20 ac
Year Built
1979
MLS #
DW26066541
Days on Market
22
Listed
Mar 27, 2026
Description
Welcome to this exceptional hilltop residence in Arrowbear Lake (8800 Sq Ft Lot-Huge) offering unmatched privacy, breathtaking panoramic views, and versatile living—all situated on a uniquely expanded lot created through the merging of multiple parcels. Positioned at approximately 6,100+ feet elevation, this home delivers crisp mountain air, cooler temperatures, and a true high-altitude living experience. Strategically positioned between Big Bear Lake and Lake Arrowhead, this property offers the best of both worlds—just minutes from premier year-round destinations. Enjoy quick access to Big Bear’s world-class skiing, lake activities, dining, and entertainment, while also being within close reach of the charm, luxury, and waterfront experiences of Lake Arrowhead—all while maintaining the peace and privacy of your elevated retreat. This property features rare and abundant parking, with space for up to 3 vehicles on the upper lot, plus an extended driveway accommodating 2 additional cars, a 30–40 ft boat, or even an RV—a true luxury in mountain living. Step into your own fully fenced backyard retreat, ideal for entertaining, relaxing, or designing your dream outdoor oasis. Enhancing the property’s flexibility is a newly constructed shed (2025), perfect for additional storage, a private workspace, studio, or bonus room. A standout feature is the separate lower-level entrance, complete with a recently added private bathroom, offering excellent potential for a guest suite, rental unit, or income-producing opportunity. Inside, the home is thoughtfully designed to maximize its incredible surroundings: Expansive living room with dramatic glass wall and private balcony, capturing breathtaking mountain and sunset views Second private balcony off the upstairs primary bedroom, ideal for peaceful mornings or evening relaxation Additional features include: Smart home system for modern convenience Security camera system included for added peace of mind NEMA 14-50 outlet installed, ready for EV charging Generator-ready setup, providing reliability and comfort in any situation Perched above it all, this property delivers a one-of-a-kind living experience that truly stands apart—homes like this rarely compare. Whether you’re seeking a primary residence, luxury mountain getaway, or investment opportunity, this home offers space, privacy, and endless potential. Don’t miss your opportunity to own this extraordinary mountain retreat—
Location
Arrowbear, San Bernardino County, CA 92382
Open on Google Maps ↗Listed by: Oscar Saenz De Leon · Excellence RE Real Estate, Inc.
Payment estimate
$3,113
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,500 · Loan: $364,500
- Principal & Interest
- $2,240
- Property tax (1.25%)
- $422
- Homeowners insurance
- $300
- Mortgage insurance
- $152
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 Arrowbear home with as little as 3.5% down using an FHA loan — roughly $14,175 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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