28972 North Shore Road
Lake Arrowhead, CA, 92352
$895,000
MLS: IG25261092
Beds
3
Baths
2
Sq Ft
1,434
Lot
0.22 ac
Year Built
1967
MLS #
IG25261092
Days on Market
157
Listed
Nov 15, 2025
Description
Welcome to The Blue Cottage, tucked inside the gated North Shore Estates community. This charming 1st-tier retreat is just a short stroll from the water in Winter Harbor Cove, offering the ideal blend of comfort, convenience, and mountain ambiance. Step inside to a cozy living room featuring a welcoming fireplace and an open layout that flows seamlessly into the kitchen—perfect for relaxing nights or casual entertaining. The home offers three bedrooms, including one located on the main level, providing easy accessibility. A full bath, convenient powder room, and an adjacent washer and dryer near the kitchen add practicality to everyday living. Outside, a lovely rock patio sits at the front of the home, surrounded by trees that enhance the tranquil, wooded setting. Whether it’s crisp winter mornings, sun-dappled summer afternoons, or the colorful transition of fall, The Blue Cottage is truly a home for all seasons. NOTE: The listing agent has 2 dock listings within a short walk from the Cottage: N75-A in Winter Harbor Cove and NSM#1 Slip#4 by the fishing dock/Peninsula Park/Marina.
Location
Lake Arrowhead, San Bernardino County, CA 92352
Open on Google Maps ↗Listed by: Angela Cheng Yap · RE/MAX LAKESIDE
Payment estimate
$6,517
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $89,500 · Loan: $805,500
- Principal & Interest
- $4,949
- Property tax (1.25%)
- $932
- Homeowners insurance
- $300
- Mortgage insurance
- $336
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 Lake Arrowhead home with as little as 3.5% down using an FHA loan — roughly $31,325 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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