28972 North Shore Road
Lake Arrowhead, CA, 92352
$825,000
Original list price: $850,000
MLS: IG25261092
Beds
3
Baths
2
Sq Ft
1,434
Lot
0.22 ac
Year Built
1967
MLS #
IG25261092
Days on Market
273
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. Must see to appreciate this special setting inside the North Shore Estates.
Location
Lake Arrowhead, San Bernardino County, CA 92352
Open on Google Maps ↗Listed by: Angela Cheng Yap · RE/MAX LAKESIDE
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
$6,322
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $82,500 · Loan: $742,500
Average 30-yr fixed rate 6.67% as of Aug 13, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,776
- Property tax (1.25%)
- $859
- Homeowners insurance
- $300
- Mortgage insurance
- $309
- HOA dues
- $77
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 Lake Arrowhead home with as little as 3.5% down using an FHA loan — roughly $28,875 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 Lake Arrowhead, CA 92352 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
Only large teams outsell Mike Watson · Keller Williams Realty
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