312 N Division
Big Bear City, CA, 92314
$390,000
MLS: PW26112194
Beds
3
Baths
2
Sq Ft
1,280
Lot
0.06 ac
Year Built
2006
MLS #
PW26112194
Days on Market
70
Listed
May 30, 2026
Description
Optional assumable FHA loan at 2.75% interest rate** Experience the charm of mountain living in this inviting Big Bear City retreat, where fresh alpine air, star-filled skies, and year-round adventure create the perfect escape from city life. Ideally located within walking distance to Oktoberfest and the Convention Center, and just minutes from hiking trails, ski resorts, Big Bear Lake, dining, and shopping, this home offers the perfect balance of relaxation, recreation, and convenience. Inside, the thoughtfully designed floor plan offers abundant storage throughout, making it easy to keep mountain gear and everyday essentials organized. The spacious kitchen features a walk-in pantry, breakfast bar, and ample workspace, creating a functional gathering place for everyday living and entertaining. A smart thermostat adds modern convenience and energy efficiency year-round. Upstairs, both bedrooms feature their own large private balconies, providing peaceful outdoor spaces to enjoy the crisp mountain air, morning coffee, or evening sunsets. The spacious primary suite includes an ensuite bathroom with dual vanities, a rainfall showerhead, and a spa-inspired atmosphere designed for comfort and relaxation. Whether you're looking for a full-time residence, weekend getaway, hybrid remote-work escape, or flexible investment opportunity, this home captures the lifestyle that continues to attract visitors and homeowners to Big Bear year after year. Enjoy peaceful mornings from the balcony with lake views, relax by the fireplace after a day on the slopes, and experience the mountain atmosphere that makes Big Bear so special. With easy access to Snow Summit, Bear Mountain, the Village, and year-round outdoor activities, this property is well-positioned for both personal enjoyment and vacation-home appeal. From cozy winter weekends to summer lake adventures, this is more than just a home...it's a gateway to the Big Bear lifestyle. **Assumable FHA loan is subject to lender approval
Location
Big Bear City, San Bernardino County, CA 92314
Open on Google Maps ↗Listed by: Chris Bui · ADK Bancorp 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
$3,115
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,000 · Loan: $351,000
Average 30-yr fixed rate 6.69% as of Aug 6, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,263
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
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 $13,650 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Big Bear City property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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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.
★#1 Producing Individual Realtor — Antelope Valley
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