39263 N Bay
Big Bear Lake, CA, 92315
$424,900
MLS: IG26042449
Beds
2
Baths
1
Sq Ft
1,094
Lot
0.17 ac
Year Built
1946
MLS #
IG26042449
Days on Market
39
Listed
Feb 26, 2026
Description
This cute mountain Chalet is one you do not want to miss out on ~ The first thing you see as you pull up is your 3 car garage with Hardie siding and an additional storage area above it ~ As you walk through the gate you get your first look at your new cottage ~ You will be taken in by the peaceful park like setting ~ The yard has a gentle slope for sledding during the winter and there is a large concrete patio area for BBQing and entertaining in the summer ~ There is also a shed in the large patio area that has plumbing ran and could be converted into a laundry room ~ The front trek front deck is perfect for relaxing with your morning cup of coffee and letting the peace and quiet wash over you ~ Inside you will love the hardwood floors flowing throughout the main level ~ Imagine yourself cuddled up with your loved ones in the living room in front of your wood burning fireplace, enjoying quality time just listening to the fire crackle ~ The main level has the living room, kitchen, one bedroom and the bathroom ~ Upstairs you have your 2nd bedroom and a large loft that can be used for extra sleeping, a game room, or whatever you decide ~ Since owning this dream cabin the owners have made several improvements ~ Central air conditioning, dual paned windows throughout, replaced the water heater, concrete floors in the garage which were previously dirt, 220A power panel for the house and a 100A subpanel in the garage, rebuilt the walkway from the driveway to the house in 2020, fresh exterior paint and much, much more!
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Will Rahill · KELLER WILLIAMS BIG BEAR
Payment estimate
$3,252
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,490 · Loan: $382,410
- Principal & Interest
- $2,350
- Property tax (1.25%)
- $443
- Homeowners insurance
- $300
- Mortgage insurance
- $159
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 Lake home with as little as 3.5% down using an FHA loan — roughly $14,872 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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