40221 Mill Creek
Big Bear Lake, CA, 92315
$379,900
MLS: IG26067224
Beds
2
Baths
1
Sq Ft
952
Lot
0.11 ac
Year Built
1978
MLS #
IG26067224
Days on Market
1
Listed
Mar 28, 2026
Description
Welcome to 40221 Mill Creek Rd, a well-maintained cabin in Big Bear Lake, conveniently located just minutes from the Village, the lake, and the ski slopes. This home offers a comfortable mix of mountain character and practical updates. Inside, you’ll find wood-beamed ceilings, an open living area with a stone fireplace, and an updated kitchen with stainless steel appliances and granite countertops. The bedrooms are a good size, and the bathrooms have been updated, making it an easy place to enjoy after a day outside. The large deck provides space to relax or spend time with friends and family, surrounded by trees and a quieter setting. With plenty of parking and year-round access, this property works well as a second home, full-time residence, or short-term rental
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Robert Coleman · TITAN REAL ESTATE GROUP
Payment estimate
$2,939
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,990 · Loan: $341,910
- Principal & Interest
- $2,101
- Property tax (1.25%)
- $396
- Homeowners insurance
- $300
- Mortgage insurance
- $142
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 $13,297 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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