42557 La Cerena
Big Bear Lake, CA, 92315
$529,999
MLS: OC25248522
Beds
3
Baths
2
Sq Ft
1,520
Lot
0.17 ac
Year Built
1994
MLS #
OC25248522
Days on Market
135
Listed
Oct 27, 2025
Description
One of the LARGEST LOTS on the street in Big Bear’s HIGHLY COVETED LOWER MOONRIDGE neighborhood — now back on the market and ready to move. This property combines the SIZE of THREE PARCELS in ONE, offering the rare freedom to expand, build, or simply enjoy a private triple sized-lot surrounded by peace, privacy, and opportunity. This neighborhood draws both homeowners and short-term rental investors alike. Why is Lower Moonridge one of Big Bear’s most coveted neighborhoods? Because everything that draws people to the mountains is right here—Bear Mountain Resort, the golf course, and the Moonridge corridor’s shops and restaurants—all minutes away. It’s the ideal setting for a full-time home, a vacation retreat, or an income-producing rental. The open-concept centers around a classic fireplace, creating a warm space to relax and enjoy. A main-level bedroom and bath offer comfort and accessibility, while upstairs features two bedrooms and a flexible bonus room—perfect for extra sleeping space, a home office, or a second lounge. This home blends comfort and income potential, living peacefully and performing profitably.
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Deanne Estrada · West Capital Real Estate
Payment estimate
$3,982
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $53,000 · Loan: $476,999
- Principal & Interest
- $2,931
- Property tax (1.25%)
- $552
- Homeowners insurance
- $300
- Mortgage insurance
- $199
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 $18,550 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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