42795 Cougar
Big Bear Lake, CA, 92315
$514,900
Original list price: $524,900
MLS: IV26200845
Beds
5
Baths
3
Sq Ft
1,508
Lot
0.23 ac
Year Built
1952
MLS #
IV26200845
Days on Market
35
Listed
Sep 14, 2026
Description
SKIERS AND SNOWBOARDERS—LOCATION, LOCATION, LOCATION! Welcome to this one-of-a-kind LOWER MOONRIDGE property on a DOUBLE LOT approximately 1/4 mile from the slopes and RIGHT BETWEEN SNOW SUMMIT AND BEAR MOUNTAIN, offering DIRECT SKI-RUN VIEWS! This distinctive 5-bedroom, 2.5-bath Craftsman/Victorian custom redwood-built home offers mountain scenery and outdoor living spaces. A NEWLY SANDED AND STAINED 45-FOOT REDWOOD DECK overlooks your private forest and secluded tree-lined walkway, while the HUGE REAR TREX DECK captures Snow Summit and Bear Mountain ski-run views. At night, enjoy Snow Summit lights and the New Year’s Eve torch parade from both decks. The newly remodeled home features BRAND-NEW SHAW CARPET, NEW INTERIOR AND EXTERIOR PAINT, NEW APPLIANCES, including a new hot water heater, NEW ELECTROLUX WASHER AND DRYER, refrigerator and range, plus a NEWLY REMODELED BATHROOM. Additional features include a 1-CAR GARAGE plus a STUDIO APARTMENT AND LOFT WITH PRIVATE ENTRANCE. The property also includes PREVIOUSLY APPROVED PLANS FOR A 2-CAR GARAGE AND APARTMENT with SWEEPING SNOW SUMMIT SKI-RUN VIEWS. Buyer to verify current status of prior approvals, permits, plans, feasibility and specifications with appropriate agencies. Conveniently located near the zoo, golf course, Big Bear Lake, Rathbun Stream walking trail and bicycle paths, with pharmacies, grocery stores and restaurants within walking distance. The EXTRA-LONG DRIVEWAY provides RV PARKING plus room for approximately six additional vehicles and may allow expansion in width, subject to buyer verification and applicable requirements. Ideal for additional space, a mountain getaway, full-time residence or investment opportunity, with POTENTIAL SHORT- OR LONG-TERM RENTAL use, subject to applicable laws, regulations, permits and buyer verification. Seller currently maintains a standard homeowners insurance policy and does not utilize the CA FAIR PLAN. In addition, Seller is not aware of existing or proposed data centers in the immediate vicinity as of the listing date. Experience PRIVACY, mountain surroundings, blue skies, cooler temperatures and four distinct seasons—all from this special Lower Moonridge setting between Snow Summit and Bear Mountain.
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: RYAN MCKEE · ELEVATE REAL ESTATE AGENCY
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
$4,238
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $51,490 · Loan: $463,410
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,209
- Property tax (1.25%)
- $536
- Homeowners insurance
- $300
- Mortgage insurance
- $193
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Lake home with as little as 3.5% down using an FHA loan — roughly $18,022 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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