446 Shady
Big Bear Lake, CA, 92315
$669,000
Original list price: $739,000
MLS: OC26016891
Beds
4
Baths
3
Sq Ft
1,508
Lot
0.11 ac
Year Built
2004
MLS #
OC26016891
Days on Market
213
Listed
Jan 23, 2026
Description
INVESTOR & VALUE-ADD OPPORTUNITY — EXPANDABLE MOUNTAIN RETREAT Meticulously maintained custom-built home (2004) offering alpine charm, panoramic views, and exceptional expansion potential. The main level features 4 bedrooms, 3 baths, soaring vaulted ceilings with exposed beams, and an open-concept living area filled with natural light. The expansive elevated deck captures sweeping views of surrounding hills and National Forest — perfect for year-round enjoyment. A private ~400 sq. ft. guest suite with separate exterior entrance offers flexibility for multi-generational living or income potential. BONUS: The lower level includes an unfinished space approximately equal in size to the main living area — providing incredible value-add opportunity. Ideal for future expansion into additional bedrooms, a game room, home theater, gym, second living unit (buyer to verify), or creative custom design. Whether you’re seeking a primary residence, vacation home, or high-upside investment, this property delivers immediate enjoyment with room to grow. Now attractively positioned — rare chance to secure space, views, and future equity in Big Bear Lake.
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Qi Fang · Real Broker
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
$5,113
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $66,900 · Loan: $602,100
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,865
- Property tax (1.25%)
- $697
- Homeowners insurance
- $300
- Mortgage insurance
- $251
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 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
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 $23,415 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.
Similar Homes Nearby
Active and pending listings in ZIP 92315 (Big Bear Lake)within ±10% of this home's price and size.
$615,000
369 S Eureka
Big Bear Lake, 92315
$619,000
40138 Hillcrest Drive
Big Bear, 92315
$625,000
43315 Shasta Road
Big Bear Lake, 92315
$625,000
745 Summit Boulevard
Big Bear Lake, 92315
$625,000
993 Cameron Drive
Big Bear, 92315
$625,000
39893 Forest Road
Big Bear Lake, 92315
Local Market Stats
See Big Bear, CA 92315 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
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.