446 Shady
Big Bear Lake, CA, 92315
$669,000
MLS: OC26016891
Beds
4
Baths
3
Sq Ft
1,508
Lot
0.11 ac
Year Built
2004
MLS #
OC26016891
Days on Market
46
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
Payment estimate
$4,947
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $66,900 · Loan: $602,100
- Principal & Interest
- $3,699
- 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 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 $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.
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