480 Vista Avenue
Sugarloaf, CA, 92386
$450,000
MLS: 219144225PS
Beds
4
Baths
2
Sq Ft
1,684
Lot
0.11 ac
Year Built
2006
MLS #
219144225PS
Days on Market
36
Listed
Mar 4, 2026
Description
Spacious and inviting, this Sugarloaf home, built in 2006, offers 4 bedrooms, 2 baths, and 1,684 sq ft of comfortable mountain living on a level 5,000 sq ft lot. Whether you're looking for a full-time home, vacation retreat, or investment opportunity, this property checks the boxes. The open living area features a cozy wood-burning fireplace -- perfect for snowy evenings in the mountains. The kitchen is upgraded with granite countertops and offers ample space for cooking and gathering. Dual-pane windows enhance energy efficiency and comfort year-round. Natural gas forced-air heating keeps the home warm during the winter months, and public water, sewer, and electric utilities provide convenience and reliability. With four bedrooms, there's plenty of room for guests, extended family, or a flexible work-from-home space. The level lot offers usable outdoor space with easy access and room to enjoy the fresh mountain air. Located in the heart of Sugarloaf, just minutes from Big Bear Lake, ski resorts, hiking, and all that Big Bear has to offer. A great opportunity for space, comfort, and value in the mountains.
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: Steve Hirschler · Keller Williams Big Bear Lake Arrowhead
Payment estimate
$3,426
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,000 · Loan: $405,000
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $15,750 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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