491 Vista Lane
Big Bear, CA, 92315
$519,000
MLS: 219151706PS
Beds
2
Baths
3
Sq Ft
1,320
Lot
0.31 ac
Year Built
1985
MLS #
219151706PS
Days on Market
4
Listed
Aug 21, 2026
Description
Wake up to the water. This 2-bedroom, 2.5-bath chalet was built for the view: The lake fills the living room windows, with filtered lake views from both bedrooms and from the spa and fire pit below. Inside, a vaulted wood beam ceiling carries the light through the great room, two floor-to-ceiling rock fireplaces warm the cold months, and each primary suite has its own walk-in closet. Multiple decks step down to the sparkling spa and fire pit, where the water shows through the pines long after sunset. Set on a rare 13,500 sq ft lot minutes from the lake and the slopes, the property adds fresh exterior paint, a grand circular driveway framed by stone pillars, space for boat and RV parking, and a garage wired with 220V for EV charging. Offered fully furnished, so you can arrive with a suitcase and catch your first lake sunset the very same evening. Some decor pieces and soft bedding are the agents and not included in the furnishings.
Location
Big Bear, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Michael Sannes · RE/MAX Big Bear
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
$4,034
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $51,900 · Loan: $467,100
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,999
- Property tax (1.25%)
- $541
- Homeowners insurance
- $300
- Mortgage insurance
- $195
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 home with as little as 3.5% down using an FHA loan — roughly $18,165 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
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
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