496 North State Highway 173
Lake Arrowhead, CA, 92352
$5,200,000
MLS: OC26064492
Beds
6
Baths
5
Sq Ft
4,400
Lot
0.19 ac
Year Built
2018
MLS #
OC26064492
Days on Market
2
Listed
Mar 31, 2026
Description
Welcome to one of the most exceptional turnkey lakefront estates in Lake Arrowhead, perfectly positioned on deep, swimmable water in the exclusive enclave of Emerald Bay. This is where modern luxury, effortless mountain living, and true lakefront lifestyle come together in one unforgettable property. Located within Arrowhead Woods, Lake Arrowhead’s highly sought after private lake rights community, this home offers rare access to one of Southern California’s most prestigious and private lakes. From the moment you arrive, you are greeted by a heated driveway and walkways, setting the tone for comfort and ease year round. The oversized three car garage, along with a dedicated boat garage, provides ample space for all your mountain and lake essentials. The property comes with a private dock and a custom waterfront cabana, creating the ultimate lakeside experience just steps from your door. Inside, the home is both striking and inviting, with floating staircases, dramatic LED lighting, and expansive floor to ceiling glass doors that blur the line between indoor and outdoor living. The chef’s kitchen is a true centerpiece, featuring a 60 inch Wolf range, quartzite countertops, Waterworks fixtures, and beautiful reclaimed North Carolina wood accents. Designed for both entertaining and everyday enjoyment, the home offers multiple levels of heated decks, a sleek linear fire pit, and a serene lakeside patio, all perfectly oriented to capture the beauty of the water. A fully integrated smart home system allows you to control lighting, sound, and climate with ease. Down at the water’s edge, your covered pier and custom cabana bar invite you to relax, entertain, and fully embrace lake life on some of the best, deepest water Lake Arrowhead has to offer. Beyond the lifestyle, this property is also an active, high performing short term rental with a proven track record, making it a rare opportunity to own not only a stunning personal retreat, but a strong income producing asset. Whether you are looking for a private escape, a place to gather for generations, or a luxury investment, this one of a kind lakefront estate delivers on every level. Opportunities like this in Arrowhead Woods are incredibly rare, this is lakefront living at its finest.
Location
Lake Arrowhead, San Bernardino County, CA 92352
Open on Google Maps ↗Listed by: Leah Albagli · Douglas Elliman of California
Payment estimate
$36,421
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $520,000 · Loan: $4,680,000
- Principal & Interest
- $28,755
- Property tax (1.25%)
- $5,417
- Homeowners insurance
- $300
- Mortgage insurance
- $1,950
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 Lake Arrowhead home with as little as 3.5% down using an FHA loan — roughly $182,000 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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