535 Cienega Road
Big Bear Lake, CA, 92315
$2,199,999
MLS: IG26060320
Beds
4
Baths
4
Sq Ft
3,478
Lot
0.38 ac
Year Built
1983
MLS #
IG26060320
Days on Market
15
Listed
Mar 20, 2026
Description
Tucked away on a beautifully landscaped, lakefront lot just steps from Pleasure Point Marina, this luxury rustic cabin blends comfort, style, and that true Big Bear charm. With nearly 70 feet of lake frontage and over a third of an acre of usable land—including a lush grassy backyard—it’s the kind of place that invites both adventure and relaxation. Inside, you’ll find over 3,400 square feet of remodeled living space featuring 4 bedrooms and 4 bathrooms, including a spacious master suite. The open layout includes vaulted wood-beam ceilings, a stunning wall of glass framing the lake, a large loft with stunning views, and a cozy den/movie room perfect for winding down after a day on the water. Step outside to an expansive deck built for entertaining right on the lake. There’s a private spa tucked into the backyard, a sauna for those crisp mountain evenings, and two oversized garages with plenty of space for lake toys, gear, or extra guests. A Generac generator is already hooked up and ready to go—this place is built for year-round living and peace of mind. Whether you’re watching the sunrise from the deck or hosting friends under the stars, this home delivers the lake lifestyle without compromise. A rare opportunity in one of Big Bear’s most coveted waterfront pockets.
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Nicholas LaBate · RE/MAX BIG BEAR
Payment estimate
$15,582
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $220,000 · Loan: $1,979,999
- Principal & Interest
- $12,165
- Property tax (1.25%)
- $2,292
- Homeowners insurance
- $300
- Mortgage insurance
- $825
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 $77,000 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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