649 St Moritz
Big Bear Lake, CA, 92315
$739,000
MLS: IG26146104
Beds
4
Baths
2
Sq Ft
2,019
Lot
0.17 ac
Year Built
1975
MLS #
IG26146104
Days on Market
32
Listed
Jul 9, 2026
Description
Welcome to your Big Bear Lake mountain retreat, where location, style, and adventure come together! Perfectly situated in the heart of Big Bear, this centrally located home is just a short walk to Snow Summit Ski Resort, making it an ideal year-round getaway or full-time residence. Currently operating as a well-established vacation rental with a proven rental history, this property also offers all the comforts and functionality of a primary home. Inside, you'll find a tastefully updated kitchen featuring stainless steel appliances, granite countertops, and plenty of space to gather after a day on the mountain. The dramatic vaulted ceilings and open-concept floor plan create an airy, welcoming atmosphere, while expansive windows fill the home with natural light and frame the beautiful mountain setting. The spacious loft offers endless possibilities as a game room, media lounge, home office, or additional sleeping area—perfect for entertaining family and friends. Whether you're looking for a turnkey investment, a weekend escape, or a place to call home, this exceptional property delivers the best of Big Bear living. With unbeatable proximity to skiing, hiking, biking, dining, and the lake, this is the mountain home buyers have been waiting for.
Location
Big Bear Lake, San Bernardino County, CA 92315
Open on Google Maps ↗Listed by: Sarah Stitt · 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
$5,634
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $73,900 · Loan: $665,100
Average 30-yr fixed rate 6.69% as of Aug 6, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,287
- Property tax (1.25%)
- $770
- Homeowners insurance
- $300
- Mortgage insurance
- $277
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 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
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 Lake home with as little as 3.5% down using an FHA loan — roughly $25,865 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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