654 S Cumberland
Lake Arrowhead, CA, 92352
$4,950,000
MLS: IG25265287
Beds
5
Baths
5
Sq Ft
4,448
Lot
5.43 ac
Year Built
1991
MLS #
IG25265287
Days on Market
2
Listed
Dec 1, 2025
Description
Escape the noise of the city and retreat to a privately gated 5.43 acre property in the Cedar Ridge Estates community. This home offers rare privacy, usable land, and incredible lake and ridge line views, yet it’s just minutes from the lake and only 90 minutes from Los Angeles. A full renovation reimagined the home with natural materials and a modern mountain feel. The main level was redesigned for open concept living, featuring a beautiful new kitchen with top of the line appliances and a large island that anchors the space. The kitchen flows into the dining and living areas, both opening to newly built decks that overlook the views. Warm wood tones and expansive windows make the home feel bright and connected to the outdoors on every level. One of the standout features of the property is the dedicated wellness floor. A large cedar sauna, cold plunge, steam shower, and cedar hot tub create a true at home spa experience. Multiple fire features, private hiking trails, and wide view decks make it easy to enjoy the outdoors in every season. The home offers five bedrooms, four of which are en-suites, along with five updated bathrooms and thoughtful upgrades throughout, including a full Control4 system, a heated driveway, and the Frontline Sprinkler Foam Retardant System. Lake Rights are included, providing full access to everything Lake Arrowhead has to offer. If you’re looking for privacy, views, a spa-like retreat, and a home designed for easy mountain living with a strong wellness focus, this one truly stands out.
Location
Lake Arrowhead, San Bernardino County, CA 92352
Open on Google Maps ↗Listed by: Christine Williams · KELLER WILLIAMS LAKE ARROWHEAD
Payment estimate
$34,685
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $495,000 · Loan: $4,455,000
- Principal & Interest
- $27,372
- Property tax (1.25%)
- $5,156
- Homeowners insurance
- $300
- Mortgage insurance
- $1,856
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 $173,250 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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