869 Shelter Cove
Lake Arrowhead, CA, 92352
$2,199,000
MLS: IG26166190
Beds
5
Baths
5
Sq Ft
4,156
Lot
0.68 ac
Year Built
1948
MLS #
IG26166190
Days on Market
32
Listed
Aug 11, 2026
Description
A rare offering behind the coveted gates of Shelter Cove. Set on approximately 0.68 acres of gently contoured, highly usable land, this 4,000+ sq-ft compound offers lake rights, mature trees, natural landscaping, custom hardscaping, and generous outdoor space. Its peaceful setting provides a welcome sense of privacy while remaining close to some of Lake Arrowhead’s most desirable destinations. Designed for entertaining and relaxed mountain living, the home features elevated furnishings and amenities, including an expansive primary suite, three intimate guest quarters, and a private retreat above the garage. Five updated bathrooms, a refreshed kitchen, a bonus/game room, a 300-square-foot breezeway (included in the overall square footage), and two spacious main-level living areas complete the thoughtful layout. High ceilings, two fireplaces, hardwood floors, abundant windows, and beautiful natural light create an airy yet inviting atmosphere, with ample room to gather, unwind, and enjoy quiet moments. The detached guest suite has its own entrance, making it ideal for visitors, extended stays, a studio, or a secluded workspace. An oversized two-car garage, circular driveway, and abundant parking provide exceptional flexibility for hosting, recreational equipment, storage, or workshop use. Additional improvements include central heating and air conditioning, a security system, and a recently replaced, high-quality composition-shingle roof. Nearly level access places the Lake Arrowhead shoreline trail, Tavern Bay Beach Club, and UCLA Lake Arrowhead Lodge just moments away. Whether the day begins with a walk beneath the pines, an afternoon on the lake, or time spent relaxing with family and friends, the property supports an effortless indoor-outdoor lifestyle in every season. Its combination of privacy, usable land, guest accommodations, and proximity to the water makes it equally suited to full-time living, weekend escapes, and memorable extended stays. Furnishings and A 24-foot Bentley pontoon boat may be included, along with the opportunity to rent or purchase a dock slip, making it easy to enjoy the Lake Arrowhead lifestyle from day one. From summer boating and outdoor entertaining and cozy winter weekends by the fire, this is a home designed to be enjoyed throughout the year. More than a mountain home, this distinctive Shelter Cove estate is a place for gatherings, quiet mornings, and lasting memories. Dock-slip rental is subject to availability/ALA Rules
Location
Lake Arrowhead, San Bernardino County, CA 92352
Open on Google Maps ↗Listed by: Danielle Rosenthal · Vista Sotheby's International Realty
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
$16,350
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $219,900 · Loan: $1,979,100
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $12,850
- Property tax (1.25%)
- $2,291
- Homeowners insurance
- $300
- Mortgage insurance
- $825
- HOA dues
- $85
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
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 Lake Arrowhead home with as little as 3.5% down using an FHA loan — roughly $76,965 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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