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Big Bear Lake, California
Big Sky Views & True Mountain Living in the High Timber Ranch area of upper Moonridge! Set on a beautifully treed 3/4-acre lot at the end of a quiet cul-de-sac, this exceptional mountain home offers the privacy, tranquility, and natural beauty you've been looking for. Enjoy expansive views of the valley and surrounding mountains from the approximately 900-square-foot deck, featuring sleek glass panels that allow the views to take center stage. The spacious gourmet kitchen is designed for entertaining, complete with a commercial-grade stove and convenient butler's pantry. An oversized garage provides plenty of room for vehicles and mountain toys, while the adjoining laundry/mudroom adds everyday functionality. The primary suite features its own fireplace, creating a warm and inviting retreat. Upstairs, the spacious loft serves as a fourth bedroom and offers beautiful valley views, making it an ideal space for guests, family, or a vacation mountain getaway. Surrounded by mature trees and tucked away in one of Upper Moonridge's peaceful neighborhoods, this home delivers an authentic mountain experience with impressive views, privacy, and exceptional indoor-outdoor living. Enjoy the added convenience of being just steps of the Rathbun Creek Trail, offering easy access to the natural beauty and hiking opportunities that make Big Bear so special.
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Based on the household income you entered, you fall under the USDA Rural Housing Loan cap. This is a government-backed program that allows zero down payment on eligible mountain properties — lower mortgage insurance than FHA and more flexible credit than conventional.
It’s not widely advertised, but most homes in our mountain communities qualify.