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Big Bear Lake, California
Amazing Lake Arrowhead Deal Near ALA Trail #38! Just minutes from the lake, this well-maintained mountain retreat offers an ideal vacation home, investment, or full-time residence. The bright, open main level features soaring ceilings, abundant natural light, a seamless kitchen and living area, and expansive decking surrounded by seasonal oaks. A half bath and laundry complete the main floor. Downstairs are 3 bedrooms and 3 bathrooms, including 2 spacious ensuite bedrooms, one with a jetted soaking tub and walk-in closet. Approx. 400 SF bonus area currently serves as a rec room and could be considered a 4th bedroom with a walk in closet and own entrance. Enjoy a generous lot, fenced dog run, beautiful tree & seasonal ridgeline views, 2-car direct-access garage, and additional parking deck with space for 2+ cars. Recent upgrades include a reconstructed, level parking deck, improved drainage, generator, EV charger, LED lighting, new kitchen appliances, updated flooring, and fresh interior and exterior paint. With plowed roads and convenient access to the lake, shopping, dining, schools, and golf, this property delivers for mountain living!
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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.