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Big Bear Lake, California
Welcome to 40221 Mill Creek Rd, a well-maintained cabin in Big Bear Lake, conveniently located just minutes from the Village, the lake, and the ski slopes. This home offers a comfortable mix of mountain character and practical updates. Inside, you’ll find wood-beamed ceilings, an open living area with a stone fireplace, and an updated kitchen with stainless steel appliances and granite countertops. The bedrooms are a good size, and the bathrooms have been updated, making it an easy place to enjoy after a day outside. The large deck provides space to relax or spend time with friends and family, surrounded by trees and a quieter setting. With plenty of parking and year-round access, this property works well as a second home, full-time residence, or short-term rental
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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.