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Big Bear Lake, California
Experience lakeside living at its finest in this stunning waterfront retreat overlooking beautiful Metcalf Bay. Offering 4 bedrooms, 3 full bathrooms, and 2,574 square feet of mountain charm, this exceptional getaway is designed for making unforgettable memories with family and friends. Situated on a spacious 12,300 square foot lot with an impressive 75 feet of lake frontage, the property captures breathtaking lake, mountain, and marina views from nearly every angle. Enjoy the ultimate Big Bear lifestyle with a private dock, expansive wrap-around decking, lakefront spa, BBQ area, and multiple outdoor spaces perfect for entertaining or simply relaxing. Whether you're boating in the summer or enjoying a cozy winter retreat after a day on the slopes, this home offers year-round enjoyment. The main living area features T&G ceilings with exposed beams, wood flooring, and a wood-burning fireplace creating the perfect mountain ambiance. Upstairs, the spacious family and game room offers endless entertainment with a pool table that converts to ping pong or additional game space, cozy seating areas, built-in bunk sleeping nook, and access to a large mountainside deck. The beautifully appointed kitchen is a true centerpiece, featuring lake views, expansive granite countertops, alder cabinetry, and premium stainless steel appliances. The dining area showcases incredible views overlooking the lake and marina. Two spacious bedrooms on the first floor offer comfort for family and guests alike, including a relaxing primary suite with a bay window nook and ensuite bath with separate, oversized soaker tub. Two bedrooms on the upper level offer direct access to a large lakeside balcony that is perfect for soaking in the impressive sunrises over the lake. Surrounded by towering trees, lush landscaping, and incredible natural beauty, this exceptional waterfront escape delivers the perfect balance of luxury, relaxation, and adventure — your own "Home Sweet Lake Home" in Big Bear Lake.
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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.