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1921 Bernina Dr, Pine Mountain Club, CA, 93222

5beds
5baths
4,494sqft
$719,000
$160price/sqft
$5,723/moest. monthly cost
$228,920/yrincome needed

About This Home

A Mountain Legacy Estate — Built Without Compromise Once a private holiday retreat commissioned by a jet-set original owner, this over ¾-acre mountain estate is a genuine architectural time capsule — a home where craftsmanship, not cost, dictated every decision, and where nothing has been diminished by decades of piecemeal renovation. The great room soars to a 32-foot vaulted, unfinished pine ceiling, anchored by a freestanding wood stove and open loft. Underfoot, 1.25" Georgia oak flooring is said — as family legend holds — to have been milled from the salvaged sawmill building from the 1790s that built the USS Constitution's keel. Every room carries the same unmistakable hand: custom-fitted knotty pine throughout, built-in library shelving, a chalet-inspired A-frame, and a garden-style primary bath crowned by an arched greenhouse window. ~ Thirty windows are dressed uniformly in matching designer blinds, with the same coordinated floral fabric carried from the sunroom valances to the couch upholstery, the window seat cushions, and the kitchen table chairs — a level of coordinated design intent rarely found intact after 30+ years. The estate offers exceptional flexibility for multi-generational living or guests: a private guest suite above the garage with its own entrance, kitchenette, and bath, plus a second lower-level suite with private entrance, wet bar, and bath — together offering near-triplex versatility that when all opened up together create the ultimate luxury mountain estate. Practical luxury matches the aesthetic: a 24kW Generac whole-home generator, a three-car garage finished in redwood cabinetry, and a California Closets-designed primary suite closet. This is not a house that was updated. It is a house that was finished correctly — and has simply been loved ever since. Some of the photos have have the sky AI enhanced along with the TV's and Fireplaces.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
6/10
7/10

Construction

Condition

  • Year built: 1982

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Primary Suite
  • Fireplace features: Family Room,Primary Bedroom
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Whole House Fan

Interior Area

  • Total interior livable area: 4,494 sqft

Master Bedroom

  • Features: Primary Suite

Property

Details

  • Parcel number: 31638301007
  • Special condition: Standard
  • Horse amenities: Riding Trail

Features

  • Levels: Two
  • Stories: 2
  • Entry location: front door
  • Pool features: Community,Association
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods

Lot

  • Lot size: 0.27 Acres
  • Features: Greenbelt

Parking

  • Total spaces: 13
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Uncovered spaces: 10

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Wildfire
    WildfireVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Wildfire
Heat Wave
Inland Flooding
Landslide
Drought
Winter Weather

FEMA Declared Disasters in Kern County and California

Earthquake
Fire
Flood
Hurricane
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,635$43,620
Home Insurance *$446$5,352
Property Taxes $679$8,148
Electricity $963$11,564
Total$5,723$68,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,217/yr
40% on housing$171,690/yr
45% on housing$152,613/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 93222$195
Kern County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 93222$302
Kern County$233

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-14Price change$639,000
2026-07-31Listed for sale$719,000
2026-04-07Listing removed$2,000
2026-03-27Listed for rent$2,000

For Sale by Agent

AgentAngie Nafie
BrokerageBeverly Glen Homes

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