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496 N State Highway 173, Lake Arrowhead, CA, 92352

6beds
5baths
4,400sqft
$4,999,000
$1,136price/sqft
$31,343/moest. monthly cost
$1,253,720/yrincome needed

About This Home

Welcome to one of the most exceptional turnkey lakefront estates in Lake Arrowhead, perfectly positioned on deep, swimmable water in the exclusive enclave of Emerald Bay. This is where modern luxury, effortless mountain living, and true lakefront lifestyle come together in one unforgettable property. Located within Arrowhead Woods, Lake Arrowheads highly sought after private lake rights community, this home offers rare access to one of Southern Californias most prestigious and private lakes. From the moment you arrive, you are greeted by a heated driveway and walkways, setting the tone for comfort and ease year round. The oversized three car garage, along with a dedicated boat garage, provides ample space for all your mountain and lake essentials. The property comes with a private dock and a custom waterfront cabana, creating the ultimate lakeside experience just steps from your door. Inside, the home is both striking and inviting, with floating staircases, dramatic LED lighting, and expansive floor to ceiling glass doors that blur the line between indoor and outdoor living. The chefs kitchen is a true centerpiece, featuring a 60 inch Wolf range, quartzite countertops, Waterworks fixtures, and beautiful reclaimed North Carolina wood accents. Designed for both entertaining and everyday enjoyment, the home offers multiple levels of heated decks, a sleek linear fire pit, and a serene lakeside patio, all perfectly oriented to capture the beauty of the water. A fully integrated smart home system allows you to control lighting, sound, and climate with ease. Down at the waters edge, your covered pier and custom cabana bar invite you to relax, entertain, and fully embrace lake life on some of the best, deepest water Lake Arrowhead has to offer. Beyond the lifestyle, this property is also an active, high performing short term rental with a proven track record, making it a rare opportunity to own not only a stunning personal retreat, but a strong income producing asset. Whether you are looking for a private escape, a place to gather for generations, or a luxury investment, this one of a kind lakefront estate delivers on every level. Opportunities like this in Arrowhead Woods are incredibly rare, this is lakefront living at its finest.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2018

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 5

Interior Area

  • Total structure area: 4,400
  • Total interior livable area: 4,400 sqft

Property

Features

  • Stories: 3
  • Patio & porch: Patio

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 3

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
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Wildfire
Heat Wave
Landslide

FEMA Declared Disasters in San Bernardino County and California

Earthquake
Fire
Flood
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 $25,277$303,324
Home Insurance *$2,082$24,984
Property Taxes $3,041$36,492
Electricity $943$11,322
Total$31,343$376,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,074,617/yr
40% on housing$940,290/yr
45% on housing$835,813/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,136This listing

vs Other Active Listings

Avg $/sqft

ZIP 92352$376
San Bernardino County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 92352$335
San Bernardino County$319

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)

No zestimate history available

Price History

DateEventPrice
2026-03-31Listed for sale$5,200,000
2026-03-26Listing removed$5,200,000
2025-04-15Listed for sale$5,200,000

For Sale by Agent

AgentLeah Albagli
BrokerageDouglas Elliman

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