18 Santa Inez , Rancho Santa Margarita, CA 92688
$1,475,000
Est. Payment: $7,448.32/mo
4 Bed
3 Bath
2857 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Located inside a secluded gated community in Rancho Santa Margarita and just steps from award-winning schools, this beautifully upgraded home offers the perfect blend of privacy, comfort, and everyday convenience. From the moment you enter, you’re welcomed by upgraded tile flooring that flows throughout the home, along with a formal living room and formal dining room that create an elegant first impression. The recessed ceiling detail with crown molding adds a refined touch, giving the main living areas a more elevated and custom feel. The heart of the home is the open kitchen, designed to connect seamlessly with the breakfast nook and family room. The kitchen features a large center island with a farmhouse sink, built-in stainless steel cooktop with upgraded hood, stainless steel double ovens, dishwasher, expansive counter space, wine refrigerator, and cabinetry finished with upgraded hardware. Just off the kitchen, the spacious family room offers a warm and functional setting with a built-in speaker system and custom entertainment center. One of the standout features of the floor plan is the large main-floor bedroom with direct access to a full bathroom. This creates an ideal setup for guests, extended family, a private office, or multigenerational living. Upstairs, you’ll find two additional secondary bedrooms, a small loft area with built-in storage, and a unique office space that adds even more flexibility. The expansive primary suite has a lot to offer, including a primary retreat complete with functional built-ins, a cozy sitting area with fireplace, and a spacious primary bathroom with a large walk-in closet. The backyard is designed for privacy and relaxation, backing to a slope with no rear neighbor. New vinyl fencing surrounds the yard, while the spa, built-in BBQ with new burners, and built-in gas fire pit create a comfortable outdoor setting for unwinding or entertaining year-round. To top it all off, the home includes a fully paid 32-panel solar system and a whole house fan, helping keep energy costs down. As part of Rancho Santa Margarita, residents also enjoy access to the city’s incredible resort-style amenities, including pools, parks, sport courts, trails, the Beach Club and Swim Lagoon, RSM Lake, and more. With its gated setting, private backyard, thoughtful upgrades, main-floor bedroom, paid solar, and access to award-winning schools, this home offers an opportunity to enjoy one of Orange County's most desirable lifestyles.

Highlights

Listed by Eric Babcock , 9496066343 and Nancy Babcock , 949-422-7582 Real Broker , 855-450-0442. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.1

HOA Fee

259.83 Monthly

Year Built

2000

County

Orange

Area

R2 - Rancho Santa Margarita Central

Neighborhood

Lyon Monterrey (LYMR)

School District

Capistrano Unified

Listing ID

OC26172838

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Air Cond:Central Air
Fireplaces:Family Room,Primary Bedroom
Other:Bedroom on Main Level,Primary Suite,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:0-1 Unit/Acre,No Land Lease
Garage Capacity:2
Sewer:Public Sewer
Principal Interest
$7,448
Taxes
$940
HOA
$260

Home Price

$1,475,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$295,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$7,448.32

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,448.32 $940.31 $259.83 $8,648.46
Yearly $89,379.81 $11,283.75 $3,117.96 $103,781.52
Total $2,681,394.18 $338,512.50 $93,538.80 $3,113,445.48

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Rancho Santa Margarita, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-10T20:37:41.000Z

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