12 Montana Del Lago Dr Unit 168 , Rancho Santa Margarita, CA 92688
$730,000
Est. Payment: $4,006.51/mo
3 Bed
2 Bath
1344 Sqft
1.2 Acres
Status: Active | Days on site: 118
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House Description

ONE OF THE BEST VALUES IN SOUTH OC — END UNIT! Competitively priced 3-bedroom, 2-bathroom homes of this size currently on the market in South Orange County. Nestled in the lakefront enclave of Montana Del Lago, this beautifully updated end unit offers the ultimate blend of natural light, style, and resort-style living. Designed with a rare side-by-side 2-car garage featuring overhead storage and direct access to the home, this residence offers both convenience and functionality. All main living spaces are located upstairs, showcasing vaulted ceilings, a sun-drenched open-concept floor plan, a refreshed fireplace, and a new dining chandelier. Slide open the glass doors to your private balcony, perfect for relaxing and enjoying the surroundings. Recent upgrades include updated flooring throughout, modern light fixtures, and ceiling fans. The spacious primary suite features a private en-suite bathroom, while the secondary bedroom is generously sized. Just steps from private lake access, community pools, tree-lined trails, and the SAMLARC Beach Lagoon, this home is also minutes from top-rated schools, premier dining, and shopping. Turnkey, move-in ready, and priced to sell quickly!

Highlights

Listed by Joseph Chow , 714-926-7767 and Jared Okawa , 626-664-8840 Redfin , 877-973-3346. CRMLS/Multi-Regional MLS mls logo

Property Type

Condo/Townhome

Lot/Acreage
1.2

HOA Fee

528.93 Monthly

Year Built

1992

County

Orange

Area

R1 - Rancho Santa Margarita North

Neighborhood

Montana Del Lago (MDL)

School District

Other

Listing ID

OC26120243

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Gas Oven, Gas Range, Refrigerator
Air Cond:Central Air
Fireplaces:Gas,Living Room
Floor:Laminate,Tile
Other:
  • ▪ Additional:Balcony, Ceiling Fan(s), High Ceilings, Open Floorplan, Tile Counters, All Bedrooms Up
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Roof:Tile
Sewer:Public Sewer
Parking Features:Direct Access,Garage,Permit Required,One Space

Open House

Upcoming Open Houses
Saturday 1:00 pm - 4:00 pm Oct 3
Sunday 1:00 pm - 4:00 pm Oct 4
Principal Interest
$4,007
Taxes
$465
HOA
$529

Home Price

$730,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$146,000
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:
$4,006.51

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,006.51 $465.38 $528.93 $5,000.82
Yearly $48,078.15 $5,584.50 $6,347.16 $60,009.81
Total $1,442,344.59 $167,535.00 $190,414.80 $1,800,294.39

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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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: 2026-10-03T17:14:43.000Z

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