169 Montana Del Lago Dr , Rancho Santa Margarita, CA 92688
$899,000
Est. Payment: $4,539.69/mo
3 Bed
2 Bath
1344 Sqft
Status: active | Days on site: 56
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Experience the best of lakeside living in one of Montana Del Lago’s premier waterfront residences on Santa Margarita Lake. Spectacular panoramic lake views, an attached side-by-side two-car garage, and a highly desirable upper-level floor plan with all bedrooms and main living areas on one level make this an exceptional offering in one of Rancho Santa Margarita’s most sought-after communities. Wake each morning to tranquil lake views from the primary suite and enjoy picturesque vistas from the living room, dining area, kitchen, balcony, and an additional bedroom. More than just a beautiful view, the exceptional waterfront setting creates an atmosphere of serenity that enhances everyday living. Thoughtfully updated throughout, the home features a beautifully renovated contemporary primary shower, newer carpeting, fresh interior paint, upgraded lighting, a smart entry lock, and Milgard windows and a Milgard sliding glass door. The open-concept kitchen flows seamlessly into the dining and living areas, maximizing the home’s stunning waterfront setting. The lake-view balcony is the perfect place to enjoy your morning coffee, read a favorite book, or simply relax while overlooking the sparkling waters of Santa Margarita Lake. Residents enjoy Montana Del Lago’s recently renovated pool, along with SAMLARC amenities including the Beach Club Lagoon, multiple pools, parks, playgrounds, sports courts, fishing, scenic walking paths, community events, summer concerts, and holiday celebrations. Ideally located near shopping, dining, parks, and trails, this exceptional home offers the perfect blend of waterfront living, thoughtful updates, and everyday convenience. A home where spectacular views and an exceptional lifestyle become part of everyday living.

Highlights

Listed by Sara Martin , 949-872-4155 and William Scott , 949-697-8795 Regency Real Estate Brokers , 949-707-4400. CRMLS/Multi-Regional MLS mls logo

Property Type

Condo/Townhome

HOA Fee

739 Monthly

Year Built

1991

County

Orange

Area

R1 - Rancho Santa Margarita North

Neighborhood

Montana Del Lago (MDL)

School District

Capistrano Unified

Listing ID

OC26123254

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Gas Oven
Air Cond:Central Air
Fireplaces:
Other:Balcony,Ceiling Fan(s),All Bedrooms Up,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Others:2+ Total Units
Sewer:Public Sewer
Parking Features:Garage,See Remarks,Side By Side
Principal Interest
$4,540
Taxes
$573
HOA
$739

Home Price

$899,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$179,800
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:
$4,539.69

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,539.69 $573.11 $739.00 $5,851.80
Yearly $54,476.23 $6,877.35 $8,868.00 $70,221.58
Total $1,634,287.03 $206,320.50 $266,040.00 $2,106,647.53

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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