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187 Montana Del Lago , Rancho Santa Margarita, CA 92688
$695,000
Est. Payment: $3,814.42/mo
3 Bed
2 Bath
1135 Sqft
0.03 Acres
Status: Active | Days on site: 76
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OC21844 - OCDOWDSAM,OCVALVJAN
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Chris Heller
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House Description

3-BEDROOM CONDO STEPS FROM THE LAKE AND THE COMMUNITY POOL/SPA!!! Soaring ceilings and abundant windows fill the home with natural light, creating an open and airy atmosphere throughout. The open-concept living and dining areas are perfect for everyday living and entertaining, featuring a cozy fireplace as the focal point. Upstairs, the spacious primary suite boasts a walk-in closet and an en-suite bathroom with soaking tub and dual sinks. Two generously sized secondary bedrooms share a full hallway bathroom, offering comfortable accommodations for family or guests. Brand-new luxury vinyl flooring runs throughout the home, providing a modern look with easy maintenance and pet-friendly durability. The kitchen offers direct access to the oversized two-car tandem garage, which includes laundry hookups and ample storage space. Residents of Montana Del Lago enjoy resort-style amenities, including the Lago Santa Margarita Beach Club, access to Rancho Santa Margarita Lake, scenic parks, playgrounds, a beautiful walk-in beach lagoon, paddle boats, dock, 4 community pools, and picnic areas. Enjoy picturesque mountain views, lakeside walking trails, nearby hiking and biking paths, and convenient access to shopping, and dining, all within one of Orange County's most desirable master-planned communities.
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Highlights

Listed by Samantha Dowd , 714-485-5726 and Janine Valverde , 949-560-3398 Platinum Tree Realty , 714-485-5726. CRMLS/Multi-Regional MLS mls logo

Property Type

Condo/Townhome
Lot/Acreage
0.03

HOA Fee

734.38 Monthly

Year Built

1990

County

Orange

Area

R1 - Rancho Santa Margarita North

 Neighborhood

Montana Del Lago (MDL)

 School District

Saddleback Valley Unified

Listing ID

OC26145343

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central Air
Fireplaces:Living Room
Other:
  • ▪ Additional:All Bedrooms Up, Primary Suite, Walk-In Closet(s)
Water:Public

Exterior Features

Lot:No Land Lease
Garage Capacity:2
Sewer:Public Sewer
Principal Interest
$3,814
Taxes
$443
HOA
$734

Home Price

$695,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$139,000
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:
$3,814.42

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,814.42 $443.06 $734.38 $4,991.86
Yearly $45,773.04 $5,316.75 $8,812.56 $59,902.35
Total $1,373,191.08 $159,502.50 $264,376.80 $1,797,070.38

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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