3 Sembrado , Rancho Santa Margarita, CA 92688
$1,900,000
Est. Payment: $9,594.44/mo
5 Bed
5 Bath
4307 Sqft
Status: pending | Days on site: 19
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House Description

Welcome to this beautifully designed 5-bedroom, 4.5-bathroom home offering approximately 4,307 square feet — one of the best values for this much space in South Orange County. Set on a quiet cul-de-sac near award-winning schools, with tasteful upgrades and an expansive floor plan, this home delivers the space, comfort, and lifestyle buyers are looking for, all without compromise. Custom iron doors open to a grand entry that flows into a spacious formal living room and formal dining room. Crown molding, recessed lighting, plantation shutters, and elevated baseboards add a polished feel throughout. The open kitchen is designed for everyday living and effortless entertaining, with stainless steel appliances, double ovens, a center island, and a layout that opens directly to the family room — perfect for holidays, dinner parties, or casual nights at home. A standout feature of this home is its flexibility: with three separate ensuite bedrooms, it's ideally suited for multi-generational living, visiting guests, or anyone who wants extra privacy built in. The main level offers a bedroom with its own upgraded ensuite bathroom, perfect for guests or family members who prefer to avoid stairs, plus a guest bathroom and dedicated laundry room. Upstairs, a massive open loft offers endless flexibility for a second living area, playroom, or home office. A second ensuite bedroom has its own private upgraded bathroom with subway tile and an upgraded vanity, while the two remaining secondary bedrooms share a beautifully upgraded bathroom a subway-tiled shower. The expansive primary suite feels like a true retreat, with a cozy fireplace, generous sitting area, walk-in closets, and upgraded vanities — spacious, private, and the place you'll look forward to escaping to at the end of the day. For added comfort and peace of mind, the home has been completely repiped, includes a whole house fan, and features an owned 28-panel solar system that helps reduce electricity costs. Enjoy a private backyard along the hillside and three citrus trees in front. This home also includes access to resort-style community amenities, including four Olympic-sized swimming pools, the RSM Beach Club swim lagoon, sport courts, parks, and trails. Simply put — this is an extraordinary amount of home, in an unbeatable location, at a value that's hard to find anywhere else in South Orange County.

Highlights

Listed by Jim Bishop , 949-464-8136 and Vickie Bishop , 949-302-8390 Berkshire Hathaway HomeService , 949-495-1800. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

284.43 Monthly

Year Built

1990

County

Orange

Area

R2 - Rancho Santa Margarita Central

Neighborhood

Montilla (MNT)

School District

Capistrano Unified

Listing ID

OC26153303

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:6 Burner Stove, Double Oven, Dishwasher, Electric Oven, Disposal, Gas Range, Microwave, Refrigerator, Water Heater
Air Cond:Central Air
Fireplaces:Decorative,Family Room,Living Room,Masonry,Primary Bedroom
Floor:Carpet,Tile,Wood
Other:Breakfast Bar,Balcony,Breakfast Area,Ceiling Fan(s),Crown Molding,Separate/Formal Dining Room,Eat-in Kitchen,Granite Counters,Quartz Counters,Recessed Lighting,Storage,Bedroom on Main Level,Primary Suite,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Back Yard,Cul-De-Sac,Front Yard,Sprinklers In Rear,Sprinklers In Front,Landscaped,Sprinklers On Side,Sprinkler System,Yard,No Land Lease
Garage Capacity:6
Roof:Tile
Others:Rain Gutters,Updated/Remodeled,Stucco
Sewer:Public Sewer
Parking Features:Concrete,Door-Multi,Direct Access,Driveway,Garage,Garage Door Opener
Principal Interest
$9,594
Taxes
$1,211
HOA
$284

Home Price

$1,900,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$380,000
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:
$9,594.44

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $9,594.44 $1,211.25 $284.43 $11,090.12
Yearly $115,133.31 $14,535.00 $3,413.16 $133,081.47
Total $3,453,999.29 $436,050.00 $102,394.80 $3,992,444.09

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: 2026-08-11T00:38:43.000Z

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