32026 Mill Stream Rd , Rancho Santa Margarita, CA 92679
$1,399,000
Est. Payment: $7,678.23/mo
4 Bed
3 Bath
2507 Sqft
0.14 Acres
Status: Active Under Contract | Days on site: 52
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House Description

Welcome to your own private retreat with this beautifully maintained 4 bedroom and 3 bathroom home that offers the perfect blend of comfort, style, and resort-style living. Featuring amazing upgrades including energy-efficient dual-pane windows, Plantation shutters, paid solar, newer HVAC system, replaced plumbing, newer roof, upgraded electrical panel, whole house fan and more. This home offers great curb appeal with its large and well manicured front yard with a split flagstone walkway, a welcoming covered porch and a beautiful front door with decorative beveled glass and side panels. Entering the home you will find cathedral ceilings and gorgeous wood flooring that leads you into the spacious living room and dining room with a glass sliding door and a relaxing outdoor fountain. The light and bright kitchen is remodeled with granite counter tops, wood cabinets, stainless steel appliances, a raised ceiling, kitchen nook area, unending windows and opens to the family room with surround sound speakers and a cozy fireplace. The downstairs office (optional 4th bedroom) includes double doors, wood flooring and plenty of storage/shelving. The beautiful spiral staircase leads you upstairs to the oversized primary bedroom with tall ceilings, a walk-in closet and a spacious primary bathroom with a granite wood vanity, dual sinks, relaxing bathtub and separate shower. The secondary bedrooms are spacious including the bonus room (third bedroom) that could be converted into two bedrooms. Step outside and enjoy your own backyard oasis featuring updated pool and spa equipment, pool umbrella, refreshed hardscape and tile, wrap-around covered patio, built-in bbq, ambient lighting, and plenty of space to relax or host friends and family. Enjoy all of Robinson Ranch's amenities including community pool/spa, tennis and pickleball courts, sport court and more! Lovingly cared for and extensively upgraded over the years, this is more than just a house, it's a home where quality, comfort, and luxury come together. (Click onto the 360 icon under the map to view the amazing drone video)

Highlights

Listed by Gina Christiansen , 949.533.7938 and Gianna Christiansen , 949-480-7442 Coldwell Banker Realty , 949-837-5700. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.14

HOA Fee

145 Monthly

Year Built

1987

County

Orange

Area

RR - Robinson Ranch

Neighborhood

Trabuco - Elms (THE)

School District

Saddleback Valley Unified

Listing ID

OC26173422

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Barbecue, Convection Oven, Dishwasher, Gas Cooktop, Gas Oven, Microwave, Water Heater
Air Cond:Central Air,Whole House Fan
Fireplaces:Family Room
Floor:Carpet,Tile,Wood
Other:
  • ▪ Additional:Breakfast Area, Ceiling Fan(s), Cathedral Ceiling(s), Separate/Formal Dining Room, Granite Counters, High Ceilings, Recessed Lighting, Storage, Bedroom on Main Level, Primary Suite, Walk-In Closet(s)
Water:Public

Exterior Features

Lot:Back Yard,Front Yard,Lawn,Near Park,No Land Lease
Garage Capacity:3
Sewer:Public Sewer
Parking Features:Door-Multi,Driveway,Garage Faces Front,Garage
Principal Interest
$7,678
Taxes
$892
HOA
$145

Home Price

$1,399,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$279,800
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:
$7,678.23

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,678.23 $891.86 $145.00 $8,715.10
Yearly $92,138.82 $10,702.35 $1,740.00 $104,581.17
Total $2,764,164.49 $321,070.50 $52,200.00 $3,137,434.99

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: 2026-10-03T23:12:51.000Z

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