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18 Montana Del Lago, Rancho Santa Margarita, CA 92688

$570K2bd · 2ba · 827 sqft
Lot 52,296 sqft•HOA $606/mo•Condominium•
Active
•27d on market•MLS# OC-26218211

Property Description

Beautifully updated, exceptionally lightly lived in, and just steps from the Rancho Santa Margarita lifestyle! Welcome to 18 Montana Del Lago, a move-in-ready 2-bedroom, 2-bath condo offering the perfect combination of modern upgrades, a versatile floor plan, and an unbeatable location. With a bedroom and full bath on each level, the thoughtfully designed layout offers flexibility for guests, a home office, or everyday living. The light-filled interior features luxury vinyl plank flooring, an updated kitchen with contemporary cabinetry, new stainless steel appliances, and a generous pantry. Upstairs, enjoy newer carpeting and a beautifully remodeled bath with a new walk-in shower. Additional highlights include all-new windows, abundant storage, indoor laundry, a private patio perfect for outdoor dining and entertaining, and a private one-car garage with a new opener. The location is just as impressive! Stroll to beautiful Lago Santa Margarita, nearby shopping and dining, and scenic walking trails. Enjoy the Montana Del Lago community pool plus SAMLARC's incredible amenities, including the Beach Club and Lagoon, four Jr. Olympic-sized pools, 13 parks, recreational facilities, and year-round community events. Turnkey, beautifully maintained, and ideally situated near the lake—this is Rancho Santa Margarita living at its best. Come see what makes this home special!

Features & Amenities

FeeBuilt 1992

Property Details

Land Type
Fee
Year Built
1992
Property Type
Residential
Property Subtype
Condominium
Parking Spaces
1
Garage Spaces
1
Heating
Central
Cooling
Central Air
Flooring
Laminate
Roof
Common Roof
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byBerkshire Hathaway HomeService, Jennifer Carey

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$2,882.20
Principal & Interest
Loan Amount
$455,996
Total Interest
$581,598
Total Payment Over 30 Years
$1,037,594
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Affordable Tier · 5 active · 5 closed

18 Montana Del Lago, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Condominium

$570K
Affordable Tier
Beds
2
Baths
2
Sqft
827
Lot
1.20 ac
Year
1992
$/Sqft
$689
Pool: No✓
Garage: 1-car✓

Listed 3.6% above the median closed sale of $550,000. Closed comps sold at 103% of list — strong seller's market.

Price Position

Aligned with the market — fair pricing for the comps.

At market
Subject listed at $570K· $689/sqft
Total list price
Closed comps
vs closed median $550K
+$20K (+3.6%)
Active comps
vs active median $635K
−$65K (−10.2%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $635
+$54 (+8.5%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
30 LeonadoRancho Santa Margarita19892287652,155$672$589,0004894
28 Pica Flor #44Rancho Santa Margarita19872288250,378$566$499,0004092
15 Vista La CuestaRancho Santa Margarita198922924131,765$687$635,000588
54 Vista La CuestaRancho Santa Margarita1989229579,999$664$635,000388
39 De LinoRancho Santa Margarita1989221,11062,246$585$649,888487
Total: 5 · Average2.02.0949.861,308.6$634.8$601,577.620
Median924$635,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
82 Montana Del LagoRancho Santa Margarita199008/27/20262288651,394$499,000$550,000$6211.105795
18 MarinoRancho Santa Margarita198910/09/2026228880$614,900$650,000$7321.063793
80 Montana Del Lago DriveRancho Santa Margarita199007/13/2026228271,437$575,000$575,000$6951.006693
74 Flor De SolRancho Santa Margarita198604/29/20262280068,707$488,000$488,000$6101.0022990
42 PicazoRancho Santa Margarita198704/17/2026227730$515,000$515,000$6661.005390
Total: 5 · Average2.02.0834.840,512.667$555,600$555,600$664.8—88.4
Median827$550,000$550,000

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.