0.jpg
1 / 58

44 Tierra Montanosa, Rancho Santa Margarita, CA 92688

$899K3bd · 3ba · 1,487 sqft
Lot 29,634 sqft•HOA $518/mo•Condominium•
Active
•108d on market•MLS# OC-26156405

Property Description

Melinda Heights, NO ROAD NOISE. PEACEFUL SETTING. 3 FULL Baths! Rancho Santa Margarita At Its Best! Review the attached supplements for the full list of upgrades & Watch the 3D tour to see it all come together before you even walk in the door. This is the ONE! A rare, expansive wrap-around private patio - your own outdoor sanctuary framed by a brick-and-stone planter wall, with a separate gated entrance to the backyard. Room to lounge, entertain, and unwind in complete serenity, with far more private outdoor living space than many in the community. — this home has been renovated top to bottom, and the numbers speak for themselves. Downstairs, a bedroom suite with its own full bath and laundry opens directly onto that show-stopping patio - perfect for guests, multigenerational living, or a private home office. The kitchen has been fully reimagined with a Bosch 800 Series dishwasher, Samsung smart refrigerator and oven, quartz countertops, and recessed lighting. PLUS a whole-house Filtersorb Puragain water filtration system with a 6-stage alkaline drinking water tap. Every bathroom has been upgraded with sleek, low-flush, single-piece toilets to custom counters with molded sinks! Upstairs, two stunning primary suites deliver rare flexibility: the first with high ceilings, a closet with custom doors, a custom made shoe closet w/ separate spaces and a spa-like renovated walk-in shower that is a fully tiled European rain shower. Shower and Toilet are separated by a custom barn door. The primary bath also features custom double vanity, and smart mirrors. The second Primary features vaulted ceilings, walk-in closet, its own bath/shower. The upgrades don't stop there: New luxury lighting throughout, a newer HVAC system, an automatic sprinkler system, a fully installed garage EV charger, and a whole-home Vivint security system — cameras, sensors, and glass-break detection, equipment (paid for). The HOA has just repainted the exterior, repaved the roads, and replaced the garage doors — the whole community is looking sharp. Step outside your door and into SAMLARC living at its best: 13 parks, sport courts, hiking and biking trails, Saddleback Mountain views, and the beach club at Lake Rancho Santa Margarita. Zoned for award-winning Melinda Heights Elementary and Trabuco Hills High, with shopping and dining just minutes away. No Mello-Roos. Turnkey. Upgraded top to bottom. New HOA Statement for 2026-2027: HOA FEES REMAIN UNCHANGED!!!

Features & Amenities

FeeBuilt 1996

Property Details

Land Type
Fee
Year Built
1996
Property Type
Residential
Property Subtype
Condominium
Parking Spaces
2
Garage Spaces
2
Heating
Central
Cooling
Central Air
View
Park/Greenbelt, Trees/Woods
Flooring
Vinyl
Roof
Clay
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byeXp Realty of California Inc, Kraig Enyeart

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$4,545.83
Principal & Interest
Loan Amount
$719,200
Total Interest
$917,300
Total Payment Over 30 Years
$1,636,500
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

44 Tierra Montanosa, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Condominium

$899K
Affordable Tier
Beds
3
Baths
3
Sqft
1,487
Lot
29,634 sqft
Year
1996
$/Sqft
$605
Pool: No✓
Spa: No✓
View: mountain✓
Garage: 2-car✓

Listed in line with the median closed sale of $885,000.

Price Position

Aligned with the market — fair pricing for the comps.

At market
Subject listed at $899K· $605/sqft
Total list price
Closed comps
vs closed median $885K
+$14K (+1.6%)
Active comps
vs active median $850K
+$49K (+5.8%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $579
+$26 (+4.6%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
42 Paseo VientoRancho Santa Margarita1997231,25637,713$665$835,0002489
2 Paseo Del SolRancho Santa Margarita1993331,49910,683$574$860,00015186
28938 Paseo CaravellaMission Viejo1998321,6950$501$849,900384
80 Paseo Del SolRancho Santa Margarita—331,49949,124$584$875,0009383
28909 Paseo SabatiniMission Viejo1996221,38798,962$569$789,000380
Total: 5 · Average2.62.61,467.249,120.5$578.6$841,78054.8
Median1,499$849,900

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
28 Tierra MontanosaRancho Santa Margarita199601/29/2026331,47229,634$949,900$935,000$6350.987893
68 Tierra MontanosaRancho Santa Margarita199601/22/2026331,4870$899,999$885,000$5950.9814791
98 Tierra MontanosaRancho Santa Margarita199611/20/2025331,4728,484$899,900$890,000$6050.999288
21539 San GiorgioMission Viejo198910/06/2026331,749199,635$845,000$845,000$4831.003382
28942 Paseo TheresaMission Viejo199507/16/2026221,4000$839,000$839,000$5991.0011582
Total: 5 · Average2.82.81,51679,251$878,800$878,800$583.4—93
Median1,472$885,000$885,000

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.