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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
•7d on market•MLS# OC-26218211

Property Description

Welcome to 18 Montana Del Lago. Beautifully updated and move-in ready, this two-bedroom, two-bath condo in the desirable Montana Del Lago community offers a thoughtfully designed two-level floor plan with a bedroom and full bath on each level—providing flexibility and privacy for guests, a home office, or everyday living. The light and bright lower level features new luxury vinyl plank flooring and a beautifully updated kitchen with contemporary cabinetry, stainless steel appliances, and a generous pantry. Upstairs, newer carpeting creates a comfortable retreat, while the updated bath features a newly finished walk-in shower. All-new windows add to the home’s fresh, updated feel. Storage is plentiful throughout, and an inside stackable washer and dryer adds everyday convenience. Step outside to your private patio, an inviting space for morning coffee, barbecuing, outdoor dining, or entertaining. A private one-car garage with a new garage door opener provides secure parking and additional storage. Purchased and extensively updated by the current owners in 2022, the home has been used only as a second residence and has been exceptionally lightly lived in. The location is equally appealing. Enjoy the convenience of being just a short walk from the lake, shopping and dining, and nearby trails and recreation. In addition to the Montana Del Lago community pool, residents also enjoy the extensive SAMLARC amenities, including the Beach Club and Lagoon, four Jr. Olympic-sized pools, 13 parks, playgrounds, picnic and sports facilities, miles of trails, and year-round community events. Turnkey, thoughtfully upgraded, and ideally located, this is an exceptional opportunity to enjoy the Rancho Santa Margarita lifestyle.

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 byUnknown Office, 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: Yes✓
Garage: 1-car✓

Listed 3.6% above the median closed sale of $550,000. Closed comps sold at 104% 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 $570K
−$5 (−0.0%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $648
+$41 (+6.4%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
30 LeonadoRancho Santa Margarita19892287652,155$672$589,0002896
123 TimbreRancho Santa Margarita19922282738,112$689$570,00013296
1 DogwoodRancho Santa Margarita19872283226,380$637$529,9003394
28 Pica Flor #44Rancho Santa Margarita19872288250,378$584$515,0002093
96 AbrigoRancho Santa Margarita19922287519,553$657$575,0005393
Total: 5 · Average2.02.0858.437,315.6$647.8$555,78053.2
Median875$570,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
18 MarinoRancho Santa Margarita198910/09/2026228880$614,900$650,000$7321.063696
82 Montana Del LagoRancho Santa Margarita199008/27/20262288651,394$499,000$550,000$6211.105694
7 SilktasselRancho Santa Margarita198909/18/20262178128,835$440,000$448,000$5741.0226990
3 Via ErmitasRancho Santa Margarita199109/30/202622908137,321$599,900$599,900$6611.005590
1 Via SinceraRancho Santa Margarita198608/19/20262293928,554$549,000$550,000$5861.005489
Total: 5 · Average2.01.8880.461,526$559,580$559,580$634.8—94
Median888$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.