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12 Montana Del Lago Drive, 168, Rancho Santa Margarita, CA 92688

$730K3bd · 2ba · 1,344 sqft
Lot 52,296 sqft•HOA $528.93/mo•Condominium•
Active
•129d on market•MLS# OC-26120243

Property Description

ONE OF THE BEST VALUES IN SOUTH OC — END UNIT! Competitively priced 3-bedroom, 2-bathroom homes of this size currently on the market in South Orange County. Nestled in the lakefront enclave of Montana Del Lago, this beautifully updated end unit offers the ultimate blend of natural light, style, and resort-style living. Designed with a rare side-by-side 2-car garage featuring overhead storage and direct access to the home, this residence offers both convenience and functionality. All main living spaces are located upstairs, showcasing vaulted ceilings, a sun-drenched open-concept floor plan, a refreshed fireplace, and a new dining chandelier. Slide open the glass doors to your private balcony, perfect for relaxing and enjoying the surroundings. Recent upgrades include updated flooring throughout, modern light fixtures, and ceiling fans. The spacious primary suite features a private en-suite bathroom, while the secondary bedroom is generously sized. Just steps from private lake access, community pools, tree-lined trails, and the SAMLARC Beach Lagoon, this home is also minutes from top-rated schools, premier dining, and shopping. Turnkey, move-in ready, and priced to sell quickly!

Features & Amenities

FeeBuilt 1992

Property Details

Land Type
Fee
Year Built
1992
Property Type
Residential
Property Subtype
Condominium
Parking Spaces
2
Garage Spaces
2
Heating
Central, Fireplace(s)
Cooling
Central Air
View
Mountain(s)
Flooring
Laminate, Tile
Roof
Tile
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byRedfin, Joseph Chow

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$3,691.28
Principal & Interest
Loan Amount
$584,000
Total Interest
$744,860
Total Payment Over 30 Years
$1,328,860
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

12 Montana Del Lago Drive, 168, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Condominium

$730K
Affordable Tier
Beds
3
Baths
2
Sqft
1,344
Lot
1.20 ac
Year
1992
$/Sqft
$543
Pool: Yes✓
Spa: Yes✓
View: mountain✓
Garage: 2-car✓

Listed 19.8% below the median closed sale of $910,000. Price per sqft ($543) is a 10% discount to closed comps ($606). Closed comps sold at 102% of list — strong seller's market.

Price Position

Priced below the market — value advantage over the field.

Price advantage
Subject listed at $730K· $543/sqft
Total list price
Closed comps
vs closed median $910K
−$180K (−19.8%)
Active comps
vs active median $810K
−$80K (−9.9%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $661
−$118 (−17.9%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
17 AubrietaRancho Santa Margarita1988321,14316,918$699$799,0004089
17 Camino Del OroRancho Santa Margarita1993221,21237,479$577$699,9002988
54 Paseo VientoRancho Santa Margarita1997231,25637,713$669$840,0007286
9 GeraniumRancho Santa Margarita1986331,1740$690$810,0007785
17 Calle De Los NinosRancho Santa Margarita1998331,2908,890$671$865,0004184
Total: 5 · Average2.62.61,21525,250$661.2$802,78051.8
Median1,212$810,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
17 Calle De VidaRancho Santa Margarita199707/29/2026331,3720$859,999$915,000$6671.064292
67 Wild HorseRancho Santa Margarita198710/06/2026331,46048,609$905,000$920,000$6301.022488
73 Camino Del OroRancho Santa Margarita199209/29/2026221,22525,172$699,000$695,000$5670.995688
59 Via CordobaRancho Santa Margarita199409/16/2026221,31819,500$699,000$705,000$5351.017587
26 Bloomfield LaneRancho Santa Margarita199908/03/2026331,43862,878$899,000$910,000$6331.014586
Total: 5 · Average2.62.61,362.639,039.75$829,000$829,000$606.4—48.4
Median1,372$910,000$910,000

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.