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44 Tierra Montanosa, Rancho Santa Margarita, CA 92688

$899K3bd · 3ba · 1,487 sqft
Lot 29,634 sqft•HOA $518/mo•Condominium•
Active
•86d 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 byUnknown Office, 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: Yes✓
Spa: Yes✓
View: mountain✓
Garage: 2-car✓

Listed in line with the median closed sale of $915,000. Closed comps sold at 102% of list — strong seller's market.

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 $915K
−$16K (−1.7%)
Active comps
vs active median $865K
+$34K (+3.9%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $640
−$35 (−5.4%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
15 PoppyfieldRancho Santa Margarita1998331,438175,210$664$955,0008691
79 AlondraRancho Santa Margarita1997331,49783,138$621$929,000290
2 Paseo Del SolRancho Santa Margarita1993331,49910,683$574$860,00012990
54 Paseo VientoRancho Santa Margarita1997231,25637,713$669$840,0007288
17 Calle De Los NinosRancho Santa Margarita1998331,2908,890$671$865,0004187
Total: 5 · Average2.83.01,39663,126.8$639.8$889,80066
Median1,438$865,000

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
17 Calle De VidaRancho Santa Margarita199707/29/2026331,3720$859,999$915,000$6671.064296
67 Wild HorseRancho Santa Margarita198710/06/2026331,46048,609$905,000$920,000$6301.022489
63 Poppyfield LaneRancho Santa Margarita199807/07/2026331,2140$920,000$907,000$7470.997688
26 Bloomfield LaneRancho Santa Margarita199908/03/2026331,43862,878$899,000$910,000$6331.014587
31 CascadaRancho Santa Margarita198905/07/2026331,6750$965,000$965,000$5761.003787
Total: 5 · Average3.03.01,431.855,743.5$923,400$923,400$650.6—44.8
Median1,438$915,000$915,000

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.