26 Montana Del Lago, Rancho Santa Margarita, California 92688, Rancho Santa Margarita, 92688 - 2 bed, 3 bath

26 Montana Del Lago
Rancho Santa Margarita, California 92688
Property Price
SUMMARY
Analysis of 26 Montana Del Lago, Rancho Santa Margarita, California 92688 is currently available with a list price of $749,000. The property maintains a Excellent Condition Rating (95/100), indicating excellent structural integrity and modern finishes throughout. This turnkey property requires minimal updates and is ready for immediate occupancy. Located in a high-demand neighborhood within the Rancho Santa Margarita Unified School District, this asset is categorized as a low-risk, high-reward acquisition suitable for both Buy-and-Hold Investors and Owner-Occupants willing to undertake light renovation work.
Condition Analysis
OVERALL CONDITION SCORE
Property is new construction or fully renovated.
Although built in 1990, the property has undergone extensive recent renovations that meet modern quality standards. The kitchen features updated white cabinetry, stone countertops, and stainless steel appliances. The interior boasts new wide-plank flooring, updated bathrooms with contemporary vanities, recessed lighting, and fresh neutral paint throughout, showing no signs of deferred maintenance.
PROSSTRENGTHS & OPPORTUNITIES
- Dual Primary Suites
The home features two true primary suites with en-suite bathrooms and spacious closets, providing an ideal layout for privacy, guests, or a roommate living arrangement.
- Flexible Living Space
A converted garage area offers valuable additional square footage that can serve as a home office, gym, or guest room, catering to modern work-from-home and lifestyle needs.
- Exceptional Community Amenities
Residents enjoy access to the renowned Rancho Santa Margarita Lake, community pools, and trails, all while being located near top-rated schools and local shopping.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =52296, other record lot size in square feet = 1451. Living area discrepancy between mls listing and other public or private record. mls listing living area = 1440, other record living area = 1306.
- Reduced Parking Capacity
The conversion of garage space into living area likely limits covered parking and traditional garage storage, which may be a drawback for households with multiple vehicles.
- High Monthly Carrying Costs
With an association fee of $485 per month, the recurring non-mortgage expenses are relatively high, impacting the overall monthly affordability for prospective buyers.
About 26 Montana Del Lago
Walk in and you’ll notice it immediately: light, openness, and a sense of ease throughout 26 Montana Del Lago. Set within the desirable Rancho Santa Margarita community, this home blends comfort, function, and style with a layout designed for real life. Natural light fills the interior, creating an inviting atmosphere from the moment you enter, while an easy indoor flow makes entertaining and relaxing feel effortless. The kitchen anchors the home with generous counter space, ample cabinetry, and a practical connection to the main living and dining areas—perfect for hosting or keeping everyone together. The dual primary suites offers two true retreats with spacious bedrooms, en-suite baths, and closet spaces to match. Additional converted garage space provides flexibility for guests, a home office, or a workout space, and the secondary bathroom is thoughtfully positioned for convenience. Outside, enjoy a private patio space ideal for morning coffee, weekend BBQs, or unwinding at the end of the day. Additional highlights include an attached garage, in-home laundry, and smart storage throughout. Located close to the community pool, parks, trails, shopping, dining, and top-rated schools—plus access to Rancho Santa Margarita’s Lake renowned community amenities—this home offers the lifestyle you want in a location you’ll love.
Property Details
Public Facts
- Property Type
- Townhouse
- Year Built
- 1990
- Lot Size
- 52,296 Sq. Ft.
Interior
- Total Bedrooms
- 2
- Total Bathrooms
- 3 (3 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $485.0 / Month
Neighborhood Insights
Rancho Santa Margarita Unified Schools
Trabuco Mesa Elementary School
Grades PK-6 • 0.5 mi
Rancho Santa Margarita Intermediate School
Grades 7-8 • 0.3 mi
Trabuco Hills High School
Grades 9-12 • 3.8 mi
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 2.0 | 3.0 | 47% |
| Baths | 3.0 | 3.0 | 50% |
| Square foot | 1,440 | 1,440 | 50% |
| Lot Size | 52,296 | 19,943 | 58% |
| Price | $749.0K | $890.0K | 5% |
| Price per sq ft | $520 | $595 | 11% |
| Built year | 1990 | 1993 | 37% |
| HOA | $485.0 | $425 | 79% |
| Days on market | 25 | 166 | 11% |
Pricing History
Listed for Sale
Feb 10, 2026
$749,000
Initial Listing
Sold
Jan 29, 2015
$410,000
Public Record
Sold
May 15, 1998
$151,000
Public Record
























