92 Montana Del Lago, Rancho Santa Margarita, California 92688, Rancho Santa Margarita, 92688 - 3 bed, 2 bath
92 Montana Del Lago
Rancho Santa Margarita, California 92688
Property Price
SUMMARY
Analysis of 92 Montana Del Lago, Rancho Santa Margarita, California 92688 is currently available with a list price of $649,000. The property maintains a Good Condition Rating (78/100), reflecting solid structural condition with well-maintained systems. The property presents an attractive opportunity for buyers seeking a move-in ready home. 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 move-in ready.
The property is move-in ready and well-maintained, featuring several modern updates that exceed its 1993 build year. Key improvements include fresh designer paint, updated luxury vinyl plank flooring, and a kitchen equipped with sleek stainless steel appliances and stone countertops. The addition of an EV charger and a dedicated office space reflects contemporary standards. While not a full recent 'gut' renovation, the home shows minimal wear and tear with functional, updated systems.
PROSSTRENGTHS & OPPORTUNITIES
- Prime Resort Location
The property is perfectly situated just steps from the Rancho Santa Margarita Lake and Beach Club, offering residents unparalleled access to premium resort-style amenities and outdoor recreation.
- Modern Functional Upgrades
Equipped with a garage EV charger and a dedicated private office space, this home is specifically tailored to meet the demands of modern remote professionals and eco-conscious buyers.
- Architectural Volume
Soaring ceilings and an open-concept family room paired with abundant natural light create an expansive, airy atmosphere that enhances the home's interior appeal.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Lot size discrepancy between mls listing and other public or private record. mls listing lot size in square feet =51394, other record lot size in square feet = 1437. Living area discrepancy between mls listing and other public or private record. mls listing living area = 1131, other record living area = 1059. Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 3, other record bedroom count = 2.
- High Association Fees
The monthly HOA fee of $643 is relatively high for this price point, which may impact the overall monthly affordability and debt-to-income ratio for prospective buyers.
- Compact Square Footage
With only 1,131 square feet distributed across three bedrooms, the living spaces and individual rooms may feel restrictive for families requiring more substantial interior volume.
About 92 Montana Del Lago
Experience the sought-after Rancho Santa Margarita lifestyle in the highly coveted community of Montana Del Lago. Perfectly situated just steps from the RSM Lake and Beach Club, this townhouse-style home blends modern convenience with resort-style living. Inside, soaring ceilings and abundant natural light create an airy, expansive feel. The open-concept family room, anchored by a cozy fireplace, serves as the heart of the home—perfect for both quiet evenings and lively gatherings. The interior has been elevated with fresh designer paint and a kitchen featuring sleek stainless steel appliances. Upstairs, the bedrooms offer the luxury of generous walk-in closets. The lower level features a garage equipped with an EV charger and space for a private office—an ideal solution for today’s remote professional. Outside, your private patio awaits for weekend BBQs and alfresco dining.
Property Details
Public Facts
- Property Type
- Condominium
- Year Built
- 1993
- Lot Size
- 51,394 Sq. Ft.
Interior
- Total Bedrooms
- 3
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $643.0 / Month
Neighborhood Insights
Rancho Santa Margarita Unified Schools
Trabuco Mesa Elementary School
Grades PK-6 • 0.4 mi
Rancho Santa Margarita Intermediate School
Grades 7-8 • 0.4 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 | 3.0 | 2.0 | 78% |
| Baths | 2.0 | 2.0 | 50% |
| Square foot | 1,131 | 1,027 | 68% |
| Lot Size | 51,394 | 14,925 | 72% |
| Price | $649.0K | $650.0K | 49% |
| Price per sq ft | $574 | $662 | 15% |
| Built year | 1993 | 1990 | 65% |
| HOA | $643.0 | $452 | 99% |
| Days on market | 32 | 178 | 6% |
Pricing History
Listed for Sale
Feb 3, 2026
$649,000
Initial Listing
Sold
Mar 10, 2020
$490,000
Public Record
Sold
Jul 16, 2012
$251,000
Public Record
Sold
Jul 14, 2004
$443,000
Public Record
Sold
Jun 19, 2002
$277,000
Public Record