10 San Tomas, Rancho Santa Margarita, CA 92688
- 3 beds
- 3 baths
- 2,045 sq ft
- 4,680 sq ft lot
- Built 1989
$1,349,000
Est. $9,033/mo with 20% down, 30-year fixed
$660 a sq ft against a $635 Rancho Santa Margarita median. Ask how it comparesSubdivision Arroyo Vista
Open house
Open Houses
The home
About 10 San Tomas
PROFESSIONAL PHOTOS TO COME! Welcome to 10 San Tomas, a beautifully updated, move-in-ready home tucked away on a quiet cul-de-sac in Rancho Santa Margarita's desirable Arroyo Vista community, within the highly rated Capistrano Unified School District. Offering 2,045 sq. ft., 3 bedrooms, 2.5 baths, and a 3-car garage, this spacious residence impresses with soaring vaulted ceilings, abundant natural light, and an inviting, open floor plan. The updated kitchen features a charming breakfast nook and flows effortlessly into the dining and living areas, where a cozy fireplace creates the perfect gathering space. Upstairs, the generous primary suite offers vaulted ceilings, a walk-in closet, and a beautifully remodeled ensuite bathroom. Two additional bedrooms and a spacious loft provide flexibility for a home office, playroom, or second living area. The loft also offers potential for conversion to a fourth bedroom. Step outside to a private backyard with no rear neighbors, room for gardening, and a BBQ area ideal for dining and entertaining. Fresh interior paint, new carpet, thoughtful improvements throughout, and solar add to the home's move-in-ready appeal. Arroyo Vista residents enjoy their own neighborhood pool plus access to SAMLARC amenities, including parks, pools, tennis courts, and scenic trails. Enjoy convenient proximity to Rancho Santa Margarita Lake, Tijeras Creek Golf Club, O'Neill Regional Park, shopping, and dining. Nearby schools include Arroyo Vista Elementary, Arroyo Vista Middle, and Tesoro High School.
Property details for 10 San Tomas
This 3-bedroom, 3-bath single-family home sits in the Arroyo Vista neighborhood of Rancho Santa Margarita in Orange County. It has 2,045 square feet of living space on a 4,680-square-foot lot and is listed at $1,349,000, about $660 per square foot. The home was built in 1989. The MLS record lists the assessor parcel number as 805-161-33. Highlights include a community pool, a fireplace, an attached three-car garage, and central air.
Photographs
Photos of 10 San Tomas, Rancho Santa Margarita
Specifications
Home Details
General Features
- Property Type
- Single Family Residence
- MLS Number
- 260026205 SD
- Year Built
- 1989
- Living Area (sq ft)
- 2,045
- Living Area Source
- Assessor
- Lot Size (sq ft)
- 4,680
- Lot Size (acres)
- 0.1074
- Levels
- Two
- Bedrooms
- 3
- Full Baths
- 2
- Half Baths
- 1
- Garage Spaces
- 3
- Parking Spaces
- 6
- HOA Dues
- $171
- HOA Frequency
- Monthly
- HOA Name
- Arroyo Vista
- Parcel Number
- 80516133
- On Market Date
- 2026-11-07
- Listing Terms
- Standard
Interior Features
- Interior Features
- All Bedrooms Up, Walk In Closets
- Appliances
- Dishwasher, Gas Cooktop, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator
- Heating
- Forced Air, Natural Gas, Solar
- Cooling
- Central Air, Whole House Fan
- Fireplace
- Living Room
- Laundry
- Gas Dryer Hookup, Laundry Room
- Rooms
- Other, Primary Bedroom, Laundry, Bedroom, Kitchen, Living Room, Family Room, Primary Bathroom
Exterior Features
- Roof
- Concrete
- Construction
- Stucco
- Parking
- Driveway
- Fencing
- Glass, Stucco Wall
- Pool Features
- Community
- Water
- Public
Community Features
- Community Features
- Pool
Added by Realatrends Real Estate
- Neighborhood
- Arroyo Vista (AV), from this property's earlier MLS listings
The record
Property History for 10 San Tomas
| Date | Event | Price | Note |
|---|---|---|---|
| Nov 6, 2026 | Status changed to Active | From Coming Soon | |
| Nov 6, 2026 | Listed for sale | $1,349,000 | |
| Oct 10, 2017 | Sold | $700,000 | Regency Real Estate Brokers |
Added by Realatrends Real Estate
Flood, Fire and Earthquake Zones for 10 San Tomas
We looked up this home's map point in public government maps. These facts are not part of the MLS listing.
Hazard zones
- Flood zone
Zone X, area of minimal flood hazard. Outside FEMA's Special Flood Hazard Area.
FEMA National Flood Hazard Layer, FIRM panel 06059C0338J effective December 3, 2009. Checked October 15, 2026.
- Fire hazard severity zone
Very High Fire Hazard Severity Zone, Local Responsibility Area.
CAL FIRE, State Fire Marshal map for Local Responsibility Areas, March 24, 2025. Checked October 15, 2026.
- Earthquake fault zone
Outside the Alquist-Priolo Earthquake Fault Zones.
California Geological Survey, Earthquake Fault Zones. Checked October 15, 2026.
- Liquefaction zone
Outside the liquefaction zones.
California Geological Survey, Seismic Hazard Zones map, Santiago Peak quadrangle, released December 20, 2002. Checked October 15, 2026.
- Landslide zone
Outside the earthquake-induced landslide zones.
California Geological Survey, Seismic Hazard Zones map, Santiago Peak quadrangle, released December 20, 2002. Checked October 15, 2026.
Internet and charging
- Fixed internet
Cable: Cox Communications, up to 2,000 Mbps, at 90 of 90 residential locations in this census block. DSL: AT&T, up to 100 Mbps, at 89 of 90. Fixed wireless: Verizon, up to 300 Mbps, at 90 of 90.
FCC National Broadband Map, provider-reported data as of December 31, 2025, for census block 060590320343001, not for this address. Not endorsed by the FCC. Checked October 15, 2026.
- EV charging
Nearest public charger 1.2 miles away (Loop, 4 Level 2 ports). 62 public charging ports within 3 miles.
U.S. Department of Energy, Alternative Fuels Data Center. Straight-line distance. Checked October 15, 2026.
These facts are for the listing's map point, which can sit off the lot. A zone line can also cross a lot, and agencies revise their maps. In cities, the fire zone line follows the State Fire Marshal's 2025 map; each city adopts its own map and may add areas. These lines are not a Natural Hazard Disclosure. Check the official maps and the seller's disclosures before you rely on them. Sources for the earthquake zone lines: Reproduced with permission, California Geological Survey, Webservice of Official Maps of Alquist-Priolo Earthquake Fault Zones (2025). Reproduced with permission, California Geological Survey, Webservice of Official Maps of Seismic Hazard Zones (2025).
Official maps
Cost of ownership
Estimated monthly payment
7.18% · 30-yr fixed$
$10,453/mo
10% down · 30-year fixed · $134,900 down
Principal & interest$8,225
Mortgage insurance (est., over 80% LTV)$506
Property tax (est. 1.03%)$1,158
Home insurance (rough est., varies widely)$393
HOA from listing$171
$9,033/mo
20% down · 30-year fixed · $269,800 down
Principal & interest$7,311
Property tax (est. 1.03%)$1,158
Home insurance (rough est., varies widely)$393
HOA from listing$171
$8,119/mo
30% down · 30-year fixed · $404,700 down
Principal & interest$6,397
Property tax (est. 1.03%)$1,158
Home insurance (rough est., varies widely)$393
HOA from listing$171
Estimated carrying cost
$1,722/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$1,158
Home insurance (rough est., varies widely)$393
HOA from listing$171
Estimate only, not a loan offer or quote. Principal and interest use the Freddie Mac 30-year fixed average of 7.18% (week of Nov 5, 2026); your rate will differ. A loan this size is typically a jumbo loan, which prices differently. Tax and insurance are modelled, not billed amounts; tax uses a typical Rancho Santa Margarita rate, excluding Mello-Roos. Verify all figures. Full assumptions and disclosures.
Next steps
Buying 10 San Tomas
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Selling near 10 San Tomas
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The neighborhood
About Rancho Santa Margarita
Rancho Santa Margarita is a master-planned Orange County community in the foothills of the Santa Ana Mountains, bordered to the east by the Cleveland National Forest and centered on the man-made Lago Santa Margarita. Adjacent O'Neill Regional Park spans thousands of acres of oak-shaded canyon habitat, and the city is served by the Saddleback Valley Unified and Capistrano Unified school districts.
Rancho Santa Margarita home sales, past 12 months
- Homes sold
- 250
- Median price
- $1,325,000
- Median days on market
- 15
- Median per sq ft
- $635
Recorded MLS closings of single-family homes, Oct 30, 2025 to Oct 30, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Rancho Santa Margarita sales
At $660 per square foot, this home's asking price is close to the Rancho Santa Margarita median of $635 for single-family homes that closed in the past 12 months.
Recent Rancho Santa Margarita sales
| Address | Closed | Price | Sq ft | Per sq ft | Days on market |
|---|---|---|---|---|---|
| 20811 Shadow Rock | Oct 30, 2026 | $1,521,500 | 2,267 | $671 | 36 |
| 21151 Wood Hollow Lane | Oct 30, 2026 | $1,375,000 | 2,389 | $576 | 40 |
| 30 San Bonifacio | Oct 30, 2026 | $1,025,000 | 1,593 | $643 | 8 |
| 17 Via Belmonte | Oct 28, 2026 | $2,525,000 | 3,775 | $669 | 18 |
| 20752 Raintree | Oct 27, 2026 | $1,595,000 | 2,267 | $704 | 14 |
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Listed by Cameron Harrison of eXp Realty of California, Inc.
Listing information updated Nov 6, 2026 at 1:02 PM PT. Source: CRMLS.
This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. The display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, the Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.