$695,000
3Beds2Baths1,135SqFt
187 Montana Del LagoRancho Santa Margarita, CA 92688Montana del Lago
12 Montana Del Lago Drive 168, Rancho Santa Margarita, CA 92688
- 3 beds
- 2 baths
- 1,344 sq ft
- Built 1992
Subdivision Montana del Lago
5 condos sold in the past 12 months · median $590,000
Open house
Open House
The home
About 12 Montana Del Lago Drive 168
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!
Property details for 12 Montana Del Lago Drive 168
This 3-bedroom, 2-bath condo sits in the Montana del Lago neighborhood of Rancho Santa Margarita in Orange County. It offers 1,344 square feet of living space and is listed at $730,000, about $543 per square foot. The home was built in 1992. The MLS record lists the assessor parcel number as 930-831-31. Highlights include mountain views, a community pool and spa, a fireplace, an attached two-car garage, and central air. The detail sections on this page cover interior and exterior features, estimated taxes, HOA dues where they apply, and the map location.
Specifications
Home Details
At a glance
- Price
- $730,000
- Days On Site
- 122 Days
- Bedrooms
- 3
- Inside Area (SqFt)
- 1,344 sqft
- Total Baths
- 2
- Full Baths
- 2
- Partial Baths
- N/A
- Lot Size
- N/A
- Year Built
- 1992
- MLS® Number
- OC26120243
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $528.93 monthly
- Sq Ft Source
- Assessor
General Features
- Property Type
- Condominium
- MLS Number
- OC26120243
- Year Built
- 1992
- Living Area (sq ft)
- 1,344
- Living Area Source
- Assessor
- Lot Size (sq ft)
- 52,296
- Lot Size (acres)
- 1.2006
- Levels
- Two
- Bedrooms
- 3
- Full Baths
- 2
- Garage Spaces
- 2
- Parking Spaces
- 2
- View
- Mountains, Neighborhood
- HOA Dues
- $528.93
- HOA Frequency
- Monthly
- HOA Name
- Montana Del Lago
- Parcel Number
- 93083131
- On Market Date
- 2026-06-04
- Listing Terms
- Standard
Interior Features
- Interior Features
- Balcony, Ceiling Fans, High Ceilings, Open Floorplan, Tile Counters, All Bedrooms Up
- Appliances
- Dishwasher, Disposal, Gas Oven, Gas Range, Refrigerator
- Flooring
- Laminate, Tile
- Heating
- Central, Fireplaces
- Cooling
- Central Air
- Fireplace
- Gas, Living Room
- Laundry
- Washer Hookup, Gas Dryer Hookup
- Main Level Bedrooms
- 3
- Main Level Bathrooms
- 2
- Entry Level
- 1
- Common Walls
- Two Common Walls Or More
- Rooms
- Primary Bedroom, Bathroom, Kitchen, Laundry, Bedroom, Living Room, Primary Bathroom
Exterior Features
- Roof
- Tile
- Parking
- Direct Access, Garage, Permit Required, One Space
- Fencing
- None
- Pool Features
- Community, Association
- Spa
- Association, Community
- Sewer
- Public Sewer
- Water
- Public
- Units
- 1
Community Features
- Subdivision
- Montana Del Lago (MDL)
- Community Features
- Biking, Fishing, Golf, Hiking, Horse Trails, Lake, Mountainous, Park, Street Lights, Sidewalks, Pool
- Association Amenities
- Meeting Room, Pool, Spa Hot Tub
The record
Property History for 12 Montana Del Lago Drive 168
| Date | Event | Price | Note |
|---|---|---|---|
| Jun 4, 2026 | Relisted | $785,000 |
Cost of ownership
Estimated monthly payment
7.03% · 30-yr fixed$
$6,027/mo
10% down · 30-year fixed · $73,000 down
Principal & interest$4,384
Mortgage insurance (est., over 80% LTV)$274
Property tax (est. 1.03%)$627
Home insurance (rough est., varies widely)$213
HOA from listing$529
$5,266/mo
20% down · 30-year fixed · $146,000 down
Principal & interest$3,897
Property tax (est. 1.03%)$627
Home insurance (rough est., varies widely)$213
HOA from listing$529
$4,779/mo
30% down · 30-year fixed · $219,000 down
Principal & interest$3,410
Property tax (est. 1.03%)$627
Home insurance (rough est., varies widely)$213
HOA from listing$529
Estimated carrying cost
$1,369/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$627
Home insurance (rough est., varies widely)$213
HOA from listing$529
Estimate only, not a loan offer or quote. Principal and interest use the Freddie Mac 30-year fixed average of 7.03% (week of Sep 24, 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 12 Montana Del Lago Drive 168
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Selling near 12 Montana Del Lago Drive 168
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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.
Montana del Lago home sales, past 12 months
- Homes sold
- 5
- Median price
- $590,000
- Median days on market
- 33
- Median per sq ft
- $621
Recorded MLS closings of condos, Sep 27, 2025 to Sep 27, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Montana del Lago sales
At $543 per square foot, this home's asking price is 13% below the Montana del Lago median of $621 for condos that closed in the past 12 months.
Recent Montana del Lago sales
| Address | Closed | Price | Sq ft | Per sq ft | Days on market |
|---|---|---|---|---|---|
| 82 Montana Del Lago | Aug 27, 2026 | $550,000 | 886 | $621 | 16 |
| 80 Montana Del Lago Drive | Jul 13, 2026 | $575,000 | 827 | $695 | 45 |
| 92 Montana Del Lago | Mar 17, 2026 | $664,322 | 1,131 | $587 | 7 |
| 145 Montana Del Lago | Jan 28, 2026 | $590,000 | 886 | $666 | 50 |
| 28 Montana Del Lago | Jan 12, 2026 | $735,000 | 1,440 | $510 | 33 |
Location
Location
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Listed by Joseph Chow of Redfin
Listing information updated Oct 3, 2026 at 4:16 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.