$730,000
3Beds2Baths1,344SqFt
12 Montana Del Lago Drive 168Rancho Santa Margarita, CA 92688Montana del Lago
187 Montana Del Lago, Rancho Santa Margarita, CA 92688
- 3 beds
- 2 baths
- 1,135 sq ft
- Built 1990
Subdivision Montana del Lago
5 condos sold in the past 12 months · median $590,000
The home
About 187 Montana Del Lago
3-BEDROOM CONDO STEPS FROM THE LAKE AND THE COMMUNITY POOL/SPA!!! Soaring ceilings and abundant windows fill the home with natural light, creating an open and airy atmosphere throughout. The open-concept living and dining areas are perfect for everyday living and entertaining, featuring a cozy fireplace as the focal point. Upstairs, the spacious primary suite boasts a walk-in closet and an en-suite bathroom with soaking tub and dual sinks. Two generously sized secondary bedrooms share a full hallway bathroom, offering comfortable accommodations for family or guests.
Brand-new luxury vinyl flooring runs throughout the home, providing a modern look with easy maintenance and pet-friendly durability. The kitchen offers direct access to the oversized two-car tandem garage, which includes laundry hookups and ample storage space.
Residents of Montana Del Lago enjoy resort-style amenities, including the Lago Santa Margarita Beach Club, access to Rancho Santa Margarita Lake, scenic parks, playgrounds, a beautiful walk-in beach lagoon, paddle boats, dock, 4 community pools, and picnic areas. Enjoy picturesque mountain views, lakeside walking trails, nearby hiking and biking paths, and convenient access to shopping, and dining, all within one of Orange County's most desirable master-planned communities.
Property details for 187 Montana Del Lago
This 3-bedroom, 2-bath condo sits in the Montana del Lago neighborhood of Rancho Santa Margarita in Orange County. It offers 1,135 square feet of living space and is listed at $695,000, about $612 per square foot. The home was built in 1990. The MLS record lists the assessor parcel number as 930-830-26. Highlights include a community pool, 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
- $695,000
- Days On Site
- 93 Days
- Bedrooms
- 3
- Inside Area (SqFt)
- 1,135 sqft
- Total Baths
- 2
- Full Baths
- 2
- Partial Baths
- N/A
- Lot Size
- N/A
- Year Built
- 1990
- MLS® Number
- OC26145343
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $734.38 monthly
- Sq Ft Source
- Estimated
General Features
- Property Type
- Condominium
- MLS Number
- OC26145343
- Year Built
- 1990
- Living Area (sq ft)
- 1,135
- Living Area Source
- Estimated
- Lot Size (sq ft)
- 1,311
- Lot Size (acres)
- 0.0301
- Levels
- Multi Split
- Bedrooms
- 3
- Full Baths
- 2
- Garage Spaces
- 2
- Parking Spaces
- 2
- View
- Pool
- HOA Dues
- $643.38
- HOA Frequency
- Monthly
- HOA Name
- Montana Del Lago
- Parcel Number
- 93083026
- On Market Date
- 2026-07-03
- Listing Terms
- Standard
Interior Features
- Interior Features
- All Bedrooms Up, Primary Suite, Walk In Closets
- Cooling
- Central Air
- Fireplace
- Living Room
- Laundry
- In Garage
- Entry Level
- 1
- Common Walls
- Two Common Walls Or More
- Rooms
- Other, Primary Bedroom, Bedroom, Kitchen, Living Room, Primary Bathroom
Exterior Features
- Pool Features
- Community, Fenced, Heated, In Ground, Association
- Sewer
- Public Sewer
- Water
- Public
- Units
- 1
Community Features
- Subdivision
- Montana Del Lago (MDL)
- Community Features
- Biking, Curbs, Fishing, Lake, Park, Street Lights, Sidewalks, Water Sports, Pool
- Association Amenities
- Clubhouse, Sport Court, Dock, Fire Pit, Maintenance Grounds, Outdoor Cooking Area, Barbecue, Picnic Area, Playground, Pool, Pets Allowed, Spa Hot Tub, Trails, Trash
- Second HOA Dues
- $91
- Second HOA Name
- SAMLARC
The record
Property History for 187 Montana Del Lago
| Date | Event | Price | Note |
|---|---|---|---|
| Jul 3, 2026 | Listed for sale | $799,000 |
Cost of ownership
Estimated monthly payment
7.03% · 30-yr fixed$
$5,969/mo
10% down · 30-year fixed · $69,500 down
Principal & interest$4,174
Mortgage insurance (est., over 80% LTV)$261
Property tax (est. 1.03%)$597
Home insurance (rough est., varies widely)$203
HOA from listing$734
$5,244/mo
20% down · 30-year fixed · $139,000 down
Principal & interest$3,710
Property tax (est. 1.03%)$597
Home insurance (rough est., varies widely)$203
HOA from listing$734
$4,781/mo
30% down · 30-year fixed · $208,500 down
Principal & interest$3,247
Property tax (est. 1.03%)$597
Home insurance (rough est., varies widely)$203
HOA from listing$734
Estimated carrying cost
$1,534/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$597
Home insurance (rough est., varies widely)$203
HOA from listing$734
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 187 Montana Del Lago
Want to see 187 Montana Del Lago in person? We have guided buyers through Montana del Lago and the wider Rancho Santa Margarita market since 1983. Call to arrange a private tour, or send a note and we'll follow up.
Selling near 187 Montana Del Lago
Thinking of selling nearby? We bring current Montana del Lago sales data and a clear pricing strategy to every listing, backed by more than 700 closed sales and over $1B in Orange County volume. Start with a free home valuation, or reach out to talk through your options.
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 $612 per square foot, this home's asking price is close to 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 |
Schools
School District for 187 Montana Del Lago
As listed in the MLS record. Confirm attendance boundaries with the school district.
The MLS record lists the school district as Saddleback Valley Unified.
Living in Rancho Santa Margarita covers its schools, parks and beaches.
Location
Location
Nearby listings
Similar Homes for Sale in Rancho Santa Margarita
$1,099,000
4Beds3Baths1,603SqFt
237 Montana del Lago DriveRancho Santa Margarita, CA 92688Montana del Lago
$695,000
2Beds2Baths1,110SqFt
103 Camino Del OroRancho Santa Margarita, CA 92688Cabo Vista
$698,999
2Beds2Baths1,128SqFt
55 Via CordobaRancho Santa Margarita, CA 92688Corte Melina
$699,000
2Beds2Baths1,079SqFt
14 Via EntradaRancho Santa Margarita, CA 92688Candelero
$699,800
2Beds2Baths1,032SqFt
229 Pasto RicoRancho Santa Margarita, CA 92688Serabrisa
$699,900
2Beds2Baths1,117SqFt
140 Via ContentoRancho Santa Margarita, CA 92688Tijeras Creek Villas
Rancho Santa MargaritaSee every home for sale in Rancho Santa MargaritaJust listed
Newest Rancho Santa Margarita Homes for Sale
Explore
Explore Rancho Santa Margarita Real Estate
See every home for sale in Rancho Santa Margarita, or search the full Orange County MLS on our live homes search. Questions about 187 Montana Del Lago? Talk to Realatrends.
Explore Orange County
Browse Homes by City
Listing alerts
Be first to see new Rancho Santa Margarita listings
What criteria are you looking for?
New Rancho Santa Margarita homes by email, often before they reach the big portals.
You are all set.
Listed by Samantha Dowd of Platinum Tree Realty
Listing information updated Sep 30, 2026 at 1:42 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.