3 Sembrado, Rancho Santa Margarita, CA 92688
- 5 beds
- 5 baths
- 4,307 sq ft
- 5,998 sq ft lot
- Built 1990
$1,849,999
Subdivision Montilla
The home
About 3 Sembrado
Welcome to this beautifully designed 5-bedroom, 4.5-bathroom home offering approximately 4,307 square feet — one of the best values for this much space in South Orange County. Set on a quiet cul-de-sac near award-winning schools, with tasteful upgrades and an expansive floor plan, this home delivers the space, comfort, and lifestyle buyers are looking for, all without compromise. Ask agent about potential seller assist in buying down Buyer's interest rate with acceptable offer.
Custom iron doors open to a grand entry that flows into a spacious formal living room and formal dining room. Crown molding, recessed lighting, plantation shutters, and elevated baseboards add a polished feel throughout.
The open kitchen is designed for everyday living and effortless entertaining, with stainless steel appliances, double ovens, a center island, and a layout that opens directly to the family room — perfect for holidays, dinner parties, or casual nights at home.
A standout feature of this home is its flexibility: with three separate ensuite bedrooms, it's ideally suited for multi-generational living, visiting guests, or anyone who wants extra privacy built in. The main level offers a bedroom with its own upgraded ensuite bathroom, perfect for guests or family members who prefer to avoid stairs, plus a guest bathroom and dedicated laundry room.
Upstairs, a massive open loft offers endless flexibility for a second living area, playroom, or home office. A second ensuite bedroom has its own private upgraded bathroom with subway tile and an upgraded vanity, while the two remaining secondary bedrooms share a beautifully upgraded bathroom a subway-tiled shower.
The expansive primary suite feels like a true retreat, with a cozy fireplace, generous sitting area, walk-in closets, and upgraded vanities — spacious, private, and the place you'll look forward to escaping to at the end of the day.
For added comfort and peace of mind, the home has been completely repiped, includes a whole house fan, and features an owned 28-panel solar system that helps reduce electricity costs.
Enjoy a private backyard along the hillside and three citrus trees in front. This home also includes access to resort-style community amenities, including four Olympic-sized swimming pools, the RSM Beach Club swim lagoon, sport courts, parks, and trails.
Simply put — this is an extraordinary amount of home, in an unbeatable location, at a value that's hard to find anywhere else in South Orange County.
Property details for 3 Sembrado
This 5-bedroom, 5-bath single-family home sits in the Montilla neighborhood of Rancho Santa Margarita in Orange County. It offers 4,307 square feet of living space and is listed at $1,849,999, about $430 per square foot. The home was built in 1990. The MLS record lists the assessor parcel number as 805-351-51. Highlights include a community pool and spa, a fireplace, an attached three-car garage, a 5,998-square-foot lot, central air, and an updated home. 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
- $1,849,999
- Days On Site
- 88 Days
- Bedrooms
- 5
- Inside Area (SqFt)
- 4,307 sqft
- Total Baths
- 5
- Full Baths
- 4
- Partial Baths
- 1
- Lot Size
- 5,998 SqFt
- Year Built
- 1990
- MLS® Number
- OC26153303
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $284.43 monthly
- Sq Ft Source
- Assessor
General Features
- Property Type
- Single Family Residence
- MLS Number
- OC26153303
- Year Built
- 1990
- Builder
- JM Peters
- Builder Model
- Montilla
- Living Area (sq ft)
- 4,307
- Living Area Source
- Assessor
- Lot Size (sq ft)
- 6,000
- Lot Size (acres)
- 0.1377
- Levels
- Two
- Bedrooms
- 5
- Full Baths
- 4
- Half Baths
- 1
- Garage Spaces
- 3
- Parking Spaces
- 6
- View
- Park Greenbelt
- HOA Dues
- $193.43
- HOA Frequency
- Monthly
- HOA Name
- Montilla
- Parcel Number
- 80535151
- On Market Date
- 2026-07-21
- Listing Terms
- Standard
Interior Features
- Interior Features
- Breakfast Bar, Balcony, Breakfast Area, Ceiling Fans, Crown Molding, Separate Formal Dining Room, Eat In Kitchen, Granite Counters, Quartz Counters, Recessed Lighting, Storage, Bedroom On Main Level, Primary Suite, Walk In Closets
- Appliances
- Six Burner Stove, Double Oven, Dishwasher, Electric Oven, Disposal, Gas Range, Microwave, Refrigerator, Water Heater
- Flooring
- Carpet, Tile, Wood
- Heating
- Forced Air, Fireplaces
- Cooling
- Central Air
- Fireplace
- Decorative, Family Room, Living Room, Masonry, Primary Bedroom
- Laundry
- Washer Hookup, Electric Dryer Hookup, Gas Dryer Hookup, Inside, Laundry Room
- Main Level Bedrooms
- 1
- Main Level Bathrooms
- 2
- Entry Level
- 1
- Common Walls
- No Common Walls
- Windows
- Double Pane Windows, Plantation Shutters, Screens
- Doors
- Double Door Entry, French Doors, Mirrored Closet Doors, Panel Doors
- Rooms
- Entry Foyer, Primary Bedroom, Bathroom, Kitchen, Dining Room, Other, Laundry, Bonus Room, Living Room, Bedroom, Family Room
Exterior Features
- Architectural Style
- Mediterranean
- Exterior Features
- Rain Gutters
- Roof
- Tile
- Construction
- Stucco
- Foundation
- Slab
- Lot Features
- Back Yard, Cul De Sac, Front Yard, Sprinklers In Rear, Sprinklers In Front, Landscaped, Sprinklers On Side, Sprinkler System, Yard
- Patio and Porch
- Brick, Concrete, Patio
- Parking
- Concrete, Door Multi, Direct Access, Driveway, Garage, Garage Door Opener
- Fencing
- Stucco Wall, Wrought Iron
- Pool Features
- Community, Gunite, Heated, In Ground, Association
- Spa
- Association, Community, Gunite, Heated, In Ground
- Sewer
- Public Sewer
- Water
- Public
- Utilities
- Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Underground Utilities, Water Connected
- Condition
- Updated Remodeled
- Units
- 1
Community Features
- Subdivision
- Montilla (MNT)
- Community Features
- Biking, Curbs, Dog Park, Foothills, Fishing, Golf, Gutters, Hiking, Lake, Park, Storm Drains, Street Lights, Suburban, Sidewalks, Pool
- Association Amenities
- Sport Court, Meeting Room, Outdoor Cooking Area, Barbecue, Picnic Area, Playground, Pickleball, Pool, Spa Hot Tub, Tennis Courts, Trails
- Security
- Carbon Monoxide Detectors, Smoke Detectors
- Second HOA Dues
- $91
The record
Property History for 3 Sembrado
| Date | Event | Price | Note |
|---|---|---|---|
| Oct 2, 2026 | Price reduced | $1,849,999 | From $1,900,000 |
| Sep 14, 2026 | Status changed to Active | From Hold | |
| Sep 7, 2026 | Status changed to Hold | From Pending | |
| Aug 10, 2026 | Status changed to Pending | From Active | |
| Jul 21, 2026 | Status changed to Active | From Coming Soon | |
| Jul 21, 2026 | Relisted | $1,900,000 |
No prior MLS sales on record for this home since 2012.
Added by Realatrends Real Estate
Flood, Fire and Earthquake Zones for 3 Sembrado
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 06059C0451J effective December 3, 2009. Checked October 15, 2026.
- Fire hazard severity zone
Moderate 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, Canada Gobernadora quadrangle, released September 23, 2002. Checked October 15, 2026.
- Landslide zone
Outside the earthquake-induced landslide zones.
California Geological Survey, Seismic Hazard Zones map, Canada Gobernadora quadrangle, released September 23, 2002. Checked October 15, 2026.
Internet and charging
- Fixed internet
Fiber: Cox Communications, up to 2,000 Mbps, at 7 of 109 residential locations in this census block. Cable: Cox Communications, up to 2,000 Mbps, at 101 of 109. DSL: AT&T, up to 75 Mbps, at 108 of 109.
FCC National Broadband Map, provider-reported data as of December 31, 2025, for census block 060590320531007, not for this address. Not endorsed by the FCC. Checked October 15, 2026.
- EV charging
Nearest public charger 1.2 miles away (Loop, 7 Level 2 ports). 44 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
7.40% · 30-yr fixed$
$14,634/mo
10% down · 30-year fixed · $185,000 down
Principal & interest$11,528
Mortgage insurance (est., over 80% LTV)$694
Property tax (est. 1.03%)$1,588
Home insurance (rough est., varies widely)$540
HOA from listing$284
$12,659/mo
20% down · 30-year fixed · $370,000 down
Principal & interest$10,247
Property tax (est. 1.03%)$1,588
Home insurance (rough est., varies widely)$540
HOA from listing$284
$11,378/mo
30% down · 30-year fixed · $555,000 down
Principal & interest$8,966
Property tax (est. 1.03%)$1,588
Home insurance (rough est., varies widely)$540
HOA from listing$284
Estimated carrying cost
$2,412/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$1,588
Home insurance (rough est., varies widely)$540
HOA from listing$284
Estimate only, not a loan offer or quote. Principal and interest use the Freddie Mac 30-year fixed average of 7.40% (week of Oct 15, 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 3 Sembrado
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Selling near 3 Sembrado
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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
- 260
- Median price
- $1,325,000
- Median days on market
- 16
- Median per sq ft
- $633
Recorded MLS closings of single-family homes, Oct 10, 2025 to Oct 10, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Rancho Santa Margarita sales
At $430 per square foot, this home's asking price is 32% below the Rancho Santa Margarita median of $633 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 |
|---|---|---|---|---|---|
| 11 Willowglade | Oct 8, 2026 | $2,310,000 | 3,376 | $684 | 0 |
| 29 Raposa | Oct 6, 2026 | $1,319,000 | 1,977 | $667 | 8 |
| 22 Lazurite | Oct 2, 2026 | $1,100,000 | 2,004 | $549 | 67 |
| 37 Sendero | Oct 2, 2026 | $1,360,000 | 2,261 | $602 | 90 |
| 32991 Pinnacle | Sep 28, 2026 | $1,785,000 | 2,849 | $627 | 4 |
Schools
Schools for 3 Sembrado
As listed in the MLS record. Confirm attendance boundaries with the school district.
- Elementary
- Arroyo Vista
- High
- Tesoro
- District
- Capistrano Unified
Living in Rancho Santa Margarita covers its schools, parks and beaches.
Location
Location
Photographs
Photos of 3 Sembrado, Rancho Santa Margarita
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Listed by Jim Bishop of Berkshire Hathaway HomeService
Listing information updated Oct 17, 2026 at 4:45 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.