$899,888
2Beds2Baths1,368SqFt
11 Calle KatrinaRancho Santa Margarita, CA 92688Marbella
44 Tierra Montanosa, Rancho Santa Margarita, CA 92688
- 3 beds
- 3 baths
- 1,487 sq ft
- Built 1996
The home
About 44 Tierra Montanosa
Melinda Heights, NO ROAD NOISE. PEACEFUL SETTING. Rancho Santa Margarita At Its Best! Review the attached supplements for the full list of upgrades & Watch the 3D tour to see it all come together before you even walk in the door.
This is the ONE! A rare, expansive wrap-around private patio - your own outdoor sanctuary framed by a brick-and-stone planter wall, with a separate gated entrance to the backyard. Room to lounge, entertain, and unwind in complete serenity, with far more private outdoor living space than many in the community. — this home has been renovated top to bottom, and the numbers speak for themselves.
Downstairs, a bedroom suite with its own full bath and laundry opens directly onto that show-stopping patio - perfect for guests, multigenerational living, or a private home office. The kitchen has been fully reimagined with a Bosch 800 Series dishwasher, Samsung smart refrigerator and oven, quartz countertops, and recessed lighting. PLUS a whole-house Filtersorb Puragain water filtration system with a 6-stage alkaline drinking water tap. Every bathroom has been upgraded with sleek, low-flush, single-piece toilets to custom counters with molded sinks!
Upstairs, two stunning primary suites deliver rare flexibility: the first with high ceilings, a closet with custom doors, a custom made shoe closet w/ separate spaces and a spa-like renovated walk-in shower that is a fully tiled European rain shower. Shower and Toilet are separated by a custom barn door. The primary bath also features custom double vanity, and smart mirrors. The second Primary features vaulted ceilings, walk-in closet, its own bath/shower.
The upgrades don't stop there: New luxury lighting throughout, a newer HVAC system, an automatic sprinkler system, a fully installed garage EV charger, and a whole-home Vivint security system — cameras, sensors, and glass-break detection, equipment (paid for).
The HOA has just repainted the exterior, repaved the roads, and replaced the garage doors — the whole community is looking sharp. Step outside your door and into SAMLARC living at its best: 13 parks, sport courts, hiking and biking trails, Saddleback Mountain views, and the beach club at Lake Rancho Santa Margarita. Zoned for award-winning Melinda Heights Elementary and Trabuco Hills High, with shopping and dining just minutes away. No Mello-Roos.
Turnkey. Upgraded top to bottom. New HOA Statement for 2026-2027: HOA FEES REMAIN UNCHANGED!!!
Property details for 44 Tierra Montanosa
This 3-bedroom, 3-bath townhome sits in Rancho Santa Margarita in Orange County. It offers 1,487 square feet of living space and is listed at $899,000, about $605 per square foot. The home was built in 1996. The MLS record lists the assessor parcel number as 938-122-83. Highlights include a community pool and spa, a fireplace, an attached two-car garage, central air, an updated home, and Mediterranean architecture. 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
- $899,000
- Days On Site
- 78 Days
- Bedrooms
- 3
- Inside Area (SqFt)
- 1,487 sqft
- Total Baths
- 3
- Full Baths
- 3
- Partial Baths
- N/A
- Lot Size
- N/A
- Year Built
- 1996
- MLS® Number
- OC26156405
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $607 monthly
- Sq Ft Source
- Estimated
General Features
- Property Type
- Townhouse
- MLS Number
- OC26156405
- Year Built
- 1996
- Living Area (sq ft)
- 1,487
- Living Area Source
- Estimated
- Lot Size (sq ft)
- 29,634
- Lot Size (acres)
- 0.6803
- Levels
- Two
- Bedrooms
- 3
- Full Baths
- 3
- Garage Spaces
- 2
- Parking Spaces
- 2
- View
- Park Greenbelt, Trees Woods
- HOA Dues
- $518
- HOA Frequency
- Monthly
- HOA Name
- Tierra Montanosa Association
- Parcel Number
- 93812283
- On Market Date
- 2026-07-17
- Listing Terms
- Standard
Interior Features
- Interior Features
- Ceiling Fans, Cathedral Ceilings, Separate Formal Dining Room, High Ceilings, Quartz Counters, Recessed Lighting, Bedroom On Main Level, Multiple Primary Suites, Walk In Closets
- Appliances
- Dishwasher, Gas Cooktop, Disposal, Gas Oven, Microwave, Refrigerator, Water To Refrigerator, Water Purifier
- Flooring
- Vinyl
- Heating
- Central
- Cooling
- Central Air
- Fireplace
- Gas, Living Room
- Laundry
- Inside
- Main Level Bedrooms
- 1
- Main Level Bathrooms
- 1
- Entry Level
- 1
- Common Walls
- Two Common Walls Or More
- Windows
- Blinds
- Doors
- Sliding Doors
- Rooms
- Other, Bathroom, Kitchen, Dining Room, Primary Bedroom, Living Room, Bedroom, Primary Bathroom
Exterior Features
- Architectural Style
- Mediterranean
- Roof
- Clay
- Construction
- Stucco
- Foundation
- Slab
- Lot Features
- Zero To One Unit Acre, Sprinkler System
- Patio and Porch
- Brick, Patio, Stone, Wrap Around
- Parking
- Garage
- Fencing
- Good Condition, Stucco Wall, Wrought Iron
- Pool Features
- Community, Association
- Spa
- Community
- Sewer
- Public Sewer
- Water
- Public
- Utilities
- Cable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
- Condition
- Updated Remodeled
- Faces
- South
- Units
- 1
Community Features
- Community Features
- Biking, Curbs, Foothills, Golf, Hiking, Park, Sidewalks, Pool
- Association Amenities
- Sport Court, Playground, Pickleball, Pool, Spa Hot Tub, Tennis Courts
- Security
- Security System, Carbon Monoxide Detectors, Smoke Detectors
- Second HOA Dues
- $89
- Second HOA Name
- SAMLARC
The record
Property History for 44 Tierra Montanosa
| Date | Event | Price | Note |
|---|---|---|---|
| Jul 17, 2026 | Listed for sale | $929,900 |
Cost of ownership
Estimated monthly payment
7.03% · 30-yr fixed$
$7,377/mo
10% down · 30-year fixed · $89,900 down
Principal & interest$5,399
Mortgage insurance (est., over 80% LTV)$337
Property tax (est. 1.03%)$772
Home insurance (rough est., varies widely)$262
HOA from listing$607
$6,440/mo
20% down · 30-year fixed · $179,800 down
Principal & interest$4,799
Property tax (est. 1.03%)$772
Home insurance (rough est., varies widely)$262
HOA from listing$607
$5,840/mo
30% down · 30-year fixed · $269,700 down
Principal & interest$4,199
Property tax (est. 1.03%)$772
Home insurance (rough est., varies widely)$262
HOA from listing$607
Estimated carrying cost
$1,641/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$772
Home insurance (rough est., varies widely)$262
HOA from listing$607
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 44 Tierra Montanosa
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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
- 47
- Median price
- $879,000
- Median days on market
- 20
- Median per sq ft
- $604
Recorded MLS closings of townhomes, Sep 26, 2025 to Sep 26, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Rancho Santa Margarita sales
At $605 per square foot, this home's asking price is close to the Rancho Santa Margarita median of $604 for townhomes that closed in the past 12 months.
Recent Rancho Santa Margarita sales
| Address | Closed | Price | Sq ft | Per sq ft | Days on market |
|---|---|---|---|---|---|
| 6 Colibri | Aug 31, 2026 | $915,000 | 1,531 | $598 | 3 |
| 95 Pasto Rico | Aug 28, 2026 | $825,000 | 1,329 | $621 | 36 |
| 229 Seacountry | Aug 28, 2026 | $860,000 | 1,541 | $558 | 204 |
| 14 Brisa Ribera | Aug 26, 2026 | $700,000 | 922 | $759 | 32 |
| 155 Seacountry | Aug 13, 2026 | $725,000 | 1,080 | $671 | 12 |
Schools
Schools for 44 Tierra Montanosa
As listed in the MLS record. Confirm attendance boundaries with the school district.
- Elementary
- Melinda Heights
- Middle
- Rancho Santa Margarita
- High
- Trabucco Hills
- District
- Saddleback Valley Unified
Living in Rancho Santa Margarita covers its schools, parks and beaches.
Location
Location
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Listed by Kraig Enyeart of eXp Realty of California Inc
Listing information updated Sep 27, 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.