40 Saint Croix, Laguna Niguel, CA 92677
- 2 beds
- 2 baths
- 1,250 sq ft
- 3,999 sq ft lot
- Built 1987
$1,275,000
Subdivision Mariners Bluff
8 single-family homes sold in the past 12 months · median $1,260,000
The home
About 40 Saint Croix
Model-perfect one-level living in Mariners Bluff. This remodeled two-bedroom, two-bath home sits on a quiet street with no homes behind it, and there is not a step in the entire interior. An open floor plan, vaulted ceilings, and natural light make the interior feel extra bright. The living room, with its inviting fireplace, opens to the dining area and kitchen. Reclaimed wood flooring runs throughout this area. Soft-close cabinetry, KitchenAid stainless appliances, new white quartz counters, a new sink and backsplash, and a large peninsula provide the kitchen ample storage and seating for entertaining. The primary bedroom is a quiet retreat with an ensuite bath, dual sink vanity, and a large walk-in shower with dual showerheads, natural limestone walls and pebbled flooring. The second bedroom can work well as a flex space, being utilized as a second bedroom or home office. The adjacent bath has been fully remodeled with contemporary finishes. Newer doors and windows, ceiling fans, and a Dutch front door complete the interior. The garage has an epoxy floor and a new door. The water heater was replaced in 2023 and the house has been repiped with PEX. A gated courtyard and fountain lead to a backyard made for entertaining, with a patio, gas firepit, and a second fountain. The lot looks out to the adjacent hills and the Colinas Ridge Trail, a short walk down the street for hiking, biking, or walking the dog. Dana Point Harbor, the beaches, shopping, restaurants, freeways, and toll roads are all close by. A rare single-level detached home in Mariners Bluff, and is truly move-in ready.
Property details for 40 Saint Croix
This 2-bedroom, 2-bath single-family home sits in the Mariners Bluff neighborhood of Laguna Niguel in Orange County. It offers 1,250 square feet of living space and is listed at $1,275,000, about $1,020 per square foot. The home was built in 1987. The MLS record lists the assessor parcel number as 649-491-07. Highlights include hill views, a fireplace, single-story living, an attached two-car garage, a 3,999-square-foot lot, 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
- $1,275,000
- Days On Site
- New Today
- Bedrooms
- 2
- Inside Area (SqFt)
- 1,250 sqft
- Total Baths
- 2
- Full Baths
- 1
- Partial Baths
- 1
- Lot Size
- 3,999 SqFt
- Year Built
- 1987
- MLS® Number
- OC26216075
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $127 monthly
- Sq Ft Source
- N/A
General Features
- Property Type
- Single Family Residence
- MLS Number
- OC26216075
- Year Built
- 1987
- Living Area (sq ft)
- 1,250
- Lot Size (sq ft)
- 4,000
- Lot Size (acres)
- 0.0918
- Levels
- One
- Bedrooms
- 2
- Full Baths
- 1
- Garage Spaces
- 2
- Parking Spaces
- 4
- View
- Hills
- HOA Dues
- $127
- HOA Frequency
- Monthly
- HOA Name
- Mariners Bluff
- Parcel Number
- 64949107
- On Market Date
- 2026-10-08
- Listing Terms
- Standard
Interior Features
- Interior Features
- Beamed Ceilings, Ceiling Fans, Separate Formal Dining Room, Eat In Kitchen, High Ceilings, Open Floorplan, All Bedrooms Down, Bedroom On Main Level, Main Level Primary
- Appliances
- Double Oven, Disposal, Refrigerator, Water Heater
- Flooring
- See Remarks, Wood
- Heating
- Central
- Cooling
- Central Air
- Fireplace
- Family Room
- Laundry
- In Garage
- Main Level Bedrooms
- 2
- Main Level Bathrooms
- 2
- Entry Level
- 1
- Common Walls
- No Common Walls
- Windows
- Double Pane Windows
- Accessibility
- No Stairs
- Rooms
- Bedroom, Bathroom, Kitchen, Dining Room, Primary Bedroom
Exterior Features
- Architectural Style
- Mediterranean, See Remarks
- Roof
- Tile
- Construction
- Stucco
- Foundation
- Slab
- Lot Features
- Back Yard, Front Yard, Sprinkler System, Yard
- Patio and Porch
- Patio, See Remarks
- Parking
- Door Multi, Driveway Level, Garage
- Pool Features
- None
- Spa
- None
- Sewer
- Public Sewer
- Water
- Public
- Utilities
- Electricity Connected, Natural Gas Connected, Water Connected
- Condition
- Updated Remodeled, Turnkey
- Faces
- West
- Units
- 1
Community Features
- Subdivision
- Mariners Bluff (LH) (LHM)
- Community Features
- Biking, Hiking, Sidewalks
- Association Amenities
- Maintenance Grounds, Trails
The record
Property History for 40 Saint Croix
| Date | Event | Price | Note |
|---|---|---|---|
| Oct 8, 2026 | Listed for sale | $1,275,000 | |
| Oct 26, 2023 | Sold | $1,155,000 | JLSI Corp |
| Jun 28, 2017 | Sold | $620,000 | Premier Cal Realty |
Cost of ownership
Estimated monthly payment
7.28% · 30-yr fixed$
$9,901/mo
10% down · 30-year fixed · $127,500 down
Principal & interest$7,851
Mortgage insurance (est., over 80% LTV)$478
Property tax (est. 1.01%)$1,073
Home insurance (rough est., varies widely)$372
HOA from listing$127
$8,551/mo
20% down · 30-year fixed · $255,000 down
Principal & interest$6,979
Property tax (est. 1.01%)$1,073
Home insurance (rough est., varies widely)$372
HOA from listing$127
$7,679/mo
30% down · 30-year fixed · $382,500 down
Principal & interest$6,107
Property tax (est. 1.01%)$1,073
Home insurance (rough est., varies widely)$372
HOA from listing$127
Estimated carrying cost
$1,572/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.01%)$1,073
Home insurance (rough est., varies widely)$372
HOA from listing$127
Estimate only, not a loan offer or quote. Principal and interest use the Freddie Mac 30-year fixed average of 7.28% (week of Oct 1, 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 Laguna Niguel rate, excluding Mello-Roos. Verify all figures. Full assumptions and disclosures.
Next steps
Buying 40 Saint Croix
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Selling near 40 Saint Croix
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The neighborhood
About Laguna Niguel
Set in the San Joaquin Hills between Laguna Beach and Dana Point, Laguna Niguel began in 1959 as one of California's first master-planned communities, laid out along Crown Valley Parkway. The city is served by the Capistrano Unified School District and contains Laguna Niguel Regional Park and its lake.
Mariners Bluff home sales, past 12 months
- Homes sold
- 8
- Median price
- $1,260,000
- Median days on market
- 13
- Median per sq ft
- $851
Recorded MLS closings of single-family homes, Oct 1, 2025 to Oct 1, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Mariners Bluff sales
At $1,020 per square foot, this home's asking price is 20% above the Mariners Bluff median of $851 for single-family homes that closed in the past 12 months.
Recent Mariners Bluff sales
| Address | Closed | Price | Sq ft | Per sq ft | Days on market |
|---|---|---|---|---|---|
| 12 Saint Croix | Aug 3, 2026 | $1,650,000 | 1,832 | $901 | 72 |
| 24 Curacao | Jun 8, 2026 | $1,285,000 | 1,605 | $801 | 6 |
| 4 Saint Martin | Apr 27, 2026 | $1,249,000 | 1,237 | $1,010 | 9 |
| 64 Saint Croix | Apr 21, 2026 | $1,160,000 | 1,250 | $928 | 17 |
| 7 Saint Martin | Mar 10, 2026 | $1,450,000 | 1,885 | $769 | 16 |
Schools
Schools for 40 Saint Croix
As listed in the MLS record. Confirm attendance boundaries with the school district.
- Elementary
- George White
- Middle
- Niguel Hills
- High
- Dana Hills
- District
- Capistrano Unified
Living in Laguna Niguel covers its schools, parks and beaches.
Location
Location
Photographs
Photos of 40 Saint Croix, Laguna Niguel
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Listed by Ben Tate of Compass
Listing information updated Oct 8, 2026 at 2:48 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.