18 Montana Del Lago, Rancho Santa Margarita, CA 92688
- 2 beds
- 2 baths
- 827 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 18 Montana Del Lago
Welcome to 18 Montana Del Lago. Beautifully updated and move-in ready, this two-bedroom, two-bath condo in the desirable Montana Del Lago community offers a thoughtfully designed two-level floor plan with a bedroom and full bath on each level—providing flexibility and privacy for guests, a home office, or everyday living.
The light and bright lower level features new luxury vinyl plank flooring and a beautifully updated kitchen with contemporary cabinetry, stainless steel appliances, and a generous pantry. Upstairs, newer carpeting creates a comfortable retreat, while the updated bath features a newly finished walk-in shower. All-new windows add to the home’s fresh, updated feel.
Storage is plentiful throughout, and an inside stackable washer and dryer adds everyday convenience. Step outside to your private patio, an inviting space for morning coffee, barbecuing, outdoor dining, or entertaining. A private one-car garage with a new garage door opener provides secure parking and additional storage.
Purchased and extensively updated by the current owners in 2022, the home has been used only as a second residence and has been exceptionally lightly lived in.
The location is equally appealing. Enjoy the convenience of being just a short walk from the lake, shopping and dining, and nearby trails and recreation. In addition to the Montana Del Lago community pool, residents also enjoy the extensive SAMLARC amenities, including the Beach Club and Lagoon, four Jr. Olympic-sized pools, 13 parks, playgrounds, picnic and sports facilities, miles of trails, and year-round community events. Turnkey, thoughtfully upgraded, and ideally located, this is an exceptional opportunity to enjoy the Rancho Santa Margarita lifestyle.
Property details for 18 Montana Del Lago
This 2-bedroom, 2-bath condo sits in the Montana del Lago neighborhood of Rancho Santa Margarita in Orange County. It offers 827 square feet of living space and is listed at $569,995, about $689 per square foot. The home was built in 1992. The MLS record lists the assessor parcel number as 930-831-26. Highlights include a community pool, a fireplace, a one-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
- $569,995
- Days On Site
- 4 Days
- Bedrooms
- 2
- Inside Area (SqFt)
- 827 sqft
- Total Baths
- 2
- Full Baths
- 2
- Partial Baths
- N/A
- Lot Size
- N/A
- Year Built
- 1992
- MLS® Number
- OC26218211
- Status
- Active
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $697 monthly
- Sq Ft Source
- PublicRecords
General Features
- Property Type
- Condominium
- MLS Number
- OC26218211
- Year Built
- 1992
- Living Area (sq ft)
- 827
- Living Area Source
- Public Records
- Lot Size (sq ft)
- 52,296
- Lot Size (acres)
- 1.2006
- Levels
- Two
- Bedrooms
- 2
- Full Baths
- 2
- Garage Spaces
- 1
- Parking Spaces
- 1
- View
- Neighborhood
- HOA Dues
- $606
- HOA Frequency
- Monthly
- HOA Name
- Montana del Lago
- Parcel Number
- 93083126
- On Market Date
- 2026-10-07
- Listing Terms
- Standard, Trust
Interior Features
- Interior Features
- Breakfast Bar, Breakfast Area, Ceiling Fans, Pantry, Partially Furnished, Recessed Lighting, Bedroom On Main Level, Main Level Primary, Multiple Primary Suites
- Appliances
- Built In Range, Dishwasher, Disposal, Microwave, Refrigerator, Dryer, Washer
- Flooring
- Laminate
- Heating
- Central
- Cooling
- Central Air
- Fireplace
- Living Room
- Laundry
- Inside, Laundry Closet, Stacked
- Main Level Bedrooms
- 1
- Main Level Bathrooms
- 1
- Entry Level
- 1
- Common Walls
- Two Common Walls Or More
- Windows
- Double Pane Windows, Plantation Shutters, Screens
- Accessibility
- None
- Rooms
- Primary Bedroom, Bathroom, Kitchen, Living Room, Bedroom
Exterior Features
- Architectural Style
- Mediterranean
- Roof
- Common Roof
- Lot Features
- Near Park
- Patio and Porch
- Patio
- Parking
- Door Single, Garage, Guest, On Site, Permit Required
- Pool Features
- Association
- Sewer
- Public Sewer
- Water
- Public
- Utilities
- Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
- Condition
- Updated Remodeled
- Units
- 124
Community Features
- Subdivision
- Montana Del Lago (MDL)
- Community Features
- Biking, Foothills, Fishing, Hiking, Lake, Street Lights, Suburban, Sidewalks, Water Sports, Park
- Association Amenities
- Management, Playground, Pool, Recreation Room, Trails
- Second HOA Dues
- $91
- Second HOA Name
- SAMLARC
The record
Property History for 18 Montana Del Lago
| Date | Event | Price | Note |
|---|---|---|---|
| Oct 7, 2026 | Listed for sale | $569,995 | |
| Apr 4, 2022 | Sold | $565,000 | RE/MAX TerraSol |
| Jun 27, 2013 | Sold | $240,000 | Re/Max Signature Services |
Cost of ownership
Estimated monthly payment
7.28% · 30-yr fixed$
$5,076/mo
10% down · 30-year fixed · $57,000 down
Principal & interest$3,510
Mortgage insurance (est., over 80% LTV)$214
Property tax (est. 1.03%)$489
Home insurance (rough est., varies widely)$166
HOA from listing$697
$4,472/mo
20% down · 30-year fixed · $113,999 down
Principal & interest$3,120
Property tax (est. 1.03%)$489
Home insurance (rough est., varies widely)$166
HOA from listing$697
$4,082/mo
30% down · 30-year fixed · $170,999 down
Principal & interest$2,730
Property tax (est. 1.03%)$489
Home insurance (rough est., varies widely)$166
HOA from listing$697
Estimated carrying cost
$1,352/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$489
Home insurance (rough est., varies widely)$166
HOA from listing$697
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 Rancho Santa Margarita rate, excluding Mello-Roos. Verify all figures. Full assumptions and disclosures.
Next steps
Buying 18 Montana Del Lago
Want to see 18 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 18 Montana Del Lago
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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, Oct 4, 2025 to Oct 4, 2026. Days on market run from listing to going under contract.
Price per square foot against recent Montana del Lago sales
At $689 per square foot, this home's asking price is 11% above 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 |
See the 3 other homes for sale Rancho Santa Margarita housing market
Schools
Schools for 18 Montana Del Lago
As listed in the MLS record. Confirm attendance boundaries with the school district.
- Elementary
- Trabuco Mesa
- 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 Jennifer Carey of Berkshire Hathaway HomeService
Listing information updated Oct 11, 2026 at 4:26 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.