$1,200,000
3Beds3Baths1,857SqFt
4 Velarde CourtRancho Santa Margarita, CA 92688Cabrillo Vista
17 Monticello Lane, Rancho Santa Margarita, CA 92688
- 4 beds
- 3 baths
- 1,597 sq ft
- 2,740 sq ft lot
- Built 1997
$1,050,000
Subdivision Cabrillo Vista
The home
About 17 Monticello Lane
Welcome to 17 Monticello, a beautifully refreshed 4-bedroom, 3-bathroom home in the desirable community of Rancho Santa Margarita. Offering approximately 1,600 square feet of living space, this home combines comfort, functionality, and modern updates for today’s lifestyle.
Step inside to a light and inviting interior featuring **newer hard-surface flooring throughout and a fresh coat of modern paint**, creating a clean, contemporary feel. The open-concept kitchen is designed for both everyday living and entertaining, with granite countertops, a center island, and stainless-steel appliances.
Upstairs, the versatile floor plan offers three bedrooms plus a spacious loft that can be used as an office, playroom, or easily converted to a fourth bedroom to fit your needs. The primary suite provides a relaxing retreat with an updated bathroom and comfortable space to unwind.
Enjoy seamless indoor-outdoor living through the French doors leading to the private backyard, where mature planters and a fire pit create an inviting setting for gatherings, dining, or relaxing under the stars.
Additional highlights include **solar panels for energy efficiency**, upgraded lighting, shutters, and thoughtful improvements throughout the home. Located within a wonderful RSM neighborhood, residents enjoy nearby parks, walking and biking trails, highly regarded schools, community amenities, shopping, dining, and seasonal events.
With **only one HOA and no Mello-Roos**, this is an excellent opportunity to enjoy the lifestyle and amenities that make Rancho Santa Margarita such a desirable place to call home.
Property details for 17 Monticello Lane
This 4-bedroom, 3-bath single-family home sits in the Cabrillo Vista neighborhood of Rancho Santa Margarita in Orange County. It offers 1,597 square feet of living space and is listed at $1,050,000, about $657 per square foot. The home was built in 1997. The MLS record lists the assessor parcel number as 806-061-19. Highlights include a community pool and spa, a fireplace, an attached two-car garage, a 2,740-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
- $1,050,000
- Days On Site
- New Today
- Bedrooms
- 4
- Inside Area (SqFt)
- 1,597 sqft
- Total Baths
- 3
- Full Baths
- 2
- Partial Baths
- 1
- Lot Size
- 2,740 SqFt
- Year Built
- 1997
- MLS® Number
- PW26215573
- Status
- Coming Soon
- Property Tax
- N/A
- HOA/Condo/Coop Fees
- $91 monthly
- Sq Ft Source
- Assessor
General Features
- Property Type
- Single Family Residence
- MLS Number
- PW26215573
- Year Built
- 1997
- Living Area (sq ft)
- 1,597
- Living Area Source
- Assessor
- Lot Size (sq ft)
- 2,740
- Lot Size (acres)
- 0.0629
- Levels
- Two
- Bedrooms
- 4
- Full Baths
- 2
- Half Baths
- 1
- Garage Spaces
- 2
- Parking Spaces
- 2
- View
- Neighborhood
- HOA Dues
- $91
- HOA Frequency
- Monthly
- HOA Name
- SAMLARC
- Parcel Number
- 80606119
- Listing Terms
- Standard
Interior Features
- Interior Features
- Breakfast Area, Eat In Kitchen, All Bedrooms Up, Loft
- Cooling
- Central Air
- Fireplace
- Family Room
- Laundry
- Inside
- Main Level Bathrooms
- 1
- Entry Level
- 1
- Common Walls
- No Common Walls
- Rooms
- Primary Bedroom, Kitchen, Bedroom, Living Room, Loft, Primary Bathroom
Exterior Features
- Lot Features
- Zero To One Unit Acre
- Parking
- Direct Access, Door Single, Driveway, Garage Faces Front, Garage, Garage Door Opener
- Pool Features
- Community, Heated, In Ground, Association
- Spa
- Community, In Ground
- Sewer
- Public Sewer
- Water
- Public
- Units
- 1
Community Features
- Subdivision
- Cabrillo Vista (CAVI)
- Community Features
- Biking, Curbs, Dog Park, Hiking, Mountainous, Street Lights, Sidewalks, Pool
- Association Amenities
- Clubhouse, Sport Court, Dog Park, Fire Pit, Horse Trails, Meeting Banquet Party Room, Outdoor Cooking Area, Other Courts, Barbecue, Picnic Area, Playground, Pool, Spa Hot Tub, Trails
The record
Property History for 17 Monticello Lane
| Date | Event | Price | Note |
|---|---|---|---|
| Oct 3, 2026 | Listed for sale | $1,050,000 |
Cost of ownership
Estimated monthly payment
7.03% · 30-yr fixed$
$7,998/mo
10% down · 30-year fixed · $105,000 down
Principal & interest$6,306
Mortgage insurance (est., over 80% LTV)$394
Property tax (est. 1.03%)$901
Home insurance (rough est., varies widely)$306
HOA from listing$91
$6,903/mo
20% down · 30-year fixed · $210,000 down
Principal & interest$5,605
Property tax (est. 1.03%)$901
Home insurance (rough est., varies widely)$306
HOA from listing$91
$6,203/mo
30% down · 30-year fixed · $315,000 down
Principal & interest$4,905
Property tax (est. 1.03%)$901
Home insurance (rough est., varies widely)$306
HOA from listing$91
Estimated carrying cost
$1,298/mo
All cash · taxes and insurance only
Principal & interestNone (cash purchase)
Property tax (est. 1.03%)$901
Home insurance (rough est., varies widely)$306
HOA from listing$91
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 17 Monticello Lane
Want to see 17 Monticello Lane in person? We have guided buyers through Cabrillo Vista 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 17 Monticello Lane
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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
- 263
- Median price
- $1,320,000
- Median days on market
- 17
- Median per sq ft
- $633
Recorded MLS closings of single-family homes, 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 $657 per square foot, this home's asking price is close to 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 |
|---|---|---|---|---|---|
| 18 Las Piedras | Sep 24, 2026 | $1,025,000 | 1,428 | $718 | 13 |
| 4 Reata | Sep 24, 2026 | $1,550,000 | 2,592 | $598 | 20 |
| 7 Santolina | Sep 22, 2026 | $1,154,240 | 1,534 | $752 | 87 |
| 7 Temecula Court | Sep 22, 2026 | $1,050,000 | 1,551 | $677 | 54 |
| 40 San Mateo | Sep 22, 2026 | $1,500,000 | 2,459 | $610 | 9 |
Schools
School District for 17 Monticello Lane
As listed in the MLS record. Confirm attendance boundaries with the school district.
The MLS record lists the school district as Capistrano Unified.
Living in Rancho Santa Margarita covers its schools, parks and beaches.
Location
Location
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Listed by Victoria Lim of Coldwell Banker Best Realty
Listing information updated Oct 3, 2026 at 6:15 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.