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About This Home

This 3-bedroom, 2-bathroom condo at 12 Montana Del Lago Drive in Rancho Santa Margarita, CA is listed for $785,000 ($584 per sqft). Built in 1992, the home offers 1,344 sqft of living space on a 1.20 acres lot.

Agent Description

ONE OF THE BEST VALUES IN SOUTH OC UNDER $790K — END UNIT! Unbeatable value! This is officially one of the lowest-priced 3-bedroom, 2-bathroom homes of this size currently on the market in South Orange County. Nestled in the lakefront enclave of Montana Del Lago, this beautifully updated end unit offers the ultimate blend of natural light, style, and resort-style living.

Designed with a rare side-by-side 2-car garage featuring overhead storage and direct access to the home, this residence offers both convenience and functionality. All main living spaces are located upstairs, showcasing vaulted ceilings, a sun-drenched open-concept floor plan, a refreshed fireplace, and a new dining chandelier.

Slide open the glass doors to your private balcony, perfect for relaxing and enjoying the surroundings. Recent upgrades include updated flooring throughout, modern light fixtures, and ceiling fans. The spacious primary suite features a private en-suite bathroom, while the secondary bedroom is generously sized.

Just steps from private lake access, community pools, tree-lined trails, and the SAMLARC Beach Lagoon, this home is also minutes from top-rated schools, premier dining, and shopping. Turnkey, move-in ready, and priced to sell quickly!

Key Features

  • Built in 1992
  • 1.20 acre lot
  • 2 stories
  • 2 parking spaces
  • Fireplace

Property Details

2 stories
2 full
2 spaces
#168
1992

Amenities

FireplaceView

Monthly Cost Estimate

$4,198/mo

20% down · 6.5% · 30 years

Principal$568
Interest$3,402
Insurance$229

Estimates only. Actual payments may vary.

Location

12 Montana Del Lago Drive

Rancho Santa Margarita, CA 92688

Montana Del Lago (MDL)

Features & Amenities

Interior Features

BalconyHigh CeilingsLiving Room BalconyCeiling Fan(s)Open FloorplanTile Counters

Exterior Features

Community Features Included: Horse TrailsGolfBikingHikingFishingMountainousLakeStreet LightsSidewalksPark

Property Details

Flooring

LaminateTile

Views

Mountain

Parking

Garage

Heating

CentralFireplace(s)

Cooling

Central Air

Appliances

DishwasherGarbage DisposerOven - GasRangeRange - GasRefrigeratorWasher

Questions & Answers

This 3-bedroom, 2-bathroom condo at 12 Montana Del Lago Drive is listed at $785,000 ($584/sqft). The estimated monthly payment is $3,402 based on 20% down at 6.5% interest.

Key features include: Built in 1992, 1.20 acre lot, 2 stories, 2 parking spaces, Fireplace. Interior Features: Balcony, High Ceilings, Living Room Balcony. Exterior Features: Community Features Included: Horse Trails, Golf, Biking.

This property is listed by Joseph Chow and can be reached at 7149267767 or joseph.chow@redfin.com.

JC

Joseph Chow

Agent at Redfin

(714) 926-7767

Listed by Redfin · View on Broker Site

MLS# OC26120243· Source: listhub· Updated 1 days ago

Copyright © 2026 California Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12 Montana Del Lago Drive, Rancho Santa Margarita, CA 92688

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