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17 Monticello Lane, Rancho Santa Margarita, CA 92688

$1.05M4bd · 3ba · 1,597 sqft
Lot 2,740 sqft•HOA $91/mo•Single Family Residence•
Active
•6d on market•MLS# PW-26215573

Property Description

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 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.

Features & Amenities

FeeBuilt 1997

Property Details

Land Type
Fee
Year Built
1997
Property Type
Residential
Property Subtype
Single Family Residence
Parking Spaces
2
Garage Spaces
2
Cooling
Central Air
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byColdwell Banker Best Realty, Victoria Lim

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$5,309.37
Principal & Interest
Loan Amount
$840,000
Total Interest
$1,071,374
Total Payment Over 30 Years
$1,911,374
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Residential Tier · 5 active · 5 closed

17 Monticello Lane, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Single Family Residence

$1.05M
Residential Tier
Beds
4
Baths
3
Sqft
1,597
Lot
2,740 sqft
Year
1997
$/Sqft
$657
Pool: No✓
Spa: No✓
Garage: 2-car✓

Listed in line with the median closed sale of $1,040,000.

Price Position

Aligned with the market — fair pricing for the comps.

At market
Subject listed at $1.05M· $657/sqft
Total list price
Closed comps
vs closed median $1.04M
+$10K (+1.0%)
Active comps
vs active median $1.04M
+$11K (+1.1%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $655
+$2 (+0.4%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
21 Calle VeranoRancho Santa Margarita1995331,5743,200$660$1.04M8893
4 Velarde CourtRancho Santa Margarita1997331,8574,386$633$1.18M3185
4 Via JacintoRancho Santa Margarita1994331,7233,600$690$1.19M5685
23764 VILLENAMission Viejo1981321,4723,478$639$940,0001677
19 Calle De SuenosRancho Santa Margarita1998431,4985,507$651$975,0001177
Total: 5 · Average3.22.81,624.84,034.2$654.6$1.06M40.4
Median1,574$1.04M

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
5 GalisteoRancho Santa Margarita199807/02/2026431,5973,207$1.06M$1.04M$6540.986996
9 GalisteoRancho Santa Margarita199807/08/2026331,5972,792$1.05M$1.04M$6510.996492
2 DaybreakRancho Santa Margarita199809/01/2026331,6103,795$1.07M$1.07M$6681.003391
24 Calle FortunaRancho Santa Margarita199608/13/2026331,5743,200$999,999$1.01M$6451.013491
5 El Vado DriveRancho Santa Margarita199811/21/2025331,4952,600$975,000$900,000$6020.9211990
Total: 5 · Average3.23.01,574.63,118.8$1.01M$1.01M$644—63.8
Median1,597$1.04M$1.04M

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.