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4 Velarde Court, Rancho Santa Margarita, CA 92688

$1.18M3bd · 3ba · 1,857 sqft
Lot 4,386 sqft•HOA $91/mo•Single Family Residence•
Active
•32d on market•MLS# OC-26213544

Property Description

**. Sellers are offering a 1/1 Buy Down! Thats a SAVINGS of $600 a Month on Buyers Monthly Mortgage Payment! Sellers are in escrow & highly motivated to secure a successful sale. Don’t miss this opportunity. Bring your offer!** **Welcome to Cabrillo Vista, one of Rancho Santa Margarita’s most desirable neighborhoods!** This beautifully cared-for home showcases true pride of ownership, stunning Saddleback Mountain views and a thoughtfully designed interior. The spacious kitchen and dining areas flow into a spectacular family room with soaring vaulted ceilings and over 430 square feet of living space. French doors open to a covered Alumawood patio, creating the perfect indoor-outdoor setting for relaxing and entertaining. Numerous upgrades include a **remodeled kitchen with custom cabinetry (2019), all three remodeled bathrooms (2023), and a brand-new 4-ton Rheem A/C system installed in June 2026** with a 10-year compressor and parts warranty and 5-year labor warranty. Additional features include LED lighting, ceiling fans throughout, Elfa® closet and laundry shelving, custom upstairs cabinetry, a resurfaced bonus room ceiling, epoxy-coated garage floor and a **2026 LiftMaster Wi-Fi garage door opener** operated by phone or keypad. Enjoy walking distance to a community pool, plus access to **SAMLARC amenities including pools, parks, hiking and biking trails, year-round community events and the beautiful Santa Margarita Beach Club.** With its exceptional location, mountain views, extensive upgrades and outstanding community amenities, this home offers the best of the Rancho Santa Margarita lifestyle.

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
Heating
Central
Cooling
Central Air
View
Hills
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byVirginia Hall, Broker, Virginia Hall

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$5,941.44
Principal & Interest
Loan Amount
$940,000
Total Interest
$1,198,918
Total Payment Over 30 Years
$2,138,918
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

4 Velarde Court, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Single Family Residence

$1.18M
Residential Tier
Beds
3
Baths
3
Sqft
1,857
Lot
4,386 sqft
Year
1997
$/Sqft
$633
Pool: No✓
View: mountain✓
Garage: 2-car✓

Listed 12.4% above the median closed sale of $1,045,000.

Price Position

Positioned above the market — commands a premium.

Premium
Subject listed at $1.18M· $633/sqft
Total list price
Closed comps
vs closed median $1.04M
+$130K (+12.4%)
Active comps
vs active median $1.10M
+$76K (+6.9%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $702
−$69 (−9.8%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
17 Monticello LaneRancho Santa Margarita1997431,5972,740$657$1.05M485
21 Calle VeranoRancho Santa Margarita1995331,5743,200$660$1.04M8885
21 Calle Del MarRancho Santa Margarita1997331,5004,019$733$1.10M12884
4 Via JacintoRancho Santa Margarita1994331,7233,600$690$1.19M5683
2 MalaquitaCoto de Caza1987321,6314,950$769$1.25M10774
Total: 5 · Average3.22.81,6053,701.8$701.8$1.13M76.6
Median1,597$1.10M

Closed Properties (5)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
5 GalisteoRancho Santa Margarita199807/02/2026431,5973,207$1.06M$1.04M$6540.986990
5 BerlamoRancho Santa Margarita199812/08/2025332,0264,531$1.09M$1.09M$5401.009390
2 DaybreakRancho Santa Margarita199809/01/2026331,6103,795$1.07M$1.07M$6681.003387
24 Calle FortunaRancho Santa Margarita199608/13/2026331,5743,200$999,999$1.01M$6451.013486
9 GalisteoRancho Santa Margarita199807/08/2026331,5972,792$1.05M$1.04M$6510.996485
Total: 5 · Average3.23.01,680.83,505$1.05M$1.05M$631.6—58.6
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.