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49 Montana Del Lago Dr1 / 34 · Click to zoom

About this home

Welcome to the desirable Montana Del Lago community, just steps from the scenic Rancho Santa Margarita Lake and exclusive RSM Beach Club Lagoon. This charming 2-bedroom, 2-bathroom home with a 1-car garage offers a bright and open floor plan designed for comfortable everyday living. The inviting living room features a cozy fireplace and flows seamlessly into the dining area and upgraded kitchen perfect for both relaxing and entertaining. The spacious kitchen showcases newer cabinetry and sleek quartz countertops, creating a modern and functional space. A convenient main-floor bedroom and full bath provide flexibility for guests or multi-generational living, while the upstairs retreat includes an additional bedroom and full bathroom. Step outside to your private patio overlooking lush trees, an ideal setting for morning coffee or evening unwinding. Recent upgrades include updated flooring, newer water heater, and fresh interior paint, making this home move-in ready. Residents enjoy resort-style amenities, including a community pool and spa, along with access to SAMLARC amenities featuring 13 parks, 4 pools, the Beach Club Lagoon, sports courts, and more. Conveniently located near shopping, dining, and recreation, this home offers the perfect blend of nature, comfort, and community living.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$586,000 · Jun 2023
📋 Assessed value$597,720
💵 Annual tax$6,175
🏫 School districtSaddleback Valley Unified School District

MLS #26116207MR

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

Estimate your monthly payment. Adjust the numbers to fit your budget.

Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$3,753
Principal & interest$3,029
Property tax$549
Home insurance$175
Down payment: $119,800Loan: $479,200

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.