Rancho Santa Margarita Homes under $1.25 million

Rancho Santa Margarita Homes under $1.25 million

Welcome to Rancho Santa Margarita, a hidden gem nestled in the heart of Orange County, California. Known for its picturesque landscapes, vibrant community, and a wealth of outdoor activities, this charming city offers an idyllic lifestyle for families, young professionals, and retirees alike.

Rancho Santa Margarita is characterized by its stunning natural beauty, with rolling hills, scenic parks, and serene lakes that provide a perfect backdrop for outdoor enthusiasts. The city features a variety of recreational amenities, including hiking trails, biking paths, and the stunning Rancho Santa Margarita Lake, where residents can enjoy picnicking, fishing, and leisurely strolls along the waterfront. The community is also home to a variety of shopping and dining options, with the bustling Mercado del Lago and the charming Plaza El Paseo providing a delightful mix of local boutiques and eateries.

For those seeking a home in this vibrant city, there are plenty of options available under $1.25 million. Whether you’re looking for a cozy single-family residence or a spacious townhome, Rancho Santa Margarita offers a diverse selection of properties that cater to various lifestyles and preferences. Many homes in this price range feature modern amenities, beautiful outdoor spaces, and access to excellent schools, making it an ideal choice for families.

Experience the warmth of community living combined with the beauty of nature in Rancho Santa Margarita. With its affordable housing options and a plethora of activities, this city is not just a place to live; it’s a place to thrive. Come discover your dream home in this enchanting Orange County oasis!

Newest Rancho Santa Margarita Homes under $1.25 million

2 Primula, Rancho Santa Margarita
$689,000
2 Beds ⋅ 2 Baths ⋅ OC26220335 MLS ⋅ Active Status
Single Story Dream Home! Ideally located in the desirable lakeside community of Brisa Del Lago II, directly across the street from the beautiful Rancho Santa Margarita Lake. Single level corner unit...NO STAIRS! Beautifully remodeled white kitchen with newer appliances. Primary bath has custom walk-in shower and clear glass enclosure. Secondary bath complete with new vanity. Wide plank, wood look, vinyl floors throughout...NO CARPET! French doors in the Primary and Living Room lead to a VERY PRIVATE, low maintenance, OVERSIZED, quiet patio, perfect for indoor/outdoor entertaining. Newer HVAC system, water heater and garbage disposal. Washer, Dryer and Refrigerator are included. There is plenty of storage inside the home and a 1 car garage with direct access. 2nd 1 car garage is directly across the driveway. Community amenities include a private swimming pool, jacuzzi and BBQ. Enjoy, within walking distance, RSM Beach Club Membership, 13 parks, sport courts, hiking trails, shopping, entertainment, dining and schools. Condo is FHA approved.

2 Primula, Rancho Santa Margarita
79 Alondra, Rancho Santa Margarita
$929,000
3 Beds ⋅ 3 Baths ⋅ OC26217268 MLS ⋅ Active Status
Welcome to 79 Alondra, where a tree-lined approach sets the tone for peaceful living in Rancho Santa Margarita. Situated between the golf course and a natural ravine, this home offers scenic surroundings and opportunities to enjoy hiking, biking, and leisurely walks. This three-bedroom, three-bath home features a versatile layout with one bedroom and a bathroom on the main floor—ideal for guests or a home office. Upstairs, two generously sized bedrooms each have their own bathroom, offering comfort and privacy. Step outside to your private patio to relax, entertain, and enjoy the natural setting. A two-car garage adds everyday convenience, while additional parking across the street makes welcoming visitors easy. Discover a home that brings together comfort, convenience, and the beauty of its surroundings.

79 Alondra, Rancho Santa Margarita
30 San Bonifacio, Rancho Santa Margarita
$1,099,000
3 Beds ⋅ 3 Baths ⋅ OC26218835 MLS ⋅ Active Status
COSMETIC FIXER SPECIAL AND GREAT OPPORTUNITY IN CENTRAL RANCHO SANTA MARGARITA! Priced to reflect its condition, this 3-bedroom, 2.5-bath home offers 1,593 square feet on an approximately 4,800-square-foot lot in a desirable interior location with exceptional privacy and no homes directly behind. The home needs cosmetic updating, creating an excellent opportunity for a buyer to renovate and personalize it to their own tastes, budget and timeline. Several important improvements have already been completed, including recent fumigation, updated HVAC, new vinyl fencing along one side with a new side-yard access gate, and repairs to the opposite fence with new boards and concrete footings. Inside, the functional floor plan features vaulted ceilings and abundant natural light in the living room, formal dining area overlooking the private rear patio and tree-lined slope, and a kitchen with lots of cabinetry, tile countertops, breakfast bar, gas range, dishwasher and microwave - and open to the family room with cozy gas fireplace. Upstairs, the private primary suite enjoys peaceful tree-lined views, cathedral ceiling, abundant natural light, large walk-in closet and en-suite bath with dual sinks and shower-over-tub with large soaking tub. Two additional bedrooms with mirrored closet doors and a secondary full bath complete the upstairs. The rear concrete patio offers a peaceful, private setting with mature trees and comfortable separation from neighboring homes. One side yard features established planters, greenery, small trees and direct garage access; the opposite side offers additional space ideal for private plantings or a grassy pet area. Additional features include a 2-car attached garage with storage potential, 2-car driveway, separate indoor laundry room, downstairs powder room and under-stairs storage. Residents enjoy RSM community amenities including parks, pools and the Beach Club at the lake, plus in-tract pool, spa, clubhouse, playground and barbecue facilities. With a low 1.02% property tax rate, low HOA fees, desirable Central RSM location, private lot and pricing that reflects its cosmetic condition, this is a rare opportunity to make an established neighborhood home your own.

30 San Bonifacio, Rancho Santa Margarita
23 Pomelo, Rancho Santa Margarita
$475,000
1 Beds ⋅ 1 Baths ⋅ OC26217173 MLS ⋅ Active Status
Prepare to fall in love with this immaculate and beautifully updated upper-level carriage unit, blessed with a desirable and private end unit location in the sought after La Ventana community. Travel up the stairway and through the private front patio and step inside to soak in the freshly painted light filled interior featuring high vaulted ceilings, updated recessed can lighting, sleek luxury vinyl plank floors, and plantation shutters throughout the open concept floor plan providing an ideal living environment. The spacious living area is filled with natural light and is open to the kitchen and dining area, perfect for entertaining and gatherings with friends and family. The sparkling kitchen features sleek countertops, updated faucet, and a prized breakfast bar. The spacious primary bedroom suite features a large window with plantation shutters, an upgraded ceiling fan, two closets, mirrored closet doors, and a gorgeously updated en-suite bathroom with custom vanity, framed vanity mirror, upgraded faucet and fixtures, updated contemporary lighting, reglazed bath enclosure, and a convenient laundry closet for a stackable washer and dryer. This home includes a prime oversized 1 car garage located conveniently under the unit at the bottom of the steps and features an abundance of extra storage space. Superbly located just steps from the community pool and spa and a short stroll to Mesa Linda Park featuring lighted tennis courts, basketball courts, playground, sand volleyball court, picnic and BBQ areas and serene hiking, biking, and walking paths overlooking picturesque rolling hills and canyons. World Class SAMLARC community amenities include multiple pools, several family friendly parks, clubhouses, tennis and pickleball courts, sports courts, paddleboat rentals, Amphitheaters, and gorgeous Lago Santa Margarita Lake Beach Club & Lagoon. Close to golfing, shopping, dining, numerous hiking and biking trails, and easy toll road access.

23 Pomelo, Rancho Santa Margarita
42 Paseo Viento, Rancho Santa Margarita
$835,000
2 Beds ⋅ 3 Baths ⋅ OC26216338 MLS ⋅ Active Status
Welcome to this beautifully situated detached home offering 2 bedrooms, 2.5 bathrooms, and a versatile loft that provides the perfect space for a home office, media room, or additional living area. The open and inviting floor plan is filled with abundant natural light, creating a warm and welcoming atmosphere throughout. The kitchen features granite countertops and flows seamlessly into the main living areas, making it ideal for everyday living and entertaining. Enjoy the added privacy of having no neighbors directly behind the property, along with the convenience of a spacious two-car garage. Located in a desirable and safe community, this home offers comfort, privacy, and a wonderful opportunity to enjoy a relaxed lifestyle.

42 Paseo Viento, Rancho Santa Margarita
18 Montana Del Lago, Rancho Santa Margarita
$569,995
2 Beds ⋅ 2 Baths ⋅ OC26218211 MLS ⋅ Active Status
Welcome to 18 Montana Del Lago. Beautifully updated and move-in ready, this two-bedroom, two-bath condo in the desirable Montana Del Lago community offers a thoughtfully designed two-level floor plan with a bedroom and full bath on each level—providing flexibility and privacy for guests, a home office, or everyday living. The light and bright lower level features new luxury vinyl plank flooring and a beautifully updated kitchen with contemporary cabinetry, stainless steel appliances, and a generous pantry. Upstairs, newer carpeting creates a comfortable retreat, while the updated bath features a newly finished walk-in shower. All-new windows add to the home’s fresh, updated feel. Storage is plentiful throughout, and an inside stackable washer and dryer adds everyday convenience. Step outside to your private patio, an inviting space for morning coffee, barbecuing, outdoor dining, or entertaining. A private one-car garage with a new garage door opener provides secure parking and additional storage. Purchased and extensively updated by the current owners in 2022, the home has been used only as a second residence and has been exceptionally lightly lived in. The location is equally appealing. Enjoy the convenience of being just a short walk from the lake, shopping and dining, and nearby trails and recreation. In addition to the Montana Del Lago community pool, residents also enjoy the extensive SAMLARC amenities, including the Beach Club and Lagoon, four Jr. Olympic-sized pools, 13 parks, playgrounds, picnic and sports facilities, miles of trails, and year-round community events. Turnkey, thoughtfully upgraded, and ideally located, this is an exceptional opportunity to enjoy the Rancho Santa Margarita lifestyle.

18 Montana Del Lago, Rancho Santa Margarita
42 Via Brida, Rancho Santa Margarita
$1,039,000
3 Beds ⋅ 3 Baths ⋅ OC26185636 MLS ⋅ Active Status
Welcome to Rancho Santa Margarita! Located in the highly desirable Melinda Heights area, this beautifully maintained two-story home is situated in the Cresta Vista community and offers a light, bright, and inviting atmosphere. High ceilings and abundant natural light create an open, airy feel, while elegant wooden shutters add warmth and style throughout the home. The residence features 3 bedrooms, 1 full bathroom, 1 three-quarter bathroom, and a convenient half bathroom, providing flexibility for everyday living and entertaining. A private rear patio offers a peaceful outdoor retreat—perfect for morning coffee, dining al fresco, or relaxing at the end of the day. Additional features include a 2-car attached garage and a dedicated laundry room with a utility sink for added convenience. The front of the home makes a wonderful first impression with a beautifully landscaped walkway and manicured planter boxes, creating an inviting entrance. Residents enjoy the benefits of SAMLARC's exceptional recreational amenities, including multiple pools, parks, sports courts, walking and hiking trails, and the Lago Santa Margarita Beach Club. Conveniently located near Solana Park and surrounded by the outdoor amenities Rancho Santa Margarita is known for, this home offers a comfortable lifestyle in an attractive and well-maintained community. Come discover all this home and its sought-after location have to offer!

42 Via Brida, Rancho Santa Margarita
9 De Lino, Rancho Santa Margarita
$468,000
1 Beds ⋅ 1 Baths ⋅ PW26215818 MLS ⋅ Active Status
Welcome to this charming one-bedroom, one-bathroom lower-level condo in the highly sought-after Belflora and SAMLARC community of Rancho Santa Margarita. A spacious covered patio welcomes you home and provides the perfect spot for morning coffee, outdoor dining, barbecues, or simply relaxing. Inside, the bright and inviting living room flows into the dining area and kitchen, featuring quartz countertops, white cabinetry, and recessed lighting. The spacious bedroom offers a generous walk-in closet, while the updated bathroom features a custom tile walk-in shower with glass enclosure, updated fixtures and lighting, and a distinctive river rock sink. Additional highlights include a new A/C system with Nest smart thermostat, new tankless water heater, neutral paint throughout, private laundry just off the patio, and a covered carport conveniently located across from the unit. Enjoy access to community parks, pools, and recreational amenities, all within walking distance of Rancho Santa Margarita Lake, the Lago Santa Margarita Beach Club and Lagoon, shopping, dining, entertainment, and everyday conveniences. A wonderful opportunity to enjoy the best of Rancho Santa Margarita living! Obs: Some photos were enhanced with AI

9 De Lino, Rancho Santa Margarita
31 Calle Melinda, Rancho Santa Margarita
$1,150,000
3 Beds ⋅ 3 Baths ⋅ OC26215198 MLS ⋅ Active Status
******Charming LAKE FRONT HOME at Lake Rancho Santa Margarita! Sellers Are Motivated And The Price Is Amazing For a Lake Front Location! Seriously Don't Wait To Check It Out! This Townhome Has 3 Bedrooms and 2.5 Baths (1,758 Square Feet). Besides The Great Location, Buyers Will Enjoy The Serene Surroundings In This Exclusive Neighborhood! It's Like You Are Living In a Resort Area! Enjoy The Beautiful Trees! This Home Has Direct Access 2-Car Garage, and a Spacious Driveway! Going for a walk around the Lake is effortless! just unlock Your Backyard Gate, Take a Few Steps And You're There! The Quiet Backyard is Lovely and a Great Place To Relax and Enjoy The View! Kitchen Can Accommodate Two Chefs Cooking Delicious Foods Simultaneously! New Range Hood in The Kitchen and Fresh Paint Throughout! Warm and Elegant Vinyl Flooring Throughout! Here Are Some Other Added Improvements: New Top Quality "PELLA" Windows, New Air Ducts As Well As New Attic Insulation. Fully Remodeled Master Bath With QUARTZ Countertop! and a Soaking Tub, a Light Up/ Anti Fog Bathroom Mirror just to name a few! Updated Garage With a Beautiful Brand New Sectional Garage Door & Epoxy Garage Flooring. Added Safety With a Smart Lock (on Front Door), New Modern Toilet w/Bidet in Powder Room Downstairs. The Balcony Upstairs Off the Master Suite Is The Best Place To Relax, Unwind and Enjoy the Gorgeous Views! Just a Few Steps Down Your Street You'll Find the Community Pool and SPA Waiting For You! On The Fourth of July Your Family and Friends Will Be Thrilled When Watching The Amazing Fireworks From The Backyard or The Balcony! Good Schools Are Nearby Too and So Are The Shops and Parks, Restaurants and the Beach Club!!!

31 Calle Melinda, Rancho Santa Margarita
17 Monticello Lane, Rancho Santa Margarita
$1,050,000
4 Beds ⋅ 3 Baths ⋅ PW26215573 MLS ⋅ Coming Soon Status
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.

17 Monticello Lane, Rancho Santa Margarita
28 Blue Oak Unit 96, Rancho Santa Margarita
$589,000
2 Beds ⋅ 2 Baths ⋅ OC26214640 MLS ⋅ Active Status
BRAND NEW ON THE MARKET! Located in a magnificent location right in the Heart of RSM happenings! A spectacular LAKE & Mediterranean Style BEACH CLUB / Lagoon so close it's as good as being in your backyard! Situated in a Park-Like Setting & peaceful Greenbelt. This attractive Two Bedroom, Two Full Bathrooms Carriage Unit has no other units above or below. Wonderful Over-Sized One-Car garage and ample parking has all the modern features & lifestyle amenities to enjoy! This Upper-End Unit-Single Story provides an exceptional private Courtyard perfect place for grilling & relaxing in the sun. Sunny kitchen with new kitchen countertops, soft close hinges, new kitchen sink & new faucet, Stainless Steel Appliances, including stainless steel refrigerator, recessed lighting, great storage and more. Stunning Shiplap paneling above fireplace. Plus convenient Indoor Laundry with Newer stackable washer & dryer. Primary Bedroom with an ensuite bathroom provides two wardrobe closets! Remodeled Hall Bathroom present stunningly vanity mirror, new sink, new faucets and new toilet. Attractive Luxury-Vinyl Planks flooring! With an Open-Concept Kitchen, Dining and Living area provides a joyous Great-Room experience! Freshly installed blinds for for Over-Sized View Windows! Walking Distance to: Award Winning Public & Private Schools, Restaurants, paths around the lake, Beach Lagoon, HOA Pools & Spa, Tot-Park, access point to O'Neill Park hiking & biking trails, sports park, etc. To top it off, no need to drive to 4th of July Fireworks, this home is in the epicenter of activity! What a value...You'll be PROUD to call this home!

28 Blue Oak Unit 96, Rancho Santa Margarita
2 Dianthus, Rancho Santa Margarita
$699,900
2 Beds ⋅ 2 Baths ⋅ OC26215370 MLS ⋅ Active Status
Entertainer’s Dream! Highly Upgraded And Extremely Well Cared For Lower-Level End Unit In Brisa Del Lago II. 2 Bedrooms, 2 Bathrooms, 1-Car Attached Garage With Epoxy Floor, Plus 1-Car Detached Garage #76. Newer Roll-Up Garage Doors And Storage Racks Included. Brand-New Kitchen Completed October 2026 Featuring Quartz Countertops, New Cabinetry And New Vinyl Plank Floors. New Baseboards, Crown Molding, Striking Marble Fireplace With Custom Fireplace Mantle, Custom Built-In Cabinet For Electronics, And Newer Interior Doors And Casings Throughout. Relaxing And Inviting Rear Patio With Spanish Pavers, Built-In BBQ, Sink, Refrigerator, Storage Cabinet, Drip System And Custom Accent Lighting. Gorgeous Remodeled Primary Bathroom With Slate Walk-In Shower, Marble Vanity And Custom Medicine Cabinet, Free-Standing Vessel Sink And Mirrored Closet Doors. Newer A/C And Furnace, New Water Heater, New Windows, Plus 2 Sets Of French Doors With New Dual-Pane Glass And Vanishing Screens. No Expense Spared Here! Beautiful Community Pool, Spa And Picnic Area. Rancho Santa Margarita Residents Enjoy The Beautiful RSM Lake, Beach Club, 13 Parks, Playgrounds, Community Pools, Sports Courts, Hiking And Biking Trails. Just A Few Blocks From O’Neill Regional Park, Nearby Top-Rated Schools And Easy Access To The 241 Foothill Transportation Corridor.

2 Dianthus, Rancho Santa Margarita
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Based on information from California Regional Multiple Listing Service, Inc. as of . 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. 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, 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.