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10 Tierra Plano — Rancho Santa Margarita — 2 Beds • 2 Baths • 1,120 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 1PM – 3PM

+27 more

$725,000

38 DOM

$647/sqft2 bd2 ba1,120 sqftHOA ~518/mo

Call

10 Tierra Plano Rancho Santa Margarita, CA 92688

32,644sqft lot

Welcome to this Charming and Beautifully Light-filled 2 bedroom 2 bathroom condo that perfectly blends comfort, style & functionality. With desirable Southern Exposure the home is bathed in natural sunlight. Fully appointed with Rich solid hardwood floors and designer shutters throughout as well as wains coating enhancing the Dining Area. The Primary Living area features an elegant fireplace perfect for relaxing evenings and entertaining guests. The kitchen features additional counter height seating, 4 burner gas stove & built-in microwave, dishwasher and Brand New Refrigerator. Both bedrooms are generously sized, including a Comfortable Primary Suite with it's own private bath, double vanity & spacious walk-in closet. The second bedroom and bathroom offers flexibility for guest, family, or home office. The thoughtfully designed layout includes an added cozy library nook providing the perfect spot for reading or creating your own quiet retreat. Enjoy indoor outdoor living on the private balcony patio ideal for morning coffee or outdoor dining. Additional highlights include an attached 1 car garage complete with full size laundry area.

MLS OC26048829

949-768-1000 (Office) lisaclay4re@gmail.com

Est. payment

$5,150/mo

Principal & interestTaxesInsuranceHOA

$3,666$755$211$518

Down %

Rate %

Years

Down payment: $145,000 · Total cost: $1,464,758

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$5,150/mo

Principal & interest: $3,666
Est. property tax: $755
Est. insurance: $211
HOA (normalized / mo): $518
Down payment: $145,000

Est. gross rent$3,021/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,129/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Price History

Event	Date	Price	Change
Listed	Mar 5, 2026	$739,900	—

Facts & Features

Transaction Data

▼Price Reduced from $739,900 (−$14,900)

HOA Fee$518/monthly

Structure & Property

Year Built1997

Garage Spaces1

949-768-1000 (Office) lisaclay4re@gmail.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

10 Tierra Plano, Rancho Santa Margarita, CA 92688

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Call

10 Tierra Plano Rancho Santa Margarita, CA 92688

About this home

Lisa Clay

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Lisa Clay

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

10 Tierra Plano, Rancho Santa Margarita, CA 92688

About This Property

Property Photos

10 Tierra Plano Rancho Santa Margarita, CA 92688

About this home

Lisa Clay

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Lisa Clay

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.