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16 Mapache — Rancho Santa Margarita — 4 Beds • 3 Baths • 1,977 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

+47 more

$1,325,000

19 DOM

$670/sqft4 bd3 ba1,977 sqftHOA ~91/mo

Call

16 Mapache Rancho Santa Margarita, CA 92688

5,000sqft lot

Stunning home in Rancho Santa Margarita, known for its safety, schools, and community amenities that have made it one of the most desirable cities in California! This 4 bedroom home offers freshly painted walls throughout, wood floors throughout the first floor, upgraded windows, custom kitchen, spacious living and family rooms, as well as a generously sized backyard! Upstairs you’ll find a whole house fan, new carpet, thoughtfully inspired master bathroom that showcases a custom shower, new vanity and much more! PEX plumbing too! HVAC has been replaced as well as the water heater and windows! Competitive insurance quote at about $2,051 available upon request! Access to Rancho Santa Margarita's master-planned community amenities like the beach club, lake, tennis courts, water park, trails, and much more are included with your HOA dues. No Mello Roos! Tax rate is about 1.01%!

MLS OC26030443

949-385-0394 (Office) 714-394-1462 (Cell) ryan@planArealestate.com

Est. payment

$8,557/mo

Principal & interestTaxesInsuranceHOA

$6,700$1,380$386$91

Down %

Rate %

Years

Down payment: $265,000 · Total cost: $2,676,972

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$8,557/mo

Principal & interest: $6,700
Est. property tax: $1,380
Est. insurance: $386
HOA (normalized / mo): $91
Down payment: $265,000

Est. gross rent$5,521/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)$-3,036/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	Feb 10, 2026	$1,325,000	—

Facts & Features

Transaction Data

HOA Fee$91/monthly

Structure & Property

Year Built1988

Garage Spaces2

949-385-0394 (Office) 714-394-1462 (Cell) ryan@planArealestate.com

Sale & Tax History

No Recent Sales History

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

Location

16 Mapache, Rancho Santa Margarita, CA 92688

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Call

16 Mapache Rancho Santa Margarita, CA 92688

About this home

Ryan Argue

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Ryan Argue

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

16 Mapache, Rancho Santa Margarita, CA 92688

About This Property

Property Photos

16 Mapache Rancho Santa Margarita, CA 92688

About this home

Ryan Argue

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Ryan Argue

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.