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20 Carmesi — Rancho Santa Margarita — 2 Beds • 2 Baths • 1,058 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 17 · 10:30AM – 1PM

+34 more

$699,000

1 DOM

$661/sqft2 bd2 ba1,058 sqftHOA ~452/mo

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20 Carmesi Rancho Santa Margarita, CA 92688

39,932sqft lot

Welcome to 20 Carmesi, a highly upgraded and beautifully maintained upper-level condo located in one of the most desirable areas of Rancho Santa Margarita. This spacious residence offers 2 large bedrooms and 2 full bathrooms, combining comfort, functionality, and thoughtful upgrades throughout. The recently remodeled kitchen is a true highlight, featuring beautiful granite countertops, high-end appliances, and soft-touch, self-closing cabinetry with convenient pull-out storage, perfectly blending style and efficiency for everyday living and entertaining. The home has been fully repiped and includes a recently replaced HVAC system, offering peace of mind and long-term value. Inside, the home showcases newer high-end carpet and LVP flooring, along with an indoor full-size laundry area for added convenience. The primary suite offers generous space, a large en-suite bathroom, and a walk-in closet. The second bedroom is also spacious and versatile, easily accommodating both a sleeping area and a home office setup. Uniquely positioned on the second floor, this condo enjoys a premium location within the community. A welcoming front patio and an expansive rear balcony provide multiple outdoor living spaces, ideal for relaxing or entertaining while taking in beautiful mountain, sunset, and garden views. One of the rare features of this home is direct access to the garage with ample storage Ideally located very close to the playground and a nearby pool, this home also offers exceptional convenience with close proximity to major shopping, dining, and entertainment. Enjoy being within walking distance of the scenic Rancho Santa Margarita Lake, perfect for evening strolls, dining, and enjoying the vibrant local atmosphere. A true turnkey opportunity in the heart of Rancho Santa Margarita.

MLS OC26078778

949-709-1555 (Office) 949-292-4462 (Cell) ShawnFaramarzi@gmail.com

Est. payment

$4,919/mo

Principal & interestTaxesInsuranceHOA

$3,535$728$204$452

Down %

Rate %

Years

Down payment: $139,800 · Total cost: $1,412,229

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$4,919/mo

Principal & interest: $3,535
Est. property tax: $728
Est. insurance: $204
HOA (normalized / mo): $452
Down payment: $139,800

Est. gross rent$2,913/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)$-2,006/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.

Virtual Tour

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Price History

Event	Date	Price	Change
Listed	Mar 13, 2026	$699,000	—

Facts & Features

Transaction Data

HOA Fee$452/monthly

Structure & Property

Year Built1989

Garage Spaces1

949-709-1555 (Office) 949-292-4462 (Cell) ShawnFaramarzi@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

20 Carmesi, Rancho Santa Margarita, CA 92688

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20 Carmesi Rancho Santa Margarita, CA 92688

About this home

Shawn Faramarzi

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Shawn Faramarzi

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

20 Carmesi, Rancho Santa Margarita, CA 92688

About This Property

Property Photos

20 Carmesi Rancho Santa Margarita, CA 92688

About this home

Shawn Faramarzi

Est. monthly payment

Mortgage vs rent

Virtual Tour

Price History

Facts & Features

Transaction Data

Structure & Property

Shawn Faramarzi

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.