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21865 Delicia — Rancho Santa Margarita — 5 Beds • 3 Baths • 2,811 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+55 more

$1,549,900

12 DOM

$551/sqft5 bd3 ba2,811 sqftHOA ~335/mo

Call

21865 Delicia Rancho Santa Margarita, CA 92679

5,500sqft lot

Welcome to 21865 Delicia in the highly coveted enclave of Rancho Cielo. As you approach this home you will immediately be drawn to it's inviting curb appeal and it's location at the end of the cul de sac on a single loaded street. Locations do not get better than this! The rear yard and deck open to nothing but trees and trails. The peaceful nature behind the rear yard and the rear deck is true magic! This 2811 square foot two story home boasts 5 bedrooms and three bathrooms. Enter this immaculate home and you will be drawn in by the soaring high ceilings, the soft white paint colors and the LVP plank floors downstairs. The dramatic staircase sets the stage at first sight. The remodeled kitchen boasts stainless appliances, granite counters, a breakfast bar and a breakfast nook. The kitchen opens to the family room with fireplace and built in bookshelves. The downstairs bedroom features a built in murphy bed and a convenient downstairs upgraded bath. The upstairs primary bedroom has it all. Enjoy the sitting area with a slider to an outdoor viewing deck. The primary bathroom is fully remodeled with the latest design including a separate dramatic soaking tub. The three upstairs bedrooms are spacious and ready for a buyer to make their own. The home has been fully re-piped and features a whole house water filtration system & hot water circulating pump & new HVAC ducting. 3 car garage. Inside laundry. Rancho Cielo features a 24 hour guard gate and resort like amenities including pickleball/tennis courts a pool, spa, play and picnic area. This community is bathed in nature and walking trails.

MLS OC26067607

949-707-4400 (Office) 949-707-4321 (Cell) kcq@regencyre.com

Est. payment

$10,238/mo

Principal & interestTaxesInsuranceHOA

$7,837$1,614$452$335

Down %

Rate %

Years

Down payment: $309,980 · Total cost: $3,131,350

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$10,238/mo

Principal & interest: $7,837
Est. property tax: $1,614
Est. insurance: $452
HOA (normalized / mo): $335
Down payment: $309,980

Est. gross rent$6,458/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)$-3,780/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.