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26 Via Zapador — Rancho Santa Margarita — 3 Beds • 3 Baths • 1,428 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

+25 more

$995,000

7 DOM

$697/sqft3 bd3 ba1,428 sqftHOA ~91/mo

Call

26 Via Zapador Rancho Santa Margarita, CA 92688

3,528sqft lot

Tucked into the heart of Rancho Santa Margarita, 26 Via Zapador is a charming 3-bedroom, 2.5-bath home offering 1,428 sq ft of comfortable living on an approximately 3,600 sq ft lot, built in 1988. Step inside to a bright, welcoming layout highlighted by cathedral ceilings and thoughtful upgrades throughout, including an updated kitchen with granite counters, stainless appliances, and newer cabinetry, plus double-pane vinyl windows for comfort and efficiency. The private backyard is a true retreat with green grass and fruit trees, perfect for weekend BBQs, playtime, or simply enjoying Southern California evenings. You’ll also love the lifestyle here. The home is positioned for convenient access to Rancho Santa Margarita Lake, nearby shopping, and sought-after local schools. Community perks round it out, with neighborhood/association amenities (including pool access) and that classic RSM “everything is close” feel that makes the area so desirable.

MLS OC26043193

949-570-8981 (Office) sshort@westcapitallending.com

Est. payment

$6,448/mo

Principal & interestTaxesInsuranceHOA

$5,031$1,036$290$91

Down %

Rate %

Years

Down payment: $199,000 · Total cost: $2,010,254

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$6,448/mo

Principal & interest: $5,031
Est. property tax: $1,036
Est. insurance: $290
HOA (normalized / mo): $91
Down payment: $199,000

Est. gross rent$4,146/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)$-2,302/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 16, 2026	$995,000	—

Facts & Features

Transaction Data

HOA Fee$91/monthly

Structure & Property

Year Built1988

Garage Spaces2

949-570-8981 (Office) sshort@westcapitallending.com

Sale & Tax History

No Recent Sales History

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

Location

26 Via Zapador, Rancho Santa Margarita, CA 92688

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Call

26 Via Zapador Rancho Santa Margarita, CA 92688

About this home

Stephen Short

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Stephen Short

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

26 Via Zapador, Rancho Santa Margarita, CA 92688

About This Property

Property Photos

26 Via Zapador Rancho Santa Margarita, CA 92688

About this home

Stephen Short

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Stephen Short

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.