Rancho Santa Margarita Central (R2) Homes under $1.25 million

Welcome to Rancho Santa Margarita Central, a vibrant gem nestled in the heart of Orange County, California. This charming community offers a unique blend of suburban tranquility and urban convenience, making it an ideal place for families, young professionals, and retirees alike. With its stunning natural landscapes, picturesque parks, and a welcoming atmosphere, Rancho Santa Margarita Central is the perfect backdrop for your next home.

One of the standout features of this region is its diverse selection of homes available for under $1.25 million. Here, you’ll find beautifully designed properties that cater to a variety of lifestyles and preferences. Whether you’re searching for a cozy single-family home with a spacious backyard, a modern townhouse with contemporary finishes, or a charming condo with breathtaking views, Rancho Santa Margarita Central has something for everyone.

In addition to its attractive housing options, this community boasts an array of amenities that enhance the quality of life for its residents. Enjoy leisurely strolls around the stunning Lake Rancho Santa Margarita, or take advantage of the numerous parks and recreational facilities that offer everything from hiking trails to sports fields. The area is also home to top-rated schools, shopping centers, and dining options, ensuring you’ll have everything you need just a stone's throw away.

With its idyllic setting and affordable home prices, Rancho Santa Margarita Central is a delightful place to call home. Explore the possibilities and discover why so many are choosing to make this enchanting community their own!

Newest Rancho Santa Margarita Central (R2) Homes under $1.25 million

17 Monticello Lane, Rancho Santa Margarita

$1,050,000

4 Beds ⋅ 3 Baths ⋅ PW26215573 MLS ⋅ Coming Soon Status

Welcome to 17 Monticello, a beautifully refreshed 4-bedroom, 3-bathroom home in the desirable community of Rancho Santa Margarita. Offering approximately 1,600 square feet of living space, this home combines comfort, functionality, and modern updates for today’s lifestyle. Step inside to a light and inviting interior featuring **newer hard-surface flooring throughout and a fresh coat of modern paint**, creating a clean, contemporary feel. The open-concept kitchen is designed for both everyday living and entertaining, with granite countertops, a center island, and stainless-steel appliances. Upstairs, the versatile floor plan offers three bedrooms plus a spacious loft that can be used as an office, playroom, or easily converted to a fourth bedroom to fit your needs. The primary suite provides a relaxing retreat with an updated bathroom and comfortable space to unwind. Enjoy seamless indoor-outdoor living through the French doors leading to the private backyard, where mature planters and a fire pit create an inviting setting for gatherings, dining, or relaxing under the stars. Additional highlights include **solar panels for energy efficiency**, upgraded lighting, shutters, and thoughtful improvements throughout the home. Located within a wonderful RSM neighborhood, residents enjoy nearby parks, walking and biking trails, highly regarded schools, community amenities, shopping, dining, and seasonal events. With **only one HOA and no Mello-Roos**, this is an excellent opportunity to enjoy the lifestyle and amenities that make Rancho Santa Margarita such a desirable place to call home.

17 Monticello Lane, Rancho Santa Margarita

28 Blue Oak Unit 96, Rancho Santa Margarita

$589,000

2 Beds ⋅ 2 Baths ⋅ OC26214640 MLS ⋅ Active Status

BRAND NEW ON THE MARKET! Located in a magnificent location right in the Heart of RSM happenings! A spectacular LAKE & Mediterranean Style BEACH CLUB / Lagoon so close it's as good as being in your backyard! Situated in a Park-Like Setting & peaceful Greenbelt. This attractive Two Bedroom, Two Full Bathrooms Carriage Unit has no other units above or below. Wonderful Over-Sized One-Car garage and ample parking has all the modern features & lifestyle amenities to enjoy! This Upper-End Unit-Single Story provides an exceptional private Courtyard perfect place for grilling & relaxing in the sun. Sunny kitchen with new kitchen countertops, soft close hinges, new kitchen sink & new faucet, Stainless Steel Appliances, including stainless steel refrigerator, recessed lighting, great storage and more. Stunning Shiplap paneling above fireplace. Plus convenient Indoor Laundry with Newer stackable washer & dryer. Primary Bedroom with an ensuite bathroom provides two wardrobe closets! Remodeled Hall Bathroom present stunningly vanity mirror, new sink, new faucets and new toilet. Attractive Luxury-Vinyl Planks flooring! With an Open-Concept Kitchen, Dining and Living area provides a joyous Great-Room experience! Freshly installed blinds for for Over-Sized View Windows! Walking Distance to: Award Winning Public & Private Schools, Restaurants, paths around the lake, Beach Lagoon, HOA Pools & Spa, Tot-Park, access point to O'Neill Park hiking & biking trails, sports park, etc. To top it off, no need to drive to 4th of July Fireworks, this home is in the epicenter of activity! What a value...You'll be PROUD to call this home!

28 Blue Oak Unit 96, Rancho Santa Margarita

$1,200,000

3 Beds ⋅ 3 Baths ⋅ OC26213544 MLS ⋅ Active Status

**Sellers are in escrow & highly motivated to secure a successful sale. Don’t miss this opportunity—bring your offer!** **Welcome to Cabrillo Vista, one of Rancho Santa Margarita’s most desirable neighborhoods!** This beautifully cared-for home showcases true pride of ownership, stunning Saddleback Mountain views and a thoughtfully designed interior. The spacious kitchen and dining areas flow into a spectacular family room with soaring vaulted ceilings and over 430 square feet of living space. French doors open to a covered Alumawood patio, creating the perfect indoor-outdoor setting for relaxing and entertaining. Numerous upgrades include a **remodeled kitchen with custom cabinetry (2019), all three remodeled bathrooms (2023), and a brand-new 4-ton Rheem A/C system installed in June 2026** with a 10-year compressor and parts warranty and 5-year labor warranty. Additional features include LED lighting, ceiling fans throughout, Elfa® closet and laundry shelving, custom upstairs cabinetry, a resurfaced bonus room ceiling, epoxy-coated garage floor and a **2026 LiftMaster Wi-Fi garage door opener** operated by phone or keypad. Enjoy walking distance to a community pool, plus access to **SAMLARC amenities including pools, parks, hiking and biking trails, year-round community events and the beautiful Santa Margarita Beach Club.** With its exceptional location, mountain views, extensive upgrades and outstanding community amenities, this home offers the best of the Rancho Santa Margarita lifestyle.

4 Velarde Court, Rancho Santa Margarita

$899,999

3 Beds ⋅ 3 Baths ⋅ OC26206193 MLS ⋅ Active Status

Welcome To 33 Fuente, A Beautifully Updated Residence In The Highly Desirable Tierra Linda Community Of Rancho Santa Margarita. Offering The Space, Privacy And Functionality Of A Single-Family Home, This Spacious 3-Bedroom, 2.5-Bath Residence Features 1,777 Square Feet Of Thoughtfully Designed Living Space, A Direct-Access Two-Car Garage, And Beautiful Hills, Mountain And Valley Views. **A New Roof Is Included With The Sale, HOA’s Scheduled Roof Replacement Is Taking Place In Late October/Early November—Providing The Next Owner With An Important New Upgrade And Added Peace Of Mind.** Step Inside And You’re Welcomed By An Open, Light-Filled Floor Plan With Soaring Ceilings, Recessed Lighting And A Comfortable Flow Between The Living, Dining And Kitchen Areas. The Remodeled Kitchen Is Designed For Both Everyday Living And Entertaining, Featuring Quartz Countertops, A Gas Cooktop, Double Oven, & an Expansive Breakfast Counter. The Living Room’s Gas Fireplace Creates A Warm And Inviting Focal Point, Lacking No Privacy, The Home’s Elevated Position & Ne Rear Neighbors Takes Full Advantage Of The Peaceful Surrounding Views. Upstairs, Three Spacious Bedrooms Offer Privacy And Comfort, Including A Generous Primary Suite With A Walk-In Closet And An Updated Primary Bath Featuring Dual Sinks And Quartz Countertops. Central Air & Whole-House Fan Provide Year-Round Comfort, While The Attached Two-Car Garage With Direct Access & Long Enough Driveway to Park In Also Adds The Everyday Convenience Buyers Appreciate. Beyond The Home, Tierra Linda Lifestyle Makes Rancho Santa Margarita So Desirable. Enjoy Easy Access To Tijeras Creek Golf Course, Scenic Hiking And Biking Trails, Resort-Style Pools And Spas, Basketball, Tennis And Pickleball Courts, A Clubhouse, Playground & Dog Park. It’s A Community Designed For An Active Southern California Lifestyle, While Still Offering The Peace & Comfort Of A Beautiful Residential Neighborhood. Imagine Starting Your Morning With Coffee & Mountain Views, Spending The Afternoon At The Pool Or On The Trails & Coming Home To A Spacious Residence That Feels Comfortable, Private And Easy To Live In. With Its Generous Floor Plan, Remodeled Kitchen, Beautiful Views, Included New Roof, Direct-Access Garage And Prime Tierra Linda Location, 33 Fuente Offers A Rare Combination Of Space, Lifestyle And Convenience In The Heart Of Rancho Santa Margarita. Come Experience The Lifestyle For Yourself—Welcome Home To 33 Fuente!

33 Fuente, Rancho Santa Margarita

$685,000

2 Beds ⋅ 2 Baths ⋅ OC26210750 MLS ⋅ Active Status

REDUCED RATE FOR THE FIRST YEAR! Seller will consider a credit toward a 1 year temporary interest rate buy-down with an acceptable offer at or near list price, for a lower monthly payment. Subject to buyer's lender and loan program approval. Tucked into Tijeras Creek Villas, this beautifully updated first floor condo offers comfortable living with inviting spaces indoors and out. The remodeled kitchen features quartz countertops and a tile backsplash, while hardwood flooring flows through the living areas and both bedrooms. A fireplace refreshed with glass rocks brings a touch of sparkle to the living room, alongside a built-in entertainment center. Both bedrooms have en-suite bathrooms and access to their own outdoor spaces. The primary bathroom features an updated vanity, while the second bedroom opens to a screened-in porch. A wraparound enclosed patio offers even more room to relax, dine or enjoy your morning coffee. Updated appliances and a water heater add to the home’s appeal. An enclosed garage and two assigned parking spaces provide welcome convenience. Close to parks, shopping and dining, with access to the RSM Lake and Beach Club, this is an inviting place to call home in Rancho Santa Margarita.

68 Via Contento, Rancho Santa Margarita

$675,000

2 Beds ⋅ 3 Baths ⋅ PW26211116 MLS ⋅ Active Status

Beautifully updated home in the desirable Mission Courts II community of Rancho Santa Margarita, offering a thoughtfully remodeled interior, abundant parking, and access to an incredible collection of community amenities. The kitchen has been completely rebuilt with new cabinetry featuring soft-close doors and drawers, quartz countertops, stainless steel appliances, and a new range. High-quality laminate flooring flows throughout the living areas, complemented by recessed dimmable lighting and ceiling fans in every room. All bathrooms have been remodeled, with quartz countertops upstairs and marble in the downstairs bath. The primary bath features a beautifully updated shower, modern finishes, and custom storage. Additional upgrades include an HVAC system replaced in 2019, partially updated ductwork, and an AC system capable of accommodating HEPA-quality filtration. The living room is prewired for a full seven-channel surround sound system with convenient access for TV mounting and connections. Outside, enjoy a private patio finished with pavers, perfect for relaxing or entertaining. Parking is a standout feature with a one-car garage plus two additional parking permits, providing parking for up to three vehicles. The garage also features 120V electrical outlets. Mission Courts II residents enjoy a community pool, spa, and children's play area, along with access to SAMLARC amenities including pools, pickleball and tennis courts, picnic areas, playgrounds, softball fields, hiking and biking trails, and the Lago Santa Margarita Beach Club and lagoon. Conveniently located near Lake Rancho Santa Margarita, shopping, dining, recreation, and highly regarded local schools, this updated home offers the best of the Rancho Santa Margarita lifestyle.

1 Box Elder, Rancho Santa Margarita

$989,000

4 Beds ⋅ 3 Baths ⋅ OC26207074 MLS ⋅ Active Status

**GOLF COURSE LIVING AT ITS BEST!** Welcome to an exceptional Rare 4 Bedroom townhome with a downstairs room, perfectly positioned along the **3rd hole of Tijeras Creek Golf Course** offering beautiful golf course views. Step inside and discover a **brand-new remodeled kitchen** that creates a fresh, modern centerpiece for the home with views to the golf course. The open, inviting interior with light tile flooring for easy care, and Dual Paned windows throughout, is filled with natural light, while the golf course setting provides a wonderful backdrop throughout the property. Step outside to the **large private yard featuring low-maintenance Natural stone and engineered grass** plenty of room for outdoor dining, entertaining, or simply relaxing and enjoying the views. Imagine starting your morning overlooking the fairway or unwinding in the evening as the sun sets over the course. Downstairs office area can easily convert to the 4th bedroom with a good sized bath and shower just across the hallway. Large Upstairs Primary with golf views and a beautiful Remodeled Bathroom with grey tiles, quartz counter. and 2nd upstairs bedroom has its own upgraded bathroom. The 4th bedroom was added by the owner, and is perfect for a growing family. The combination of a **newly remodeled kitchen, generous outdoor space, and a prime location directly on Tijeras Creek Golf Course** makes this home truly special. 2 Car Garage gives direct access to the home. New AC/HVAC. Located in the Arroyo Canyon area of Rancho Santa Margarita, you'll also enjoy convenient access to shopping, dining, parks, trails, recreation, and all the amenities that make this community such a desirable place to call home. Voted the second safest city in California 2026 Residents enjoy a community pool and Jacuzzi., and a small playground. City amenities include beautiful parks, swimming pools, a beach club with a lagoon, BBQ and picnic areas, a lake walk, playgrounds, sports fields, tennis, pickleball, basketball, and volleyball courts. Additional features include a dog park, skate park, and hiking and biking trails just steps away. Distinguished schools, low taxes of 1.02%, and No Mello Roos complete this perfect package. Don't miss the chance to make this exceptional home yours! Best Deal under 1 Million Available in RSM

44 Pinzon, Rancho Santa Margarita

$1,010,000

3 Beds ⋅ 3 Baths ⋅ OC26198177 MLS ⋅ Active Status

Welcome to stunning home, FHA approved, 3bedroom 3bathroom with 2BED,2BAT & large LOFT upstairs that can easily be a playroom, library, office study or second living/family room ,1BED,1BAT downstairs very desirable floor plan home has it all... enter to step down over sized living room with fireplace soaring cathedral ceilings, plantation shutters, Downstairs greets you with the kitchen boasting cherry wood cabinets, stacked stone back splash and granite counter! formal dining area over looks main living room area with glass doors leading to your own private large patio offering lots of privacy! With the new Roof and Exterior painting from HOA. 2 car garage with the Electrical Car Charger. This home is in the desirable Tierra Linda tract of RSM, which is adjacent to Tijeras Creek golf course, CUL-DE-SAC! pool, canyon views, horse trails, hiking, and family resort style living! City Amenities include Beach Club, Tennis, Skate Park, Dog Park, Children's Park, BBQ areas, Sport Fields, Arroyo Vista Elementary, Capo Valley District and award-winning Schools

87 Fuente, Rancho Santa Margarita

$455,000

1 Beds ⋅ 1 Baths ⋅ 26989369 MLS ⋅ Active Under Contract Status

TURNKEY UPPER UNIT. LIVE IN IT NOW, GENERATE RENTAL INCOME LATER. Brand-new luxury vinyl plank flooring, fresh interior paint, new kitchen appliances, and a new LG WashTower make this quiet 1 bedroom, 1 bathroom home truly turnkey. High ceilings and open floor plan add spaciousness and volume throughout the 643 square foot interior. - The private balcony, accessible from both the living room and bedroom, extends the living space outdoors beneath mature trees that create a peaceful sense of arrival.The kitchen features clean line cabinets, granite countertops and all new stainless steel appliances, including new Whirlpool five burner gas range, an LG over the range microwave hood, a Frigidaire dishwasher, and Frigidaire counter depth stainless steel side-by-side refrigerator. - A freshly painted, private detached one car garage with MyQ automatic garage door opener provides secure parking and extra storage for seasonal items and recreational equipment. - Tijeras Creek Villas offers pool, spa, fitness facilities, barbecue areas, playgrounds and well-maintained outdoor spaces. As a resident, you'll also gain access to Rancho Santa Margarita's SAMLARC - a premier Master Homeowners Association, offering access to the lake, 13 parks, 4 pools, the Beach Club Lagoon & the Lago Santa Margarita as well as parks, trails, sports courts.Quiet, refreshed, and ready for its next owner, this property offers low-maintenance Orange County living. *Turnkey property. Live happy. Welcome home.*

87 Via Contento, Rancho Santa Margarita

$419,999

1 Beds ⋅ 1 Baths ⋅ TR26203463 MLS ⋅ Active Status

LOCATION, LOCATION, LOCATION! Welcome to this charming ground-level 1-bedroom, 1-bath condo in the heart of Rancho Santa Margarita. The convenient ground-floor location offers easy access and a comfortable, functional layout with plenty of potential to make it your own. Enjoy the community amenities and everything Rancho Santa Margarita has to offer, including nearby shopping, dining, parks, trails and outdoor recreation. Whether you’re looking for a place to call home or an investment opportunity, this condo offers a great combination of location, convenience and potential. Don’t miss this opportunity to own in Rancho Santa Margarita!

75 Via Meseta, Rancho Santa Margarita

$749,900

2 Beds ⋅ 2 Baths ⋅ PW26201222 MLS ⋅ Active Status

BUYERS — LOWER YOUR INTEREST RATE! Seller will consider a concession of up to $15,000 toward a temporary 2-1 interest rate buydown and/or allowable closing costs with an acceptable offer. Buyer qualification, loan program eligibility, rates, and terms are subject to lender approval. PANORAMIC GOLF COURSE VIEWS! One of the Best Views in Tijeras Creek Villas! Absolutely stunning and completely redesigned 2-bedroom, 2-bath upper-level end-unit condominium in the highly desirable Tijeras Creek Villas, featuring one of the very best locations and views in the entire community. This spacious Alisal floor plan offers approximately 1,170 square feet of light-filled living space with soaring vaulted ceilings, an open and inviting layout, and spectacular panoramic views overlooking Tijeras Creek Golf Course. The beautifully remodeled kitchen features white shaker cabinetry with soft-close doors and drawers, quartz countertops, stainless steel appliances, modern fixtures and generous workspace, all opening to the main living and dining areas. Luxury vinyl flooring flows throughout the home, while the living room is anchored by a beautifully custom-tiled fireplace and expansive windows that showcase the incredible setting. The spacious primary suite is a true retreat with direct access to the large wraparound balcony, breathtaking golf course and hillside views, generous closet space, a dual-sink quartz vanity, new cabinetry and beautifully updated finishes. The secondary bedroom is privately positioned on the opposite side of the home and enjoys access to its own separate balcony, creating an ideal space for guests, a home office or quiet outdoor retreat. Both bathrooms have been completely redesigned with new cabinetry, quartz vanities, modern fixtures and stylish finishes. Additional highlights include two private balconies, indoor laundry, central air and heat, updated lighting and fixtures, a private one-car garage and additional covered parking. Tijeras Creek Villas offers resort-style amenities including two pools, two spas, fitness center, sauna, BBQ areas, playgrounds and beautifully maintained grounds. Residents also enjoy SAMLARC amenities including access to Lago Santa Margarita, the Beach Club Lagoon, parks, pools, sports courts, trails and community events. With its exceptional end-unit location, two outdoor living spaces and truly outstanding golf course views, this completely remodeled home offers a rare opportunity in Rancho Santa Margarita.

12 Via Solaz, Rancho Santa Margarita

$529,900

2 Beds ⋅ 2 Baths ⋅ RS26197553 MLS ⋅ Active Status

Views! Views! Views! Welcome to Mission Courts II! This light, bright, and private upper-end unit offers spectacular mountain views from two spacious decks and an ideal location with only one shared wall and no one above or below. Windows on three sides fill the home with natural light, and you're just a short stroll from beautiful Rancho Santa Margarita Lake. This 2-bedroom, 2-bath home features a functional floor plan with soaring vaulted ceilings, a cozy fireplace, and an oversized A/C unit. The versatile second room is currently configured as a den, offering flexibility as a home office, guest room, or easily restored second bedroom. The home provides an excellent opportunity to personalize and create the living space that fits your style while enjoying its outstanding location, desirable layout, exceptional privacy, and breathtaking views. The property also includes a detached one-car garage and an additional assigned parking space. Residents enjoy outstanding community amenities, including a pool, tennis courts, parks, and convenient access to nearby shopping, restaurants, schools, and the scenic Rancho Santa Margarita Lake.

1 Dogwood, Rancho Santa Margarita

Start Your Search

Based on information from California Regional Multiple Listing Service, Inc. as of . This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.