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3 Sembrado, Rancho Santa Margarita, CA 92688

$1.85M5bd · 5ba · 4,307 sqft
Lot 6,000 sqft•HOA $193.43/mo•Single Family Residence•
Active
•82d on market•MLS# OC-26153303

Property Description

Welcome to this beautifully designed 5-bedroom, 4.5-bathroom home offering approximately 4,307 square feet — one of the best values for this much space in South Orange County. Set on a quiet cul-de-sac near award-winning schools, with tasteful upgrades and an expansive floor plan, this home delivers the space, comfort, and lifestyle buyers are looking for, all without compromise. Ask agent about potential seller assist in buying down Buyer's interest rate with acceptable offer. Custom iron doors open to a grand entry that flows into a spacious formal living room and formal dining room. Crown molding, recessed lighting, plantation shutters, and elevated baseboards add a polished feel throughout. The open kitchen is designed for everyday living and effortless entertaining, with stainless steel appliances, double ovens, a center island, and a layout that opens directly to the family room — perfect for holidays, dinner parties, or casual nights at home. A standout feature of this home is its flexibility: with three separate ensuite bedrooms, it's ideally suited for multi-generational living, visiting guests, or anyone who wants extra privacy built in. The main level offers a bedroom with its own upgraded ensuite bathroom, perfect for guests or family members who prefer to avoid stairs, plus a guest bathroom and dedicated laundry room. Upstairs, a massive open loft offers endless flexibility for a second living area, playroom, or home office. A second ensuite bedroom has its own private upgraded bathroom with subway tile and an upgraded vanity, while the two remaining secondary bedrooms share a beautifully upgraded bathroom a subway-tiled shower. The expansive primary suite feels like a true retreat, with a cozy fireplace, generous sitting area, walk-in closets, and upgraded vanities — spacious, private, and the place you'll look forward to escaping to at the end of the day. For added comfort and peace of mind, the home has been completely repiped, includes a whole house fan, and features an owned 28-panel solar system that helps reduce electricity costs. Enjoy a private backyard along the hillside and three citrus trees in front. This home also includes access to resort-style community amenities, including four Olympic-sized swimming pools, the RSM Beach Club swim lagoon, sport courts, parks, and trails. Simply put — this is an extraordinary amount of home, in an unbeatable location, at a value that's hard to find anywhere else in South Orange County.

Features & Amenities

FeeBuilt 1990

Property Details

Land Type
Fee
Year Built
1990
Property Type
Residential
Property Subtype
Single Family Residence
Parking Spaces
6
Garage Spaces
3
Heating
Fireplace(s), Forced Air
Cooling
Central Air
View
Park/Greenbelt
Flooring
Carpet, Tile, Wood
Roof
Tile
City
Rancho Santa Margarita
Zip Code
92688
County
Orange
Listed byUnknown Office, Jim Bishop

Mortgage Calculator

Current Rates

$
$
%
Monthly Payment
$9,354.60
Principal & Interest
Loan Amount
$1,479,999
Total Interest
$1,887,657
Total Payment Over 30 Years
$3,367,656
This calculator provides estimates only. Actual mortgage payments may include taxes, insurance, HOA fees, and PMI. Contact a lender for accurate quotes.

Comparative Market Analysis

Luxury Tier · 5 active · 3 closed

3 Sembrado, Rancho Santa Margarita, CA 92688

Rancho Santa Margarita · Single Family Residence

$1.85M
Luxury Tier
Beds
5
Baths
5
Sqft
4,307
Lot
6,000 sqft
Year
1990
$/Sqft
$430
Pool: Yes✓
Spa: Yes✓
View: Park/Greenbelt✓
Garage: 3-car✓

Listed 16.3% below the median closed sale of $2,210,000. Price per sqft ($430) is a 27% discount to closed comps ($591). Closed comps sold at 100% of list — strong seller's market. Luxury tier — fewer comparable sales widen the confidence range.

Price Position

Priced below the market — value advantage over the field.

Price advantage
Subject listed at $1.85M· $430/sqft
Total list price
Closed comps
vs closed median $2.21M
−$360K (−16.3%)
Active comps
vs active median $3.35M
−$1.50M (−44.8%)
Price per sqft
Closed compsinsufficient comp data
Active comps
vs active avg $/sqft $678
−$248 (−36.6%)

Active Properties (5)

Active Comparables

AddressCityYearBDBTHSqFtLotSzLP/SqFtLPDIMScore
28 WinslowLadera Ranch1999553,7926,601$633$2.40M4092
2 Water LilyCoto de Caza1999564,4128,783$759$3.35M583
1132 Summit OakLake Forest2018554,7696,351$710$3.38M5280
10 Thorn OakRancho Santa Margarita1996554,1707,500$598$2.50M9580
5512 Heritage Oak DriveLake Forest2020554,9006,325$691$3.39M3580
Total: 5 · Average5.05.24,408.67,112$678.2$3.00M45.4
Median4,412$3.35M

Closed Properties (3)

Closed Comparables

AddressCityYearDateBDBTHSqFtLotSzLPSPSP/SqFtSP/LPDIMScore
14 Thorn OakRancho Santa Margarita199505/26/2026654,0355,760$2.21M$2.21M$5481.003882
21911 Via Del LagoRancho Santa Margarita199105/26/2026543,7287,000$2.20M$2.05M$5500.933977
49 Bell Canyon DrRancho Santa Margarita199405/08/2026644,00810,150$2.50M$2.71M$6761.082762
Total: 3 · Average5.74.33,923.6677,636.667$2.32M$2.32M$591.333—34.666666666666664
Median4,008$2.21M$2.21M

Market Analysis

List vs Sale $/SqFt

Sale Price Trend

Days on Market

Sale vs List Price

AI-generated CMA

This analysis was generated automatically from MLS data. For an in-depth, human-reviewed valuation, contact Joseph Sardella at josephsardella@gmail.com.