92688 Homes with HOA

92688 Homes with HOA

Welcome to the charming community of Rancho Santa Margarita, nestled in the heart of Orange County, California, where the zip code 92688 serves as a gateway to a vibrant lifestyle. This picturesque area is known for its serene landscapes, family-friendly atmosphere, and a strong sense of community, making it an ideal location for both families and individuals alike.

Homes in the 92688 zip code often come with the added benefit of Homeowners Associations (HOAs), which help maintain the beauty and integrity of the neighborhoods. These associations typically offer a range of amenities, including sparkling pools, well-maintained parks, and recreational facilities, ensuring residents have ample opportunities to socialize and enjoy outdoor activities. The HOA also plays a crucial role in upholding community standards, providing peace of mind for homeowners.

Rancho Santa Margarita is surrounded by stunning natural beauty, with nearby hiking trails, scenic lakes, and lush parks that invite outdoor enthusiasts to explore. The community is also conveniently located near shopping centers, dining options, and top-rated schools, making it a perfect blend of convenience and tranquility.

Whether you are searching for a cozy townhouse or a spacious family home, the 92688 area offers a diverse selection of properties to suit various lifestyles and budgets. With its welcoming ambiance and well-maintained neighborhoods, Rancho Santa Margarita is not just a place to live; it’s a place to thrive. Come discover the charm of 92688 and find your dream home today!

Newest 92688 Homes with HOA

25 Encantado, Rancho Santa Margarita
$799,000
2 Beds ⋅ 3 Baths ⋅ LG26235796 MLS ⋅ Coming Soon Status
Shade, quiet, and a list price under $800,000 in Rancho Santa Margarita. That is not a combination you see every day. Start with the back deck, where an aluminum patio cover turns the yard into a place you will actually use, from morning coffee to evening wind down. The street is a quiet cul de sac in a golf course setting, and the two car garage is attached, so coming home is easy. Upstairs and down, the 2 bedrooms and 2.5 baths are laid out simply, with room to freshen things up your way. Washer and dryer are offered, and the sellers will provide a one year home warranty once in contract. Community pool access and Capistrano Unified schools complete the picture. Come see how it feels in person.

25 Encantado, Rancho Santa Margarita
Rancho Santa Margarita
$1,349,000
3 Beds ⋅ 3 Baths ⋅ 260026205SD MLS ⋅ Coming Soon Status
PROFESSIONAL PHOTOS TO COME! Welcome to 10 San Tomas, a beautifully updated, move-in-ready home tucked away on a quiet cul-de-sac in Rancho Santa Margarita's desirable Arroyo Vista community, within the highly rated Capistrano Unified School District. Offering 2,045 sq. ft., 3 bedrooms, 2.5 baths, and a 3-car garage, this spacious residence impresses with soaring vaulted ceilings, abundant natural light, and an inviting, open floor plan. The updated kitchen features a charming breakfast nook and flows effortlessly into the dining and living areas, where a cozy fireplace creates the perfect gathering space. Upstairs, the generous primary suite offers vaulted ceilings, a walk-in closet, and a beautifully remodeled ensuite bathroom. Two additional bedrooms and a spacious loft provide flexibility for a home office, playroom, or second living area. The loft also offers potential for conversion to a fourth bedroom. Step outside to a private backyard with no rear neighbors, room for gardening, and a BBQ area ideal for dining and entertaining. Fresh interior paint, new carpet, thoughtful improvements throughout, and solar add to the home's move-in-ready appeal. Arroyo Vista residents enjoy their own neighborhood pool plus access to SAMLARC amenities, including parks, pools, tennis courts, and scenic trails. Enjoy convenient proximity to Rancho Santa Margarita Lake, Tijeras Creek Golf Club, O'Neill Regional Park, shopping, and dining. Nearby schools include Arroyo Vista Elementary, Arroyo Vista Middle, and Tesoro High School.

Rancho Santa Margarita
8 Santa Teresa, Rancho Santa Margarita
$1,275,000
3 Beds ⋅ 3 Baths ⋅ OC26234801 MLS ⋅ Active Status
Beautiful three-bedroom,2.5 bath home at the end of a cul-de-sac. featuring new waterproof, scratch resistant laminate flooring throughout, fresh paint, and new showers with glass shower doors. The kitchen offers granite countertops, a microwave, and gas stove oven. Dual pane windows complement the home, while the primary suite features double vanities and walk-in closet. Enjoy a spacious backyard with magnificent mountain views and a two-car garage with new epoxy flooring. Conveniently located near hiking and biking trails and parks. This home also offers access to an association pool, spa and Rancho Santa Margarita Lake.

8 Santa Teresa, Rancho Santa Margarita
131 Tierra Montanosa, Rancho Santa Margarita
$750,000
2 Beds ⋅ 2 Baths ⋅ OC26230997 MLS ⋅ Active Status
A prime corner end-unit location! This beautifully remodeled 2-bedroom carriage-style home offers a rarely available floorplan featuring an EXPANDED LOFT, providing exceptional versatility as a home office, media room, playroom, or additional living space. Soaring ceilings, an abundance of windows, and natural light create an inviting, open atmosphere, while a cozy fireplace anchors the living room. The thoughtfully designed interior features attractive vinyl plank flooring throughout, FRESHLY PAINTED THROUGHOUT, and an open-concept living and dining area that flows seamlessly into the kitchen, complete with BRAND NEW KITCHEN APPLIANCES, generous cabinetry, and a convenient breakfast bar. Just off the living area, is an oversized covered balcony that provides a wonderful outdoor retreat with ample space for seating and entertaining, along with area views — a perfect extension of the interior living space. The generously sized primary bedroom comfortably accommodates a king-size bed with ample room for additional furnishings and features a spacious walk-in closet. The adjoining primary bathroom offers a newly installed dual-sink vanity, updated lighting, and plumbing fixtures. The guest bathroom has also been refreshed with a new vanity, lighting, and fixtures. SIGNIFICIANT IMPROVEMENTS add to the home's appeal, including COMPLETE RE-PIPE, a NEWER FURANCE AND A/C SYSTEM, and a TANKLESS WATER HEATER. Additional highlights include an extra-wide 2-car garage with direct interior access and ample nearby guest parking. This move-in-ready residence offers a wonderful opportunity to enjoy a community pool and spa along with the Rancho Santa Margarita lifestyle featuring Top-Tier schools and access to resort-style amenities including the Beach Club Lagoon, multiple pools, parks, sports courts and scenic trails.

131 Tierra Montanosa, Rancho Santa Margarita
54 Vista La Cuesta, Rancho Santa Margarita
$635,000
2 Beds ⋅ 2 Baths ⋅ OC26232237 MLS ⋅ Active Status
Welcome to 54 Vista La Cuesta, a beautifully updated 2-bedroom, 2-bathroom upper-level end-unit condo nestled among mature trees in the desirable Vista La Cuesta community of Rancho Santa Margarita. Offering privacy, natural light, and scenic views of nearby O'Neill Regional Park, this home combines comfort and convenience in a peaceful setting. Step inside to an inviting open floor plan featuring vaulted ceilings, a cozy fireplace, recessed lighting, and laminate flooring throughout. The remodeled kitchen offers stainless steel appliances, updated countertops, and generous storage. The spacious primary suite includes a walk-in closet, an additional closet, and an updated bathroom with a walk-in shower. Additional highlights include indoor laundry, an attached one-car garage with overhead storage, driveway parking, and an assigned parking space. Enjoy access to the community pool, spa, and BBQ areas, along with Rancho Santa Margarita's incredible amenities, including the Beach Club, parks, pools, tennis and pickleball courts, and scenic trails. Conveniently located near Rancho Santa Margarita Lake, shopping, dining, and local schools, this home offers the perfect blend of privacy, convenience, and the Southern California lifestyle.

54 Vista La Cuesta, Rancho Santa Margarita
45 Santa Agatha, Rancho Santa Margarita
$675,000
2 Beds ⋅ 2 Baths ⋅ OC26232226 MLS ⋅ Active Status
Located in the highly sought after Casafina community, this updated ground-level corner end-unit home features 1,027 square feet of living space spread out over a well thought out open and airy floor plan that is the perfect blend of design and functionality. As you walk through the door you are welcomed to a warm and inviting home that features a spacious living room complete with a cozy fireplace and an open dining area, an open kitchen with white shaker cabinetry, stainless steel appliances, and plenty of counter space for all of your needs. In addition, there are 2 spacious bedrooms, 2 full bathrooms, an interior laundry room, and an attached 1 car garage, complete with a storage room, with direct access to and from the home. Furthermore, the home features gorgeous flooring, energy efficient dual-pane windows, high ceilings, recessed lighting, central air conditioning and heating, ceiling fans, light and bright paint throughout, and an abundance of windows that fill he home with natural light and cool breezes, The Casafina community is an extremely well maintained pride of ownership neighborhood featuring Spanish style architecture, a sparkling pool and jacuzzi, a player ground, an abundance of landscaping and green spaces, quiet private streets, plenty of guest parking, good vibes, and great neighbors! As if that isn't enough, as part of the Casafina community you get access to the exclusive Rancho Santa Margarita Beach Club and Lagoon, and all of it's resort-like amenities which include olympic-sized pools, lounge decks, sports courts, walking paths, and picnic areas. In terms of location, it doesn't get any better than this. Primely located in one of the best parts of Rancho Santa Margarita, in a great neighborhood, this home is conveniently located near shopping, dining, entertainment, great schools, parks, playgrounds, trails, the freeway, and major transit and thoroughfares. Don't miss your chance to call this amazing home yours!

45 Santa Agatha, Rancho Santa Margarita
2 Via Entrada, Rancho Santa Margarita
$699,000
2 Beds ⋅ 2 Baths ⋅ OC26232125 MLS ⋅ Active Status
Corner unit with a secret: it lives like a house. Pool on one side, Tijeras Creek Golf Course on the other, Saddleback Mountain standing guard like it's part of the deal. Lower level, two bedrooms, two baths, where someone spent money on the right things—luxury vinyl that flows, granite that grounds the kitchen, stainless steel that makes cooking feel intentional. The layout breathes. An open floor plan that doesn't force connection but allows it, master suite tucked privately in back with its walk-in and spa-level bath, guest room on the opposite side insuring privacy. Everything where it should be. But here's what sets this apart from other condos you've toured: your own front door, your own two-car garage with direct access, your own entrance that never asks you to share. While neighbors navigate hallways and hunt for parking, you're living the single-family experience without the single-family maintenance. Artificial turf stays magazine-perfect. The patio holds morning coffee as well as evening wine. Lake RSM access means actual beach days. Tennis courts with nets that stay tight. Sand volleyball where games break out. This isn't fee collection dressed up as community—it's the lifestyle you're buying into, already in motion. The location delivers. Schools that perform. Restaurants worth discovering. The kind of neighborhood where kids bike to friends' houses and adults walk dogs without checking the time. This is move-in ready for people who know what that means. This address doesn't just work—it hums. The mountain isn't going anywhere.

2 Via Entrada, Rancho Santa Margarita
16 Calle Maria, Rancho Santa Margarita
$869,000
2 Beds ⋅ 2 Baths ⋅ OC26231940 MLS ⋅ Active Status
Welcome to 16 Calle Maria in the highly desirable lakeside community of Marbella in Rancho Santa Margarita! Rarely available SINGLE STORY living filled with character and charm, this inviting home offers 2 bedrooms, 2 bathrooms, and an attached 2-car garage with a driveway, plus only one shared wall for added privacy. Plenty of guest parking is conveniently located directly in front of the home, making it easy to welcome family and friends. The grand living room is truly the heart of the home, featuring soaring high ceilings, recessed lighting, and a romantic fireplace with a custom mantel, creating a warm and inviting ambiance. The charming dining alcove showcases custom stained glass windows that add timeless character and architectural charm. If you are looking for that WOW factor, this is it! The perfect space to relax, entertain, and create lasting memories. The spacious primary suite features vaulted ceilings and dual oversized walk-in closets with custom closet organizers, providing exceptional storage and organization while creating a true sense of space and comfort. The primary bathroom is enhanced by a skylight that fills the space with beautiful natural light, creating a bright and airy retreat. This home has been beautifully refreshed with brand-new laminate flooring, new baseboards, fresh interior paint in Dunn-Edwards Light Beige, new recessed lighting, updated electrical switches and outlets, and new bathroom light fixtures, making it truly move-in ready. Plantation shutters in select rooms add timeless style and warmth throughout. Enjoy everything Marbella has to offer, just moments from the lake, resort-style pool and spa, parks, restaurants, shopping, and scenic walking trails. This is a rare opportunity to own a charming SINGLE STORY home in one of Rancho Santa Margarita's most sought-after communities.

16 Calle Maria, Rancho Santa Margarita
39 De Lino, Rancho Santa Margarita
$649,888
2 Beds ⋅ 2 Baths ⋅ OC26224806 MLS ⋅ Active Status
LOCATION, LOCATION, LOCATION! One of the BEST locations in the highly desirable Belflora community! This elevated, upper-level corner unit near a quiet cul-de-sac offers beautiful Saddleback Mountain views, abundant natural light, and an incredible Rancho Santa Margarita lifestyle! Welcome to 39 De Lino, a beautifully updated 2-bedroom, 2-bath home offering 1,110 sq. ft. of inviting living space. Enjoy high ceilings, recessed lighting, a cozy fireplace, remodeled kitchen with granite countertops, updated bathrooms, and newer carpet installed in 2024. The spacious primary suite features dual sinks, while the private balcony offers scenic mountain views. Additional highlights include central AC/heating, indoor laundry, and a detached garage. MAJOR HOA IMPROVEMENTS include community-wide repiping (2024–2025), exterior painting (August 2026), roof power washing, patio resealing, landscaping enhancements (2025), and new common-area furniture! THE LOCATION IS EXCEPTIONAL! Walk to the community pool, nearby parks, scenic trails, Rancho Santa Margarita Lake, Beach Club Lagoon, and Mercado del Lago shopping and dining. Enjoy SAMLARC recreational amenities, nearby schools, and convenient access to major roads and toll roads. Beautiful views, an updated home, and an AMAZING lake lifestyle!

39 De Lino, Rancho Santa Margarita
19 Calle De Suenos, Rancho Santa Margarita
$975,000
4 Beds ⋅ 3 Baths ⋅ OC26227156 MLS ⋅ Active Status
Welcome to 19 Calle de Suenos, a charming detached home situated on a desirable corner lot in the Los Abanicos community of Rancho Santa Margarita. Light, bright, and inviting, this spacious 4-bedroom, 2.5-bath home offers approximately 1,498 square feet of comfortable living space. Soaring ceilings and an abundance of natural light create an open and airy atmosphere throughout. The thoughtfully designed floor plan features separate living and family rooms, a cozy fireplace, and a spacious primary suite complete with a walk-in closet and relaxing soaking tub. One of the home’s most impressive features is the exceptionally spacious wraparound backyard, a rare find in this community! The desirable corner location allows for an expansive outdoor retreat with plenty of room to relax, entertain, or simply enjoy the Southern California sunshine. A charming fountain adds a peaceful ambiance, while mature fruit trees bring natural beauty and character to the outdoor space. Whether enjoying your morning coffee, dining outdoors, or hosting gatherings with friends, this delightful backyard offers endless possibilities. Additional highlights include an attached two-car garage with direct access. Conveniently located near parks, shopping, dining, and the many recreational amenities Rancho Santa Margarita has to offer, this home combines comfortable living with an exceptional outdoor setting.

19 Calle De Suenos, Rancho Santa Margarita
12 Calle Ranchera, Rancho Santa Margarita
$995,000
2 Beds ⋅ 2 Baths ⋅ PW26227025 MLS ⋅ Active Status
SINGLE LEVEL LIVING IN RANCHWOOD! Welcome home to 12 Calle Ranchera, a detached 2 bedroom, 2 bath residence offering 1,139 square feet of thoughtfully updated living on a quiet interior street in the heart of Rancho Santa Margarita. Great curb appeal sets the tone with low maintenance turf and a private driveway leading to a 2 car attached garage with direct access. Inside, laminate flooring flows throughout an open floorplan filled with natural light, while plantation shutters and dual pane windows add comfort and style. Vaulted ceilings lift the living area, where a fireplace creates a warm gathering spot for quiet evenings and easy entertaining. The updated modern kitchen is a true standout, showcasing white shaker cabinets, quartz countertops, a blue subway tile backsplash, black hardware, and recessed lighting. The large primary suite also features vaulted ceilings, large closets and an updated ensuite with a vanity area, double sinks, and a walk in tiled shower. An updated guest bath serves the second bedroom, ideal for guests, a home office, or family. Step outside to a large, open backyard with concrete patio and artificial turf, ready for weekend barbecues, play, gardening, or simply relaxing in the Southern California sunshine. The home is equally appealing as a primary residence or a smart investment. Ownership includes SAMLARC, one of Orange County’s premier master associations, with access to the Lago Santa Margarita Beach Club and sandy lagoon, the lake, community pools, parks, clubhouses, tennis, pickleball, basketball and volleyball courts, picnic shelters, amphitheaters, and miles of scenic trails, plus year round community events. Families will appreciate highly regarded Saddleback Valley Unified schools, including Trabuco Mesa Elementary, Rancho Santa Margarita Intermediate, and Trabuco Hills High. Neighborhood parks, O’Neill Regional Park, and shopping and dining at the town center are all close by, with convenient access to the 241 toll road. Simple, stylish, and move in ready, this is the one you have been waiting for!

12 Calle Ranchera, Rancho Santa Margarita
4 El Vaquero, Rancho Santa Margarita
$1,149,900
3 Beds ⋅ 3 Baths ⋅ OC26224578 MLS ⋅ Active Status
This home qualifies for a FREE DOWN PAYMENT GRANT of up to 3.5% of the purchase price through True Prime Mortgage! Welcome home to Rancho Santa Margarita - ranked the #1 safest city in Orange County for over ten years! This beautiful single family residence features three spacious bedrooms, 2 and a half bathrooms, and just over 1,600 square feet of living space. Located on a desirable corner lot with no neighbors on one side and plenty of extra parking, this home has been immaculately well maintained and has amazing curb appeal. An inviting living room entry with cozy fireplace welcomes you into the home. There is a formal dining room which leads to a generous-sized kitchen, complete with a new gas range, granite counters and tile backsplash. On the other side of the kitchen you'll encounter a large family room with direct access to your attached two-car garage. Both the living and family rooms provide sliding door access to your private backyard, featuring a custom outdoor fireplace, patio cover, and plenty of space for outdoor living with both grass and hardscape. The corner lot location of this home allows for a generously-sized wrap-around yard. The principal suite is located upstairs, along with two additional bedrooms and a full bathroom. The principal bedroom boasts tall vaulted ceilings and a private outdoor deck where you can enjoy beautiful views of the mountains and city lights. Walking distance to three different schools, including elementary, middle, and high school. Very low HOA dues of only $91 per month and NO MELLO ROOS! Very low tax rate of just over 1%. Enjoy access to all the amenities that Rancho Santa Margarita master community has to offer, including the beach club, RSM lake, pools, tennis courts, a water park, walking trails, and much more! In addition to being the #1 safest city in Orange County, Rancho Santa Margarita is now the #1 safest city and has the lowest level of crime in all of California. Don't miss out on this opportunity!

4 El Vaquero, Rancho Santa Margarita
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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.

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