Ari Jakobov

Ari Jakobov

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$1,229,800

($904,536 down)
FHA

22 Santolina, Rancho Santa Margarita, CA 92688

3
2
1,534 sqft
PITI Monthly
$5,402.5 /mo

Listing courtesy of: Maryam Amiri, Redfin

Assumed Rate

6.49%
7.15%

Principal & Interest

$3,436 /mo
$3,675 /mo

What's Special

REMODELED
LOCATION
SERENE
SHOPPING
MODERN
LUXURY
STAINLESS STEEL APPLIANCES
COMMUNITY POOL
PLAYGROUND
CUL-DE-SAC
SAFE
CHARMING
LOW HOA FEES
AFFORDABLE

Nestled on a serene cul-de-sac in Rancho Santa Margarita, this charming single-level home offers effortless living in a prime location. Boasting 3 bedrooms and 2 bathrooms, the residence is perfectly positioned for easy access to the lake, parks, trails, shopping, and toll roads, providing convenient transportation options. Families will appreciate the proximity to the esteemed Trabuco Mesa Elementary School and Trabuco Mesa Park, both just a few minutes walk away. Enjoy the benefits of living in Rancho Santa Margarita, known for its low HOA fees and extensive amenities such as the RSM Lake, Beach Club, lagoon, community pools, parks, sports facilities, playgrounds, and scenic hiking and biking trails. This home offers more than just location; it presents a modern lifestyle with soaring ceilings, a remodeled gourmet kitchen featuring Quartz Counters, white shaker cabinets, and stainless steel appliances. Luxury Vinyl flooring enhances the aesthetic appeal throughout, creating a seamless flow from room to room. Inside the laundry room, there is direct access to the two-car garage which adds convenience and security. Additional upgrades include a new water heater and heating unit, and the air conditioning was installed 2.5 years ago! To top it all off you get an expansive backyard perfect for entertaining. Experience breathtaking views of the Saddleback Mountains, especially during the winter months when they are dusted with snow. Rancho Santa Margarita has been recognized as the #1 safest city in California according to a 2024 Safewise report, providing peace of mind for residents. Don't miss out on this opportunity to own one of the most affordable and desirable single-level homes in Rancho Santa Margarita. Schedule your tour today and discover your new oasis of comfort and convenience!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
6.49
Remaining Loan Term
11 years, 2 months
Monthly PITI
$5,402.5/mo
Estimated Loan Balance
$331,882
Cash to close
$904,536
Interest Paid
$559,293

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central, ForcedAir, Fireplaces
Features
  • Materials: Drywall, Frame, Stucco
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: FamilyRoom, Gas
  • Flooring: Vinyl

Exterior

Fencing
  • Fencing: GoodCondition, Privacy, Vinyl, Wood
Roof
  • Roof: SpanishTile
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Community, InGround, Association

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Mediterranean, Ranch
Materials
  • Drywall, Frame, Stucco
  • Roof: SpanishTile
Condition
  • Year Built: 1987
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Cantobrio I (R1) (CB1)
  • Features: Biking, Curbs, DogPark, Foothills, Hiking, Lake, StormDrains, StreetLights, Suburban, Sidewalks, Park, Pool
HOA
  • Has HOA: Yes
  • HOA Name: SAMLARC
  • HOA Amenities: Unknown
  • HOA Fee: $87
  • HOA Frequency: $Monthly
Location
  • Region: Rancho Santa Margarita

Financial Details

  • Price per Sqft: $801.69
  • Tax Annual Amount: $15372.5
  • On Market Date: 2025-04-10T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $904,536 (74%)
You can enter any amount below - secondary financing will cover the difference if needed.
74%
$

You cover the entire equity of $904,536!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.49% Sellers Rate
$325,264
Your Cash:$904,536
Total Purchase Price:$1,229,800

Assumed vs Traditional Mortgage

Assumed @ 6.49%
$3,436/mo
Traditional @ 7.15%
$3,812/mo
You save $376/month ($4,517/year)

*Secondary financing rates are an estimated value based on input

MLS ID: OC25076617

Listing From:

Last updated: 2025-04-16T01:32:35.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

6.49%
7.15%

Principal & Interest

$3,436 /mo
$3,675 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $904,536 (74%)
You can enter any amount below - secondary financing will cover the difference if needed.
74%
$

You cover the entire equity of $904,536!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage6.49% Sellers Rate
$325,264
Your Cash:$904,536
Total Purchase Price:$1,229,800

Assumed vs Traditional Mortgage

Assumed @ 6.49%
$3,436/mo
Traditional @ 7.15%
$3,812/mo
You save $376/month ($4,517/year)

*Secondary financing rates are an estimated value based on input

Follow Us
eXp Realty
Agent/Broker
Ari JakoboveXp Realty(602) 500-9874ari@jakobovgroup.comMLS SA699624000

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than eXp Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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