20253 Shipley Ter APT 302, Germantown, MD, 20874
About This Home
Closing help of up to $5k in closing cost. Shipley Terrace is situated in the vibrant and diverse suburban community of Germantown, Maryland. Lake Churchill is the backyard to this 3 bedroom, 2 bath condominium. The lake has wonderful walking/biking trails and natural charm. Shipley Terrace is located in walking distance to the downtown Germantown center where you can find a library, Black Rock Art Center, other shopping, restaurants and friendly experiences for all ages. Shipley's HOA includes two outdoor community pools that are also within walking/biking distance of the condo. A wonderful place to live!
Getting Around
Car-Dependent
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1983
Materials
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Electric Water Heater
- Laundry features: Dryer In Unit,Washer In Unit,In Unit
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 972
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 972
- Total interior livable area: 972 sqft
Property
Accessibility
- Accessibility features: Other
Details
- Parcel number: 160202328042
- Attached to another structure: Yes
- Zoning: RESI
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Exterior features: Other
Parking
- Parking features: Parking Lot
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Winter Weather
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,289 | $15,468 |
| Home Insurance * | $49 | $588 |
| Property Taxes | $180 | $2,160 |
| Electricity | $281 | $3,374 |
| Total | $1,799 | $21,588 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $254,999 |
| 2026-07-20 | Listed for sale | $255,000 |
| 2026-06-27 | Listing removed | $2,200 |
| 2026-06-01 | Listed for rent | $2,200 |
| 2026-06-01 | Listing removed | $2,100 |
| 2026-04-27 | Price change | $2,100 |
| 2026-04-10 | Price change | $2,150 |
| 2026-03-09 | Price change | $2,200 |
| 2026-02-19 | Listed for rent | $2,250 |
| 2022-02-25 | Listing removed | -- |
| 2022-02-22 | Price change | $1,900 |
| 2022-02-21 | Price change | $1,950 |
| 2022-02-20 | Listed for rent | $2,000 |
| 2021-12-09 | Listing removed | -- |
| 2021-12-09 | Price change | $220,000 |
| 2021-09-24 | Price change | $215,000 |
| 2021-09-12 | Listed for sale | $210,000 |
| 2018-11-11 | Listing removed | $1,450 |
| 2018-10-09 | Price change | $1,450 |
| 2018-08-17 | Listed for rent | $1,475 |
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