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20207 Yankee Harbor Pl, Gaithersburg, MD, 20886

4beds
4baths
2,248sqft
$530,000
$236price/sqft
$3,545/moest. monthly cost
$141,800/yrincome needed

About This Home

Welcome to this beautiful and spacious 4-bedroom, 3.5-bath townhouse in the highly sought-after Ridgefield Subdivision. Thoughtfully maintained and offering three fully finished levels, this inviting home combines comfort, versatility, and ample space for everyday living and entertaining. The entry level features a private bedroom with a full bath, perfect for overnight guests, a home office, or multi-generational living. A generously sized recreation/family room offers additional flexible space for relaxing, entertaining, or creating a dedicated media or game room. On the main level, natural light fills the spacious living room, creating a warm and welcoming atmosphere. The well-appointed kitchen features a center island, separate dining area, brand-new stove and microwave, and ample space for gathering. Sliding glass doors provide direct access to the updated deck, making indoor-outdoor entertaining effortless. A convenient half bath completes this level. Upstairs, retreat to the spacious primary suite, complete with a walk-in closet and private en-suite bath featuring a relaxing garden tub and separate walk-in shower. Two additional generously sized bedrooms share a full hallway bath. Additional highlights include a dedicated laundry room, abundant storage throughout, and a beautifully finished wood patio overlooking open green space. With peaceful scenic views and multiple outdoor living areas, this home provides an inviting setting for relaxing and entertaining. Adding to its exceptional convenience, the home is just steps from a bus stop offering a quick ride to the Shady Grove Metro, making commuting throughout the Washington, D.C. area easy and accessible. Residents also enjoy access to Montgomery Village Foundation amenities, including community pools, picturesque lakes, scenic walking and biking trails, and extensive community and recreational facilities. Conveniently located near shopping, dining, parks, and major commuter routes, this wonderful home brings together space, comfort, convenience, and a strong sense of community all in one highly desirable location. SCHOOLS - MS reassigned from Gaithersburg MS to Hallie Wells MS starting fall 2027 for grades 6 and 7. HS reassigned from Gaithersburg HS to Damascus HS starting fall 2027 for grades 9 and 10. A must see!

Getting Around

10
WalkingCar-Dependent
23
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

6/10
3/10
3/10
Gaithersburg High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Permanent,Slab,Concrete Perimeter
  • Construction materials: Concrete,Vinyl Siding,Masonry

Other

  • Builder model: AUBURN
  • Builder name: KETTLER BROTHERS

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: In Basement,Lower Level,Dryer In Unit,Washer In Unit,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full,Connecting Stairway,Front Entrance,Finished,Heated,Improved,Interior Entry,Exterior Entry,Rear Entrance,Walk-Out Access,Windows

Bathroom1

  • Level: Lower

Bedroom1

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Flooring: Ceramic Tile,Marble,Wood,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 2,248

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,698
  • Total interior livable area: 2,248 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Recreation Room

  • Level: Lower

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 160102962617
  • Zoning: TLD
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Has view: Yes
  • View description: Garden,Trees/Woods

Lot

  • Lot size: 1,700 sqft

Parking

  • Total spaces: 2
  • Parking features: Assigned,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
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Heat Wave
Strong Wind

FEMA Declared Disasters Across Maryland Counties

Winter Storm

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

MonthlyAnnual
Mortgage $2,679$32,148
Home Insurance *$105$1,260
Property Taxes $475$5,700
Electricity $286$3,436
Total$3,545$42,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,542/yr
40% on housing$106,350/yr
45% on housing$94,533/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

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.

Insurance Growth Rate5-year average: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 20886$186
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20886$236
Montgomery County$318

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

DateEventPrice
2026-08-14Listed for sale$527,900
2021-03-30Sold$401,000
2021-01-10Listed for sale$392,500
2019-03-13Listing removed$2,350
2019-03-12Listing removed$369,000
2019-03-01Price change$369,000
2019-02-26Listed for sale$380,000
2017-10-26Sold$350,000
2017-05-30Sold$350,000
2017-04-28Pending sale$350,000
2017-04-21Listed for sale$350,000
1998-07-01Sold$155,825

For Sale by Agent

AgentGeetha Dayala
BrokerageSamson Properties

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