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34 Spinning Wheel Ct, Germantown, MD, 20874

4beds
3baths
2,132sqft
$650,000
$305price/sqft
$4,307/moest. monthly cost
$172,280/yrincome needed

About This Home

Welcome to this beautifully maintained 4-bedroom, 2.5-bath home nestled on a cul-de-sac in the highly sought-after Waters Landing community. Situated on an impressive 0.33-acre lot, this home offers over 3,200 square feet of total sqft, a huge fully fenced backyard and an unbeatable location. Step inside to discover gleaming hardwood floors, crown molding, chair rail detailing, wainscoting, vaulted ceilings with skylights in the family room, and a cozy fireplace that creates a warm and inviting atmosphere. The thoughtfully renovated kitchen is designed to impress, featuring brand-new stainless steel appliances, new cabinetry, beautiful quartz countertops, and updated light fixtures throughout. The spacious upper level offers four generously sized bedrooms and two full baths, while the unfinished basement with a rough-in provides endless possibilities to create additional living space, a home gym, theater, or guest suite tailored to your needs. Major updates provide peace of mind, including updated windows, new carpet, and a Lennox Elite Series air handler that's only two years old. Outside, enjoy your private backyard retreat with a patio, dedicated hot tub platform, and plenty of room for entertaining, gardening, or play. The oversized two-car garage features a durable epoxy-coated floor, adding both style and functionality. Living in Waters Landing means enjoying exceptional community amenities, including two swimming pools, a scenic lake, playgrounds, bus line access, and miles of hiking and biking trails connecting to Black Hill Regional Park and Little Seneca Lake. Conveniently located near shopping, dining, major commuter routes, and MARC rail access, this home offers the perfect balance of tranquility and accessibility. This move-in ready home combines quality updates, generous living spaces, an incredible backyard, and one of Germantown's most desirable neighborhoods. Don't miss the opportunity to make it yours!

Getting Around

10
WalkingCar-Dependent
28
TransitSome Transit
44
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Excellent
  • Year built: 1986

Materials

  • Foundation: Concrete Perimeter,Active Radon Mitigation
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Asphalt,Rough-In Plumbing

Other

  • Builder name: Grimm

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Exhaust Fan,Self Cleaning Oven,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Ice Maker,Electric Water Heater
  • Laundry features: In Basement,Main Level

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Windows,Interior Entry,Rough Bath Plumb,Sump Pump

Bedroom2

  • Features: Flooring - Carpet,Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom3

  • Features: Flooring - Carpet,Ceiling Fan(s)
  • Level: Upper

Bedroom4

  • Features: Flooring - Carpet,Ceiling Fan(s)
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Features: Formal Dining Room,Crown Molding,Chair Rail,Flooring - HardWood,Lighting - Ceiling
  • Level: Main

Family Room

  • Features: Flooring - Solid Hardwood,Fireplace - Wood Burning,Skylight(s),Ceiling Fan(s),Cathedral/Vaulted Ceiling
  • Level: Main

Features

  • Attic,Soaking Tub,Bathroom - Stall Shower,Bathroom - Tub Shower,Ceiling Fan(s),Chair Railings,Crown Molding,Family Room Off Kitchen,Kitchen - Gourmet,Kitchen - Table Space,Pantry,Primary Bath(s),Upgraded Countertops,Wainscotting,Walk-In Closet(s),Breakfast Area,Dry Wall
  • Door features: Storm Door(s),Insulated,French Doors
  • Window features: Insulated Windows,Double Pane Windows,Replacement,Screens,Skylight(s),Double Hung,Storm Window(s)
  • Flooring: Wood,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Brick,Wood Burning,Glass Doors
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,132

Half Bath

  • Features: Flooring - Tile/Brick
  • Level: Main

Heating & Cooling

  • Heating features: Central,Heat Pump,Programmable Thermostat,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump,Programmable Thermostat,Electric

Interior Area

  • Total structure area: 3,288
  • Total interior livable area: 2,132 sqft

Kitchen

  • Features: Countertop(s) - Quartz,Flooring - Vinyl,Eat-in Kitchen,Kitchen - Electric Cooking,Lighting - Ceiling,Pantry
  • Level: Main

Living Room

  • Features: Flooring - HardWood,Crown Molding
  • Level: Main

Other

  • Features: Bathroom - Tub Shower,Flooring - Ceramic Tile
  • Level: Upper

Primary Bathroom

  • Features: Bathroom - Stall Shower,Soaking Tub,Double Sink,Flooring - Ceramic Tile
  • Level: Upper

Primary Bedroom

  • Features: Flooring - Carpet,Ceiling Fan(s),Walk-In Closet(s),Attic - Access Panel
  • Level: Upper

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 160202215678
  • Zoning: R90
  • Zoning description: Residential
  • Special condition: Standard
  • Exclusions: None

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Patio,Roof,Deck
  • Exterior features: Lighting,Street Lights
  • Fencing: Full,Back Yard,Wood
  • Has view: Yes
  • View description: Street,Garden

Lot

  • Lot size: 0.33 Acres
  • Features: Cul-De-Sac,Front Yard,Landscaped,Rear Yard,Level,Suburban

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Inside Entrance,Asphalt,Attached,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Winter Weather
Heat Wave

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 $3,286$39,432
Home Insurance *$126$1,512
Property Taxes $614$7,368
Electricity $281$3,374
Total$4,307$51,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,668/yr
40% on housing$129,210/yr
45% on housing$114,853/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

$305This listing

vs Other Active Listings

Avg $/sqft

ZIP 20874$181
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20874$239
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
2026-08-05Contingent$650,000
2026-07-30Listed for sale$650,000
2001-09-28Sold$280,000
1994-06-01Sold$216,000

For Sale by Agent

AgentJack Kort
BrokerageWeichert, REALTORS

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