See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

20540 Lowfield Dr, Germantown, MD, 20874

3beds
4baths
1,812sqft
$458,000
$253price/sqft
$3,101/moest. monthly cost
$124,040/yrincome needed

About This Home

This beautifully maintained END-UNIT townhome has been lovingly cared for by its ORIGINAL OWNERS and thoughtfully updated for peace of mind. Offering 3 bedrooms, 2 full bathrooms, and 2 half bathrooms, the home features TOTAL HOUSE PAINTING (2025/2026), NEUTRAL COLORS, and a comfortable layout with stylish updates. Gleaming HARDWOOD flooring in the entryway flows seamlessly into the dining area, creating a warm first impression. The BRIGHT & SUNNY kitchen is equipped with STAINLESS STEEL appliances (2022) and enhanced by stylish CUSTOM SHUTTERS (2022) throughout the main living space, offering charm, privacy, and control over natural light. A passthrough connects the kitchen to the dining area, where a unique wine bottle chandelier adds character. The family room features soft carpeting and direct access to a NEW DECK (2025). The current owners loved nurturing their array of beautiful flowers throughout the warmer months, turning the outdoor space into a vibrant oasis. Just beyond, the home backs to a recently refreshed TOT LOT, offering the convenience of a playground just steps away. WOOD STEPS lead upstairs to a spacious primary bedroom with a private EN-SUITE bath, along with two additional bedrooms and a full bathroom. Each bedroom includes a ceiling fan, and the hallway linen closet provides extra storage. The FINISHED BASEMENT further expands the living space with a large recreation room featuring NEW UPGRADED CARPET and NEW LVP FLOORING (2026), which extends into the half bathroom. A warm color palette gives the space a welcoming feel. A generously sized utility room provides additional storage, and the laundry area is conveniently located on this level. Additional improvements include a NEW ROOF (2026), HVAC SYSTEM (2023), HOT WATER HEATER (2019), and replaced WINDOWS that independently open from the top and bottom for easy cleaning and include adjustable screens. A LEAFFILTER GUTTER PROTECTION SYSTEM helps minimize exterior maintenance. The home includes one assigned parking space (#187), along with ample unassigned guest parking. Ideally located just minutes from Routes 270, 355, and 28, the property offers excellent commuter access and close proximity to the MARC Train and Shady Grove Metro for convenient travel to Washington, D.C., and surrounding areas.

Getting Around

17
WalkingCar-Dependent
32
TransitSome Transit
50
BikeBikeable

Schools

Construction

Condition

  • Year built: 1991

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Refrigerator,Stainless Steel Appliance(s),Washer,Oven/Range - Electric,Gas Water Heater
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Finished

Bathroom2

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Window features: Double Hung
  • Flooring: Hardwood
  • Finished area below ground: 452
  • Finished area above ground: 1,360

Half Bath

  • Level: Main

Half Bath

  • Level: Lower

Heating & Cooling

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

Interior Area

  • Total structure area: 2,040
  • Total interior livable area: 1,812 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Recreation Room

  • Level: Lower

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160202746463
  • Zoning: TMD
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Deck

Lot

  • Lot size: 1,582 sqft

Parking

  • Parking features: Assigned,Unassigned,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
  • 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 $2,315$27,780
Home Insurance *$89$1,068
Property Taxes $416$4,992
Electricity $281$3,374
Total$3,101$37,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,320/yr
40% on housing$93,030/yr
45% on housing$82,693/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 20874$182
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
2026-08-12Listed for sale$458,000
2026-08-07Listing removed$458,000
2026-06-24Price change$458,000
2026-06-05Listed for sale$465,000
1991-09-26Sold$134,685

For Sale by Agent

AgentApril West
BrokerageCharis Realty Group

Similar Homes