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13113 Chestnut Oak Dr, Gaithersburg, MD, 20878

5beds
5baths
5,192sqft
$1,150,000
$221price/sqft
$7,838/moest. monthly cost
$313,520/yrincome needed

About This Home

Exceptional luxury residence set on a beautifully landscaped lot, featuring a substantial addition and an impressive array of upgrades throughout. The heart of the home is the expansive chef’s kitchen, complete with abundant cabinetry, granite countertops, premium stainless steel appliances, double wall ovens, and an oversized breakfast bar—all seamlessly opening to a stunning great room with picturesque backyard views. Bringing the outside in. The sun-drenched great room showcases floor-to-ceiling windows, skylights, automatic blinds, and a cozy fireplace, with ample space for both everyday living and entertaining. Upstairs, the addition offers a spacious owner’s suite with custom built-ins, dual walk-in closets, and a spa-inspired bath featuring a soaking tub and separate steam shower. The main level includes a private home office and hardwood floors throughout. The fully finished lower level provides a large recreation room with wood stove, a brand-new full bath, and a versatile bonus room ideal for a gym, guest space, or hobby area. A generously sized workshop adds even more flexibility. Additional highlights include a new roof and windows, energy-efficient geothermal two-zone HVAC with backup, a three-car side-load garage, main-level laundry, heated floors in three bathrooms, a large outdoor shed, and a dedicated vegetable garden area. A rare opportunity combining space, comfort, and thoughtful upgrades—this home truly has it all.

Getting Around

4
WalkingCar-Dependent
23
TransitMinimal Transit
14
BikeSomewhat Bikeable

Schools

7/10
6/10
7/10
Northwest High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1964

Materials

  • Foundation: Slab
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Traditional,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Instant Hot Water

Basement

  • Area: 1350

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Rear Entrance,Shelving,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5
  • Main level bathrooms: 1

Features

  • Bathroom - Walk-In Shower,Soaking Tub,Butlers Pantry,Dining Area,Family Room Off Kitchen,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen - Gourmet,Kitchen Island
  • Number of fireplaces: 2
  • Fireplace features: Insert,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,010
  • Finished area above ground: 4,182

Heating & Cooling

  • Heating features: Central,Geothermal
  • Cooling features: Other,Geothermal

Interior Area

  • Total structure area: 5,532
  • Total interior livable area: 5,192 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160600408291
  • Zoning: R200
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2.09 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Asphalt,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Heat Wave
Inland Flooding
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 $5,815$69,780
Home Insurance *$224$2,688
Property Taxes $1,138$13,656
Electricity $661$7,938
Total$7,838$94,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$268,731/yr
40% on housing$235,140/yr
45% on housing$209,013/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 20878$268
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20878$289
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
2026-05-13Price change$1,250,000
2026-04-18Listed for sale$1,300,000
2021-04-23Sold$895,000
2021-03-01Pending sale$899,000
2021-02-27Price change$899,000
2021-02-11Listed for sale$925,000

For Sale by Agent

AgentDamian Buckley
BrokerageCompass

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