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14200 White Water Way, Gaithersburg, MD, 20878

5beds
5baths
4,732sqft
$1,199,000
$253price/sqft
$8,154/moest. monthly cost
$326,160/yrincome needed

About This Home

A Private 3.5-Acre Retreat in the Heart of Darnestown Perfectly situated at the end of a quiet cul-de-sac, this expansive home offers rare privacy, generous living spaces, and a flexible floor plan designed for everyday comfort and entertaining. With 5 bedrooms and 3 full baths on the upper level, plus multiple main-level gathering spaces, there is room to live, host, and grow with ease. A grand two-story foyer welcomes you into light-filled interiors featuring 9-foot ceilings, a private office with built-ins, formal living and dining rooms with floor-to-ceiling windows, and a spacious family room with wood beams and a seamless connection to the kitchen. The main level also includes a powder room, laundry room, and a versatile bonus/recreation space with a wet bar and full bath. The upper level is anchored by a spacious primary suite with fireplace, marble surround, dual walk-in closets, cedar closet, and a flexible adjoining office or sitting room. The ensuite bath includes a soaking tub, separate shower, double vanity, and heat lamps. Three additional oversized bedrooms and two full baths complete the level, all offering excellent storage and natural light. Thoughtful updates throughout provide peace of mind, including a renovated kitchen (2021), upgraded electrical with added breaker box (2021), recessed lighting (2021), new water heater and well pressure tank (2022), refinished deck (2023), new washer and dryer (2023), new driveway and parking pad (2024), whole-home paint and window treatments with blackout shades (2024), new chimney installation (2024), full duct cleaning (2024), upgraded well filtration system (2025), and a fully re-done primary shower (2025). What truly sets this property apart is its remarkable setting. Backing directly to approximately 700 acres of protected parkland at Muddy Branch Park, the home enjoys an exceptional level of privacy, scenic natural views, and direct access to miles of trails and outdoor recreation. The walk-out basement, three fireplaces, expansive deck, and 3.5 acres of usable land create an estate-like retreat where nature and everyday living come together seamlessly. Please note: Square footage is estimated and calculated by an independent third party; information is deemed accurate but not guaranteed. **some virtual staged/modified photos included**

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
5
BikeSomewhat Bikeable

Schools

7/10
6/10
7/10
Northwest High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab,Concrete Perimeter
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Oven/Range - Gas,Microwave,Dishwasher,Electric Water Heater

Basement

  • Area: 2380

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access,Windows

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Features

  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 4,732

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 7,112
  • Total interior livable area: 4,732 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160601762057
  • Zoning: RE2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 3.40 Acres

Parking

  • Total spaces: 5
  • Parking features: Garage Faces Side,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • 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 $6,062$72,744
Home Insurance *$234$2,808
Property Taxes $1,256$15,072
Electricity $602$7,234
Total$8,154$97,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,565/yr
40% on housing$244,620/yr
45% on housing$217,440/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 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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$1,199,000
2026-07-23Price change$1,199,000
2026-07-08Price change$1,249,000
2026-06-23Price change$1,299,000
2026-06-18Listed for sale$1,325,000
2021-01-13Sold$865,000
2020-11-01Pending sale$865,000
2020-10-24Listed for sale$865,000
AgentCarrie Hillegass
BrokerageCompass Realty

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