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20418 Shadow Oak Ct, Gaithersburg, MD, 20886

4beds
3baths
1,820sqft
$475,000
$261price/sqft
$3,196/moest. monthly cost
$127,840/yrincome needed

About This Home

Newly repositioned at a compelling price, this upgraded, turnkey home now stands out as one of Dorsey’s Regard’s best values ! Offering rare outdoor spaces, a massive floor plan, and a wooded cul‑de‑sac setting that’s nearly impossible to find at this level. Boasting a spacious layout that, at 2,730 total square feet, is one of the largest models in the community, this premium interior-row home offers exceptional living space and massive 2026 upgrades—including newly refinished hardwood floors, brand-new living room carpeting, fresh neutral paint, and upgraded modern lighting fixtures. Completely move-in ready, this home boasts one of the community's largest floor plans, offering generous living spaces throughout. Enjoy a peaceful, wooded cul-de-sac setting from your rare dual private balconies, deck, or the private walkout lower level. Perfect for commuters with seamless access to I-270, Intercounty Connector (ICC/MD 200), local transit, and premier Montgomery Village amenities. Step through the front door into a welcoming main level featuring newly refinished hardwood floors. The spacious foyer offers a walk-in coat closet, a convenient powder room, and leads to generously sized living spaces designed for both everyday living and entertaining. The bright living room showcases brand-new carpeting, while the formal dining room flows seamlessly into the expansive kitchen. A true centerpiece of the home, the oversized kitchen boasts abundant cabinets and counter space, a large center island with barstool seating, new stainless steel appliances (2025), a double oven, fresh paint (2026), and new tile flooring (2026). The versatile bump-out provides the perfect space for casual dining or a cozy family room, offering flexibility to fit your lifestyle. Enjoy seamless indoor-outdoor living with access to the main-level balcony from both the dining room and the eat-in kitchen, creating the perfect spot to relax and enjoy peaceful, wooded views. Upstairs, the spacious primary suite features a walk-in closet and a private en-suite bathroom. Three additional generously sized bedrooms provide ample space. The fourth bedroom offers direct access to the second private balcony, creating a unique retreat with tranquil treetop views. The finished lower level expands your living space with an impressive 25' x 20' recreation room—ideal for movie nights, a home gym, a playroom, or flexible living space to suit your needs. A spacious 25' x 15' laundry and utility room provides exceptional storage and workspace, while the walkout basement fills the lower level with natural light and offers direct access to the backyard. Additional updates include fresh paint (2026) throughout, updated lighting fixtures, replacement windows, newer sliding doors, newly refinished hardwood floors (2026), brand-new carpet (2026), and new kitchen flooring (2026). Completing the package are exceptionally low HOA fees that provide access to outstanding community amenities, including North Creek Lake Park walking trails, 8 community pools, tennis and pickleball courts, basketball courts, playgrounds, and more. This is a wonderful opportunity to enjoy a move-in-ready home in a peaceful setting with exceptional community amenities just moments away. Checkout the 360 Photo Tour and Schedule your showing today!

Getting Around

11
WalkingCar-Dependent
31
TransitSome Transit
5
BikeSomewhat Bikeable

Schools

3/10
4/10
Neelsville Middle SchoolGrades 6-82.1 mi
5/10
Watkins Mill High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Permanent
  • Construction materials: Brick,Brick Front,Combination

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven/Range - Electric,Refrigerator,Washer,Water Heater,Double Oven,Electric Water Heater

Basement

  • Area: 910

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full,Partial,Walk-Out Access,Exterior Entry

Bedrooms & Bathrooms

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

Features

  • Breakfast Area,Ceiling Fan(s),Dining Area,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space,Pantry,Primary Bath(s),Walk-In Closet(s)
  • Flooring: Hardwood,Carpet,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,820

Heating & Cooling

  • Heating features: Heat Pump,Forced Air,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,730
  • Total interior livable area: 1,820 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160901768123
  • Zoning: TLD
  • Special condition: Standard

Features

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

Lot

  • Lot size: 2,054 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
  • 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 $2,401$28,812
Home Insurance *$94$1,128
Property Taxes $420$5,040
Electricity $281$3,374
Total$3,196$38,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,577/yr
40% on housing$95,880/yr
45% on housing$85,226/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

$261This 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
2026-08-06Price change$450,000
2026-07-10Listed for sale$475,000
2012-10-10Sold$251,000
2012-06-11Listed for sale$250,000

For Sale by Agent

AgentZugell Jamison
BrokerageCummings & Co. Realtors

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