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19905 Choctaw Ct, Germantown, MD, 20876

4beds
4baths
1,360sqft
$450,000
$331price/sqft
$3,044/moest. monthly cost
$121,760/yrincome needed

About This Home

Stunning, Move-In-Ready Townhome in the Heart of Germantown! This beautifully updated townhome offers the perfect blend of modern comfort and everyday convenience! Step inside to find gorgeous hardwood floors flowing throughout the main and upper levels, setting the tone for a home that's been meticulously cared for and upgraded from top to bottom. The stylishly remodeled bathrooms bring a fresh, spa-like feel, while the kitchen shines with appliances that are just 1 year new — ready for years of worry-free cooking and entertaining. Major systems have been thoughtfully replaced for total peace of mind: a brand-new roof (2 months new!), a new water heater (2 months new!), and a brand-new fence enclosing your outdoor space. Location is everything, and this one delivers: minutes to I-270, top-rated Germantown shopping and dining, parks, and trails, with easy access to the Germantown MARC station for a stress-free commute into DC. This is the one you've been waiting for — updated, upgraded, and ready for its next owner. Schedule your private tour today, this won't last long!

Getting Around

25
WalkingCar-Dependent
31
TransitSome Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10
Neelsville Middle SchoolGrades 6-81.0 mi
5/10
Watkins Mill High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Other
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Water Heater,Washer,Cooktop,Refrigerator,Electric Water Heater

Basement

  • Area: 520

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 300
  • Finished area above ground: 1,060

Heating & Cooling

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

Interior Area

  • Total structure area: 1,580
  • Total interior livable area: 1,360 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160902095457
  • Zoning: R60
  • Special condition: Standard

Features

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

Lot

  • Lot size: 1,600 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 $2,275$27,300
Home Insurance *$98$1,176
Property Taxes $390$4,680
Electricity $281$3,374
Total$3,044$36,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,365/yr
40% on housing$91,320/yr
45% on housing$81,173/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

$331This listing

vs Other Active Listings

Avg $/sqft

ZIP 20876$195
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20876$261
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
2026-08-06Listed for sale$450,000
2015-10-15Listing removed$268,000
2015-07-31Price change$268,000
2015-07-01Price change$275,000
2015-02-14Listed for sale$279,000
2002-05-20Sold$139,900

For Sale by Agent

AgentMrs. Mabel R Zuleta
BrokerageRE Smart, LLC

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