19606 White Saddle Dr, Germantown, MD, 20874
About This Home
Beautifully maintained three-level Colonial townhome in sought-after Olde Seneca Woods, Germantown, Maryland — offering a rare three full bathrooms plus a convenient main-level half bath. This light-filled 3-bedroom home features a spacious main level, a cozy wood-burning fireplace, and a private deck with bump-out extensions ideal for entertaining and everyday relaxation. Upstairs, three bedrooms include a comfortable primary retreat served by two full baths. The fully finished walk-out lower level adds a third full bathroom and flexible space for a home office, guest area, or recreation room. Natural-gas forced-air heat, central air conditioning, and move-in-ready condition set this home apart from the competition. Ideally located off I-270 and Middlebrook Road — minutes to the Germantown MARC station, Milestone Shopping Center, Germantown Town Center, parks, and scenic trails. A comfortable, connected lifestyle in one of Germantown's most convenient communities.
Getting Around
Somewhat Walkable
Some Transit
BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 1987
Materials
- Foundation: Other
- Construction materials: Brick
Notable Dates
- Major remodel year: 2019
Type & Style
- Home type: Townhouse
- Architectural style: Colonial
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Microwave,Dishwasher,Dryer,Disposal,Oven/Range - Gas,Washer,Water Heater,Gas Water Heater
- Laundry features: Lower Level,Has Laundry
Basement
- Area: 600
Basement
- Has basement: Yes
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Primary Bath(s),Breakfast Area,Combination Dining/Living,Formal/Separate Dining Room,Eat-in Kitchen,Kitchen - Table Space
- Door features: Sliding Glass
- Flooring: Hardwood,Wood
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 450
- Finished area above ground: 1,260
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,860
- Total interior livable area: 1,710 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 160902163437
- Zoning: PD15
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Patio & porch: Deck
- Exterior features: Bump-outs
- Fencing: Full
Lot
- Lot size: 1,600 sqft
Parking
- 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
- Cold Wave
- Hail
- Heat Wave
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,149 | $25,788 |
| Home Insurance * | $82 | $984 |
| Property Taxes | $445 | $5,340 |
| Electricity | $281 | $3,374 |
| Total | $2,957 | $35,484 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-28 | Price change | $425,000 |
| 2026-07-14 | Listed for sale | $439,000 |
| 2020-01-10 | Sold | $324,000 |
| 2019-11-14 | Pending sale | $319,990 |
| 2019-11-05 | Price change | $319,990 |
| 2019-10-18 | Price change | $325,000 |
| 2019-10-05 | Listed for sale | $319,500 |
For Sale by Agent
View on Zillow