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108 Thrift St, Gaithersburg, MD, 20878

3beds
4baths
2,284sqft
$899,000
$394price/sqft
$5,927/moest. monthly cost
$237,080/yrincome needed

About This Home

Welcome to this beautifully updated, charming home in the heart of the highly sought-after Kentlands community, where a picturesque front porch creates an inviting first impression. Inside, hardwood flooring extends from the foyer into the spacious living room, with custom built-ins, crown molding & chair rails, and continues throughout the main and upper levels. The updated eat-in kitchen is appointed with granite countertops, 42" glass-front, lighted cabinets, stainless steel appliances, wine fridge, gas range, ceramic backsplash, and a convenient breakfast bar, opening to a generous dining area enhanced by beautiful built-in cabinets & a corner gas fireplace. The kitchen offers direct access to the fully fenced backyard and patio—an ideal setting for outdoor dining, entertaining, play, or quiet relaxation. An updated powder room featuring stylish wooden vanity, and designer fixtures, along with a roomy coat closet, completes the main level. Upstairs, the sun-filled primary suite features a lighted ceiling fan, a spacious walk-in closet with a custom organization system and its own window, and an updated en-suite bath with granite countertops, a deep-soaking jetted tub, and attractive lighting and fixtures. Two additional generously sized bedrooms offer ample closet space, while the beautifully updated hall bath includes a new vanity, hardware, lighting, and mirror. The laundry is conveniently located on the bedroom level, as well. The finished lower level offers exceptional flexibility with an expansive recreation room featuring brand-new neutral carpeting, recessed lighting, and daylight windows. A third full bath with a glass-enclosed shower makes this level ideal for guests, a home office, exercise space, or additional living quarters. The spacious utility area offers shelving & abundant storage. Brand new electric panel with 20-year warranty; newer cedar shake roof and HVAC systems. Home also has reverse osmosis system, Nest doorbell, surround sound speakers, charcoal filter, and surge protector in basement. Kitchen Renovated in 2004 and Primary Bathroom renovated in 2018-2019. Outside, the beautifully landscaped and enclosed stone patio provides a private retreat and convenient access to the detached garage. Perfectly positioned near Kentlands lakes, parks, and scenic walking paths, this exceptional home is just moments from the community’s popular shops, restaurants, and countless amenities, with easy access to major commuter routes.

Getting Around

69
WalkingSomewhat Walkable
32
TransitSome Transit
67
BikeBikeable

Schools

7/10
6/10
8/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1992

Materials

  • Foundation: Slab
  • Roof: Shake
  • Construction materials: Frame,HardiPlank Type

Notable Dates

  • Major remodel year: 2018

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Extra Refrigerator/Freezer,Oven/Range - Gas,Refrigerator,Stainless Steel Appliance(s),Washer,Water Conditioner - Owned,Water Treat System,Gas Water Heater
  • Laundry features: Upper Level,Has Laundry,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Connecting Stairway,Windows,Sump Pump,Shelving,Interior Entry,Improved,Heated

Bathroom2

  • Level: Upper

Bedroom2

  • Features: Bathroom - Tub Shower
  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Features: Flooring - Carpet
  • Level: Lower

Dining Room

  • Features: Built-in Features,Flooring - Solid Hardwood
  • Level: Main

Features

  • Attic,Bathroom - Tub Shower,Built-in Features,Ceiling Fan(s),Chair Railings,Crown Molding,Dining Area,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Recessed Lighting,Primary Bath(s),Sound System,Upgraded Countertops,Walk-In Closet(s),Wine Storage
  • Window features: Screens,Storm Window(s),Window Treatments
  • Flooring: Hardwood,Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Mantel(s),Glass Doors,Gas/Propane,Corner
  • Fireplace: Yes
  • Finished area below ground: 650
  • Finished area above ground: 1,634

Half Bath

  • Level: Main

Half Bath

  • Level: Lower

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Programmable Thermostat,Electric

Interior Area

  • Total structure area: 2,451
  • Total interior livable area: 2,284 sqft

Kitchen

  • Features: Breakfast Bar,Ceiling Fan(s),Granite Counters,Dining Area,Fireplace - Gas,Flooring - Ceramic Tile,Flooring - HardWood,Eat-in Kitchen,Kitchen - Gas Cooking,Lighting - Pendants,Recessed Lighting
  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Features: Flooring - Solid Hardwood,Built-in Features
  • Level: Main

Primary Bathroom

  • Features: Bathroom - Jetted Tub,Granite Counters,Bathroom - Tub Shower,Soaking Tub
  • Level: Upper

Primary Bedroom

  • Features: Walk-In Closet(s),Attached Bathroom,Flooring - Solid Hardwood
  • Level: Upper

Recreation Room

  • Features: Flooring - Carpet
  • Level: Lower

Storage Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 160902891601
  • Zoning: MXD
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Patio,Porch,Enclosed
  • Exterior features: Lighting,Sidewalks
  • Spa features: Bath
  • Fencing: Full

Lot

  • Lot size: 2,277 sqft
  • Features: Front Yard,Landscaped,SideYard(s),Rear Yard,Level

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Rear,Garage Door Opener,Driveway,Electric Vehicle Charging Station(s),Concrete,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Winter Weather

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 $4,545$54,540
Home Insurance *$175$2,100
Property Taxes $917$11,004
Electricity $290$3,491
Total$5,927$71,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,211/yr
40% on housing$177,810/yr
45% on housing$158,053/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

$394This listing

vs Other Active Listings

Avg $/sqft

ZIP 20878$267
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
2026-07-27Listed for sale$899,000
2014-06-27Listing removed$699,900
2014-06-13Listed for sale$699,900
2004-08-02Sold$589,900
1997-09-10Sold$239,000

For Sale by Agent

AgentJoJo Stansfield
BrokerageSamson Properties

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