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12220 Centerhill St, Silver Spring, MD, 20902

7beds
4baths
3,000sqft
$565,000
$188price/sqft
$4,048/moest. monthly cost
$161,920/yrincome needed

About This Home

RENOVATION JUST MADE TO LOWER RENTAL UNIT JOINING IT TO THE BASEMENT LEVEL PRODUCING A 2/2 UNIT FOR THE LOWER LEVEL. Totally over-improved home for the neighborhood! Two studio apartments opening to deck in backyard provide over $2000 of rental income each month. Owner built a balcony with French doors to dining room of main house and the rear deck is large enough to host parties of 50+ people. Behind the deck in the back yard you have a cabana with a fireplace for chilly summer nights and fall get-togethers. Inside, the master has two walk-in closets, an electric fireplace and room for a king sized bed and office (two rooms were combined to make the sumptuous master). Upstairs there are two linen closets and the bathroom is black and white ceramic tile with a dramatic black tile floor. You can access the floored attic from the pull-down steps in the upstairs hallway. Lots of storage here. On the first floor, the kitchen was renovated during 2020-2022 with granite, stainless steel and lots of ceramic and upgraded cabinets. The living room, dining room and kitchen are open concept for entertaining groups. Shining blonde hardwood was installed throughout the first floor in 2010 replacing the original damaged hardwood floors. Around 2012, the unfinished basement was finished to provide a snack bar in the bedroom area (2 bedrooms, one with a walk in closet) and a full bath with a ceramic shower stall was installed. The rear portion of the basement was used to create a studio apartment with a bedroom and bath. The back of the first floor was partitioned off to create another studio apartment with a bedroom, full bath with a ceramic shower and a kitchenette. There are so many thoughtful touches in this home: decorative built-in shelving along the ceilings for pictures, CDs and DVDs, wine glass holder above the snack bar downstairs, exterior lighting along the brick walkway at the side of the house, wrought iron gate for security (to the back yard and apartments), producing apple tree in the front yard, long stick-built shed in the back yard for tool storage. No deferred maintenance here! Studios remodeled 2 years ago, 2012 master bedroom renovated, hot water heater is 3 years old, furnace is 4 years old, pitched roof is 2 years old (architectural shingles not the flat roof, kitchen renovated during COVID, Entire home has 3100 sq. feet of living space according to County inspectors (public records are outdated). Come and see if this works for your new home in Silver Spring. And easy walk to bus stop, long walk but doable to both Glenmont and Wheaton metro stations. Just a few blocks from the Wheaton HS and Vocational School. Although the home is in great condition, the owner is selling AS IS because he has moved out of town. Radon inspection was done and passed. WBI was done and no WBI's found. For more information regarding tenancy check with listing agent or see remarks in listing as a tri-plex, please.

Getting Around

26
WalkingCar-Dependent
54
TransitGood Transit
31
BikeSomewhat Bikeable

Schools

6/10
5/10
7/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1950

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle,Flat
  • Construction materials: Frame

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,ENERGY STAR Qualified Refrigerator,Microwave,Self Cleaning Oven,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Cooktop,Washer,Water Heater,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Area: 1000

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Finished,Heated,Improved,Exterior Entry,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bathroom - Stall Shower,Bathroom - Tub Shower,Bar,Built-in Features,Ceiling Fan(s),Chair Railings,Combination Kitchen/Dining,Crown Molding,Kitchenette,Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),Dry Wall
  • Door features: Storm Door(s),Six Panel,French Doors
  • Flooring: Ceramic Tile,Hardwood,Luxury Vinyl,Wood
  • Finished area below ground: 1,000
  • Finished area above ground: 2,000

Heating & Cooling

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

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 161301225477
  • Attached to another structure: Yes
  • Zoning: R40
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Exterior features: Lighting,Storage,Other
  • Fencing: Board,Back Yard

Lot

  • Lot size: 3,600 sqft
  • Features: Front Yard,Landscaped,Rear Yard,Suburban

Parking

  • Parking features: Concrete,Private,Driveway
  • 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 $2,856$34,272
Home Insurance *$132$1,584
Property Taxes $678$8,136
Electricity $382$4,586
Total$4,048$48,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,788/yr
40% on housing$121,440/yr
45% on housing$107,946/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

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 20902$241
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20902$318
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
2026-04-23Price change$585,000
2026-03-26Listed for sale$599,000
2026-03-25Contingent$599,000
2026-01-21Listed for sale$599,000
2026-01-01Listing removed$599,900
2025-12-18Listed for sale$599,900
2025-12-02Contingent$599,900
2025-11-25Listed for sale$599,900
2010-04-20Sold$160,000

For Sale by Agent

AgentJan Rivera
BrokerageCASAS Real Estate, Inc.

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