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822 Loxford Ter, Silver Spring, MD, 20901

3beds
3baths
2,433sqft
$674,900
$277price/sqft
$4,522/moest. monthly cost
$180,880/yrincome needed

About This Home

NEW PRICE + $2,500 SELLER CREDIT! With an acceptable full-price offer, sellers are offering a $2,500 credit that buyers may apply toward personalizing the outdoor space or other allowable closing costs, subject to lender approval. See the virtually staged outdoor-space image for inspiration! Beautifully maintained and extensively updated, this move-in-ready Forest Knolls home offers more than 2,400 square feet of finished living space, three bedrooms, two full and one half baths, a versatile den, multiple gathering spaces, and exceptional privacy. One of the home's most distinctive features is the attached garage with adjoining workshop and storage room—an uncommon neighborhood amenity offering wonderful possibilities for hobbies, projects, storage, or workspace. Major improvements include a roof installed in 2018 per prior seller disclosure documents, new HVAC (2025), EV charging hookup, and extensive interior updates. The welcoming lower level features a spacious family room centered around a wood-burning fireplace and a private den with newly installed double doors—ideal for a home office, guest space, fitness room, studio, or playroom. A powder room, laundry area, and direct garage access complete this flexible level. Upstairs, hardwood floors and abundant natural light create bright, inviting living spaces. The spacious living and dining areas flow into a beautiful sunroom, where three skylights and expansive windows overlook the mature trees and backyard. It's a wonderful year-round setting for morning coffee, reading, entertaining, or simply enjoying the surrounding greenery. The updated kitchen offers extensive cabinetry, granite countertops, stainless steel appliances, generous workspace, and a new refrigerator (2025). Three comfortable bedrooms include a spacious primary suite with a beautifully renovated bath featuring heated tile floors, granite countertops, clawfoot soaking tub, walk-in shower with three shower heads, private water closet, and abundant natural light. Two additional bedrooms offer excellent closet space and share an updated hall bath. Outside, the deck extends the living space beneath a canopy of mature trees, offering a private setting for outdoor dining, entertaining, or relaxing. The fenced backyard's natural topography and established landscaping create privacy and visual interest, while the upper terrace offers additional possibilities for seating, gardening, or creating your own outdoor retreat. See the virtually staged conceptual image for inspiration on making the outdoor space your own. Forest Knolls offers a strong sense of community and outstanding access to recreation. Nearby Northwest Branch Trail provides opportunities for hiking, biking, and nature walks, and residents can join the neighborhood pool. Forest Knolls Elementary and Northwood High School are both within walking distance without crossing major roadways. Recent improvements include: new HVAC, refrigerator, dryer, screen door, and den doors (2025); renovated kitchen, primary bath, hall bath and powder room; whole-house interior painting; EV charging hookup; and sunroom addition. Additional features include the attached garage/workshop, and 2018 roof. With extensive updates already completed, flexible living space, unique amenities, and a private setting in established Forest Knolls, 822 Loxford Terrace is ready for its next owner to make it home.

Getting Around

20
WalkingCar-Dependent
47
TransitSome Transit
15
BikeSomewhat Bikeable

Schools

7/10
7/10
Northwood High SchoolGrades 9-125.8 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1962

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Disposal,Dryer,Dual Flush Toilets,Exhaust Fan,Humidifier,Self Cleaning Oven,Oven/Range - Gas,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Other

Bedroom1

  • Features: Flooring - Solid Hardwood
  • Level: Upper

Bedroom2

  • Features: Flooring - Solid Hardwood
  • Level: Upper

Bedrooms & Bathrooms

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

Den

  • Level: Main

Dining Room

  • Features: Flooring - Solid Hardwood
  • Level: Upper

Family Room

  • Features: Flooring - Ceramic Tile
  • Level: Main

Features

  • Breakfast Area,Ceiling Fan(s),Dining Area,Eat-in Kitchen,Kitchen - Gourmet,Pantry,Primary Bath(s),Recessed Lighting,Soaking Tub,Bathroom - Stall Shower,Upgraded Countertops,Walk-In Closet(s)
  • Window features: Bay/Bow,Double Pane Windows,Skylight(s)
  • Flooring: Hardwood,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 761
  • Finished area above ground: 1,672

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,779
  • Total interior livable area: 2,433 sqft

Kitchen

  • Level: Upper

Laundry

  • Level: Main

Living Room

  • Features: Flooring - Solid Hardwood
  • Level: Upper

Other

  • Level: Upper

Other

  • Level: Upper

Primary Bathroom

  • Features: Soaking Tub
  • Level: Upper

Primary Bedroom

  • Features: Flooring - Solid Hardwood
  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 161301350173
  • Zoning: R60
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Wood

Lot

  • Lot size: 7,664 sqft

Parking

  • Total spaces: 1
  • Parking features: Storage,Concrete,Attached,Driveway
  • 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 $3,412$40,944
Home Insurance *$167$2,004
Property Taxes $634$7,608
Electricity $309$3,719
Total$4,522$54,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,040/yr
40% on housing$135,660/yr
45% on housing$120,586/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

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 20901$276
Montgomery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 20901$329
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
2026-07-22Price change$674,900
2026-06-18Listed for sale$699,999
2021-08-13Sold$620,076
2021-07-12Pending sale$569,750
2021-07-07Listed for sale$569,750
2016-06-27Sold$442,000

For Sale by Agent

AgentCari Jordan
BrokerageRLAH @properties

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