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12173 Flag Harbor Dr , Germantown, MD 20874
$399,900
Est. Payment: $2,195.89/mo
3 Bed
3 Bath
1728 Sqft
0.03 Acres
Status: active under contract | Days on site: 17
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RXTC1 - 3017706
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House Description

WELCOME TO PEACEFUL LAKESIDE LIVING IN GERMANTOWN! INSIDE PICS COMING FRIDAY. Discover this beautifully updated, move-in-ready residence in the desirable Gunners Lake Village community, offering 3 bedrooms, 2.5 bathrooms, and 1,728 square feet of finished living space. Backing to a wooded area with no homes directly behind the property, this residence combines a private outdoor setting, meaningful recent improvements, and convenient access to shopping, recreation, and major commuter routes. The main level features fresh interior paint and all-new flooring, creating a bright, refreshed atmosphere throughout the living areas. The well-appointed kitchen includes granite countertops, stainless steel appliances, cherry wood cabinetry, and generous counter and cabinet space. Its practical layout supports everyday cooking and meal preparation while providing ample storage. A sliding glass door off the family room area connects the interior living space to a private backyard overlooking the wooded surroundings. A rear gate provides additional access beyond the yard. The upper level features three bedrooms, one full bathroom, and new carpeting throughout. The finished lower level expands the home's usable living space with a large recreation area that can accommodate a variety of activities and furniture arrangements. An updated full bathroom, renovated in 2022, adds convenience, while the laundry area features a new washer and dryer installed in 2026. Significant property improvements include a new HVAC system installed in 2024, roof replacement within the past 10 years, and replacement windows installed in 2009. Together with the recently updated flooring, carpeting, paint, and laundry appliances, these improvements reflect substantial attention to the home's interior finishes and major components. Gunners Lake Village offers a convenient location near shopping centers, grocery stores, restaurants, and outdoor recreation. Waring Station Park is less than one mile away, and major transportation routes, including Interstate 270 and Great Seneca Highway, are just minutes from the community. The property's lakeside neighborhood setting provides an appealing connection to the surrounding natural environment. With three finished levels, recent improvements, a wooded rear setting, and convenient access to local amenities, this home offers a compelling combination of comfort, function, and location.

Highlights

Listed by Ken M Abramowitz , 3015262380 RE/MAX Town Center , 3015402232. Bright MLS

Property Type

Townhome

Lot/Acreage
0.03

HOA Fee

105 Monthly

Year Built

1988

County

Montgomery

Neighborhood

Gunners Lake Village

School District

Montgomery County Public Schools

Listing ID

MDMC2260464

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:1152
Below Ground Sq Ft:576
Basement:Fully Finished
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:1
Zoning:PD9
Others:
  • ▪ Additional:Trash, Snow Removal, Common Area Maintenance
Sewer:Public Sewer
Parking Features:Parking Lot,1+ Spaces
Principal Interest
$2,196
Taxes
$355
HOA
$105

Home Price

$399,900

Loan Details

30 yrs
7.312%

Down Payment

20%
$79,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,195.89

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,195.89 $355.33 $105.00 $2,656.22
Yearly $26,350.66 $4,264.00 $1,260.00 $31,874.66
Total $790,519.70 $127,920.00 $37,800.00 $956,239.70
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Germantown, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T11:13:36.000Z

© 2026 Bright MLS