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38 Derby Dr , La Plata, MD 20646
$438,498
Est. Payment: $2,407.83/mo
4 Bed
3 Bath
2762 Sqft
0.05 Acres
Status: pending | Days on site: 24
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RMXO3 - 3094450
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House Description

NEW PRICE. MOVE-IN READY. AND AN OPPORTUNITY WORTH A SECOND LOOK. If you've been waiting for the right home, the right value, and the right moment to make a move in The Villages of Steeplechase, 38 Derby Drive deserves your attention. Back on the market with a significant new price adjustment, this impeccably maintained Augusta Villa is being offered by its original owner and delivers a combination buyers rarely find in one property: true main-level living, exceptional outdoor space, a finished walkout lower level, a private wooded backdrop, low-maintenance living, and the flexibility to settle in as little as 30 days. And there's more: a local lender is currently offering a complimentary rate buydown for qualified buyers, creating an opportunity to potentially reduce the cost of homeownership at a time when every dollar matters. Ask your agent for details and lender qualifications. From the moment you arrive, it's clear this home has been cared for. Inside, hardwood floors, 9-foot ceilings, crown molding, updated lighting, and new ceiling fans create a polished yet comfortable interior. The open-concept great room is anchored by a gas fireplace with custom built-in cabinetry and flows naturally into the dining area—equally suited for quiet evenings at home or a house full of guests. But one of this home's greatest advantages is how easily it lives. The main level includes a spacious owner's suite with private bath and walk-in closet, plus a second bedroom and full bath. Whether you're looking for the convenience of fewer stairs, space for guests, a dedicated office, or simply a floor plan that can adapt as life changes, this home gives you options. Then there's the lower level. The finished walkout expands the home with a large recreation/family room, third bedroom, full bath, and an additional finished room currently serving as a full-size laundry room. Need a home office? Fitness room? Hobby space? Media room? Additional guest space? The square footage is here to make it your own. The laundry room can also be converted back to a fourth bedroom. And when it's time to unwind, head outside. Backing to mature woods with no homes immediately behind you, the oversized screened porch is a standout feature—and one you have to experience in person. Morning coffee, dinner outside, game day with friends, or an evening surrounded by the trees: this feels less like a porch and more like another living room. A spacious composite deck provides even more outdoor space with minimal upkeep. Steeplechase makes everyday living easier, too. HOA services include lawn mowing, mulching, shrub trimming, and front-yard irrigation, while community amenities include a clubhouse, two fitness centers, swimming pool, wooded walking trails, and playground. This section also has no front foot fee and enjoys a quieter setting with minimal through traffic. Located minutes from downtown La Plata's shopping, dining, and healthcare, with convenient access to major Southern Maryland commuter routes, 38 Derby Drive is also well positioned for buyers relocating to the area or working throughout the Southern Maryland and greater Washington, D.C. region. The original owner has maintained it. The home is move-in ready. The wooded privacy is already here. The sellers can accommodate a quick settlement. And now, the price has changed. If 38 Derby Drive was on your radar before, it's time to take another look. If you're seeing it for the first time, don't wait for someone else to discover what you just did. Welcome home.

Highlights

Listed by Amy A Gallo , 2405086074 RE/MAX One , 4432956123. Bright MLS

Property Type

Townhome

Lot/Acreage
0.05

HOA Fee

189 Monthly

Year Built

2017

County

Charles

Neighborhood

The Villages Of Steeplechase

School District

Charles County Public Schools

Listing ID

MDCH2059748

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Icemaker, Oven/Range - Electric, Stainless Steel Appliances, Refrigerator
Floor:Carpet,Tile/Brick,Hardwood
Above Ground Sq Ft:1381
Below Ground Sq Ft:1381
Basement:Fully Finished,Garage Access,Walkout Level
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Built-Ins, Upgraded Countertops, Recessed Lighting, Formal/Separate Dining Room, Attic, Ceiling Fan(s), Combination Kitchen/Living, Crown Moldings, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Pantry, Primary Bath(s), Window Treatments, Cats OK, Dogs OK, Pets Allowed
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,In City Limits
Garage Capacity:2
Zoning:RESIDENTIAL
Roof:Architectural Shingle
Others:
  • ▪ Additional:Gutter System, Excellent, Very Good, Exercise Room, Fitness Center, Jog/Walk Path, Pool - Outdoor, Bike Trail, Club House, Common Grounds, Swimming Pool, Tot Lots/Playground, Lawn Care Front, Lawn Care Side, Lawn Maintenance, Management, Pool(s), Reserve Funds, Snow Removal, Trash
Sewer:Public Sewer
Parking Features:Garage - Rear Entry,Attached Garage,2+ Spaces,1+ Spaces
Principal Interest
$2,408
Taxes
$735
HOA
$189

Home Price

$438,498

Loan Details

30 yrs
7.312%

Down Payment

20%
$87,700
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:
$2,407.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,407.83 $735.06 $189.00 $3,331.89
Yearly $28,894.00 $8,820.69 $2,268.00 $39,982.69
Total $866,819.98 $264,620.70 $68,040.00 $1,199,480.68
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (La Plata, 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: 2026-11-14T13:14:08.000Z

© 2026 Bright MLS