20618 Top Ridge Dr
A private waterfront home in Montgomery County. Situated on two private acres along the shoreline of Little Seneca Lake, this architect-designed custom residence offers lakefront living with convenient access to I-270. Located within an intimate enclave of custom-built homes, where no two properties are alike, this exceptional setting combines the privacy of a waterfront retreat with the convenience of nearby shopping, dining, and major commuter routes. Surrounded by protected parkland, scenic trails, and the natural beauty of Little Seneca Lake, the property offers a distinctive waterfront setting. Thoughtfully designed to embrace its extraordinary setting, the home features five bedrooms, three and one-half baths, and multiple indoor and outdoor living spaces designed to capture natural light, water views, and the beauty of the surrounding landscape. Expansive windows, generous gathering spaces, a screened porch, deck, and patio create a seamless connection between the home and its remarkable waterfront surroundings. The home also features a geothermal system for both heating and cooling, adding an efficient approach to year-round comfort. Little Seneca Lake offers access to an array of outdoor recreational opportunities. Enjoy direct access to a natural setting offering opportunities for kayaking, fishing, hiking, birdwatching, and miles of scenic shoreline. Enjoy peaceful water views, access to the lake and surrounding trails, and sunsets reflected across the water. The setting provides a sense of retreat and tranquility that feels far removed from the Washington metropolitan area, yet remains minutes from the amenities and conveniences of daily life. Unlike production-built homes, this residence was custom designed by an architect to maximize both functionality and its exceptional location. Thoughtful sightlines, abundant natural light, and timeless design elements create a home with character, warmth, and a strong connection to the outdoors. Combining waterfront ownership, the privacy of a two-acre homesite, the enduring appeal of a custom-designed home, and the character of a neighborhood comprised entirely of unique custom residences, 20618 Top Ridge Drive represents a distinctive opportunity in Montgomery County. Properties offering this combination of waterfront access, architectural distinction, natural beauty, and location offer a unique combination of features within the area.
Listing Information
Facts & Features
Location
Community Information
Architecture
Features & Amenities
Property Features
Square Footage
Tax & Financial Information
Schools
Spark M. Matsunaga Elementary
Germantown Elementary
Clarksburg Elementary
Northwest High
William B. Gibbs Junior Elementary
Kingsview Middle
Waters Landing Elementary
Clopper Mill Elementary
School ratings are provided for informational purposes only and are subject to change. Attendance boundaries are for reference only — contact the school or district directly to verify enrollment eligibility.
Historical Data
Price History
| Date | Event | Price |
|---|---|---|
| 10/02/2026 | Listed for sale | $900,000 |
Listed by Robert J Chew · Samson Properties · 7033493900
Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Bright. All rights reserved.
Last Updated: November 2, 2026 at 8:26 PM | Source: Bright | MLS#: MDMC2248154

Start Your Real Estate Journey
Whether you have questions about this listing, want to schedule a showing, or just want to talk through your options, Ashley Stout is here to help. Reach out and expect a response within one business day.
How can I help?
Ashley Stout is here to help. Reach out and expect a response within one business day.
Thanks — Ashley Stout will be in touch shortly.
Make A Plan For Your Purchase
Know what you can afford before you start shopping — then run the numbers on any home you have in mind.
How much house can I afford?
- Principal & interest
- Property taxes
- Homeowner's insurance
- HOA dues
If your monthly savings are applied to the loan principal.
Enter your income, debts, and down payment to see how much home you may qualify for. Estimates only — not a lending decision.
Want to know more?
Frank Ranzino is here to help. Reach out and expect a response within one business day.
✓ Thanks — Frank Ranzino will be in touch shortly.
Your Next Chapter Starts With Just A Few Steps
Before you fall in love with a home, know what you can afford. Fill out a quick pre-approval so you're ready to make your move — on your timeline.

Pre-approval made easy
We're here to help you find the best option, not to help the best option find you. Trust that your information will not be shared with many different lenders like so many platforms do.
What type of home are you looking for?
How do you plan to use your new home?
Where are you in the home buying process?
Are you currently working with a real estate agent?
Do you currently own a home?
Is this your first time purchasing a home?
Do you plan to sell your current home before purchasing a new one?
Have you or your spouse served in the US military?
Veterans and active US military may be eligible for a $0 down VA loan.
What is your price range?
What is your current employment status?
What is your household pre-tax annual income?
What is your credit score?
Have you had a bankruptcy or foreclosure in the past 3 years?
Almost done — where can we reach you?
✓ Thank you for your time!
You'll hear back within one business day with your next steps.





