3312 Clay St, Silver Spring, MD 20902 is a beautifully remodeled ranch/rambler offering both a comfortable home and a ready-made investment opportunity. This 5-bedroom, 2-bathroom property currently thrives as an Airbnb rental, generating enough income to cover the monthly mortgage payment—a significant advantage for savvy buyers. The home will be sold fully furnished, allowing you to seamlessly continue its income-producing setup (all furnishings are included except for highchairs in the kitchen and book collections). The thoughtfully designed layout features two bedrooms on the main level, complete with a full kitchen and bathroom. The basement offers three additional bedrooms, a second full kitchen (remodeled in 2024), and another full bathroom, making it ideal for guests, rental income, or multi-generational living. Additional highlights include a spacious living and dining room combination for entertaining, freshly painted interiors with hardwood floors, and durable vinyl windows. The main kitchen is appointed with stainless steel appliances and granite countertops, and a private backyard provides the perfect setting for gardening and relaxation. Located in a prime area near downtown Silver Spring and Wheaton, the property offers easy access to shopping, dining, and transit. Additionally, attractive financing is available with an assumable mortgage featuring a competitive interest rate from the current financier. For buyers seeking a turnkey investment or a home with exceptional financial advantages, this property is an absolute must-see!
For sale
$628,000
3312 Clay St, Silver Spring, MD 20902
5beds
1,596sqft
Est.:
Single Family Residence
Built in 1953
7,627 Square Feet Lot
$-- Zestimate®
$393/sqft
$-- HOA
What's special
Private backyardThoughtfully designed layoutComfortable homeFreshly painted interiorsHardwood floorsStainless steel appliancesDurable vinyl windows
- 204 days |
- 235 |
- 4 |
Zillow last checked: 8 hours ago
Listing updated: August 14, 2025 at 09:53am
Listed by:
heaven Bedada 240-516-4915,
EXP Realty, LLC 8888607369
Source: Bright MLS,MLS#: MDMC2182410
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 2
Basement
- Area: 912
Heating
- Central, Natural Gas
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Dishwasher, Dryer, Cooktop, Oven, Refrigerator, Washer, Gas Water Heater
- Laundry: In Basement
Features
- 2nd Kitchen, Dining Area, Entry Level Bedroom, Pantry, Bathroom - Tub Shower
- Flooring: Wood
- Basement: Connecting Stairway,Improved,Sump Pump,Finished,Partial,Side Entrance,Windows,Walk-Out Access
- Has fireplace: No
Interior area
- Total structure area: 1,824
- Total interior livable area: 1,596 sqft
- Finished area above ground: 912
- Finished area below ground: 684
Property
Parking
- Total spaces: 3
- Parking features: Garage Faces Front, Concrete, Detached, Driveway, On Street
- Garage spaces: 1
- Uncovered spaces: 2
Accessibility
- Accessibility features: Accessible Entrance
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Size: 7,627 Square Feet
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 161301225353
- Zoning: R60
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subtype: Single Family Residence
Materials
- Frame, Brick, Masonry
- Foundation: Other
- Roof: Architectural Shingle
Condition
- New construction: No
- Year built: 1953
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Connecticut Avenue Estates
HOA
- Has HOA: No
Location
- Region: Silver Spring
Financial & listing details
- Price per square foot: $393/sqft
- Tax assessed value: $465,600
- Annual tax amount: $5,521
- Date on market: 5/22/2025
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 8/14/2025 | Price change | $628,000-6.3%$393/sqft |
Source: | ||
| 6/22/2025 | Price change | $670,000-10.7%$420/sqft |
Source: | ||
| 5/22/2025 | Listed for sale | $750,000+59.2%$470/sqft |
Source: | ||
| 3/26/2021 | Sold | $471,100+1.1%$295/sqft |
Source: | ||
| 2/28/2021 | Pending sale | $465,900$292/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,232 +9.2% | $465,600 +11.9% |
| 2024 | $4,790 +13.4% | $416,067 +13.5% |
| 2023 | $4,223 +20.7% | $366,533 +15.6% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,654/mo
Principal & interest
$2989
Property taxes
$445
Home insurance
$220
Climate risks
Neighborhood: 20902
Nearby schools
GreatSchools rating
- 5/10Sargent Shriver Elementary SchoolGrades: PK-5Distance: 0.7 mi
- 4/10A. Mario Loiederman Middle SchoolGrades: 6-8Distance: 0.6 mi
- 5/10Wheaton High SchoolGrades: 9-12Distance: 0.2 mi
Schools provided by the listing agent
- Elementary: East Silver Spring
- District: Montgomery County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
- Loading
- Loading






