2893 Echo Lake Dr, Loveland, CO 80538 Property Records

Larimer County property record for 2893 Echo Lake Dr, Loveland, CO 80538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,711 sqft · built 2017
Lot Size	0.128 acres (5,602 sqft)
Owner	Individual Name on File
Last Sale	$418,450 (May 2019)
Tax Bill	$6,400 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85043-16-002`

Property Details

APN / Parcel Number

Primary APN	`85043-16-002`
Alternative APN	`R1666178`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,711 sqft Living Area
Basement Area	962 sqft
Finished Basement	88 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,602 sqft (0.128 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666178
Street Address	2893 ECHO LAKE DR
City	LOVELAND
State	CO
Zip	80538-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLOCK 9, MILLENNIUM NORTHWEST ELEVENTH SUB, LOV (20170086036)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM NORTHWEST 11TH SUB
Legal Block	9
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2071
Census Tract	1715

Owner

2893 Echo Lake Dr is owned and occupied by an individual who bought it in May 2019.

Source: Larimer County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	2893 ECHO LAKE DR, LOVELAND, CO 80538-8206
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONS HM FIN
May 10, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONS HM FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on File
Deed Sale	May 10, 2019 · Amount on File
Deed Document Number	20190024453
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2893 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000032851
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2893 ECHO LAKE DR LOVELAND CO 805388206, LOVELAND, CO 80538-8206

Mortgage

Document Number	0000032851
Date	May 12, 2020
Instrument	32851

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 11, 2035

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	May 10, 2019
Property Address	2893 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000024453
Instrument Date	May 8, 2019
Instrument	24453
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2019
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.84
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2893 ECHO LAKE DR LOVELAND CO 80538, LOVELAND, CO 80538

Mortgage

Document Number	24454
Date	May 10, 2019
Instrument	24454

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 9, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 2893 Echo Lake Dr was $6,400.

Source: Larimer County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Loveland City
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,400.00	$36,725 Land $9,275 Building $27,450	$587,600 Land $148,400 Building $439,200
2023	$5,712.00 (+26.57%)	$38,204 (+34.14%) Land $9,943 Building $28,261	$570,200 (+39.14%) Land $148,400 Building $421,800
2022	$4,513.00	$28,481 Land $9,334 Building $19,147	$409,800 Land $134,300 Building $275,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2893 Echo Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2893 Echo Lake Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LOVELAND serves 91,077 people · EPA ID CO0135485
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Loveland Pulse Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber	1,000 / 1,000
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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