2894 Echo Lake Dr, Loveland, CO 80538 Property Records

Larimer County property record for 2894 Echo Lake Dr, Loveland, CO 80538

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,822 sqft · built 2018
Lot Size	0.13 acres (5,680 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Feb 2022)
Tax Bill	$7,083 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jun 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85043-17-002`

Property Details

APN / Parcel Number

Primary APN	`85043-17-002`
Alternative APN	`R1666181`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,822 sqft Living Area
Basement Area	1,096 sqft
Finished Basement	110 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2018
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,680 sqft (0.13 acres)
Garage Type	Attached
Garage Area	711 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666181
Street Address	2894 ECHO LAKE DR
City	LOVELAND
State	CO
Zip	80538-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLOCK 10, MILLENNIUM NORTHWEST ELEVENTH SUB, LOV (20170086036)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM NORTHWEST 11TH SUB
Legal Block	10
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2062
Census Tract	1715

Owner

2894 Echo Lake Dr is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2894 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
Feb 11, 2022	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 3, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE
Feb 21, 2020	Deed of Trust, Mortgage · Conventional with PMI CLOSINGMARK HM LNS INC
Sep 3, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI CLOSINGMARK HM LNS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Prior Sale	Jun 3, 2021 · Amount on File
Deed Document Number	20220009628
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Feb 11, 2022
Property Address	2894 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000009628
Instrument Date	Feb 1, 2022
Instrument	20220009628
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2894 ECHO LAKE DR, LOVELAND, CO 80538-8206

Mortgage

Document Number	0000009629
Date	Feb 11, 2022
Instrument	20220009629

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 3, 2021
Property Address	2894 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000054383
Instrument Date	May 28, 2021
Instrument	20210054383
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$63.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2894 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000013341
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2894 ECHO LAKE DR LOVELAND CO 805388206, LOVELAND, CO 80538-8206

Mortgage

Document Number	0000013341
Date	Feb 27, 2020
Instrument	13341

Lender

Name	CLOSINGMARK HM LNS INC
Address	ONTARIO, CA 91761

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2050

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 3, 2019
Property Address	2894 ECHO LAKE DR, LOVELAND, CO 80538-8206
Document Number	0000052274
Instrument Date	Aug 28, 2019
Instrument	52274
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 17, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.69
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2894 ECHO LAKE DR HYGIENE CO 80533, HYGIENE, CO 80533

Mortgage

Document Number	52275
Date	Sep 3, 2019
Instrument	52275

Lender

Name	CLOSINGMARK HM LNS INC
Address	ONTARIO, CA 91761

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2894 Echo Lake Dr was $7,083.

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	$7,083.00	$40,644 Land $9,275 Building $31,369	$650,300 Land $148,400 Building $501,900
2023	$6,441.00 (+18.68%)	$42,612 (+24.41%) Land $9,943 Building $32,669	$636,000 (+29.06%) Land $148,400 Building $487,600
2022	$5,427.00	$34,250 Land $7,645 Building $26,605	$492,800 Land $110,000 Building $382,800

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 2894 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 2894 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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