2907 Photon Ct, Loveland, CO 80537 Property Records

Larimer County property record for 2907 Photon Ct, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2017
Lot Size	0.182 acres (7,935 sqft)
Owner	2 Individual Names on File
Last Sale	$628,000 (Apr 2026)
Tax Bill	$4,467 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85173-79-013`

Property Details

APN / Parcel Number

Primary APN	`85173-79-013`
Alternative APN	`R1656093`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,566 sqft Living Area
Gross Area	3,732 sqft
Basement Area	726 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,935 sqft (0.182 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1656093
Street Address	2907 PHOTON CT
City	LOVELAND
State	CO
Zip	80537-6503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13, BLOCK 5,MILLENNIUM SW 8TH SUB, LOV (20140012750)
Legal Range	68W
Legal Township	5N
Legal Section	17
Legal Subdivision	MILLENNIUM SW 8TH SUB
Legal Block	5
Legal Lot Number	13
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1008
Census Tract	1710

Owner

2907 Photon Ct is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2907 PHOTON CT, LOVELAND, CO 80537-6503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 1, 2024	Deed of Trust, Mortgage · Closed-End Mortgage FIRSTBANK
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage KINGS FEDERAL CREDIT UNION
Jun 26, 2017	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE ALLIANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Jun 26, 2017 · Amount on File
Deed Document Number	202615759
Prior Transfer Date	Dec 12, 2019
Prior Transfer Doc	0000080121
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2907 PHOTON CT, LOVELAND, CO 80537-6503
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2907 PHOTON CT, LOVELAND, CO 80537-6503

Mortgage

Document Number	0000012222
Date	Apr 1, 2024
Instrument	20240012222

Lender

Name	FIRSTBANK
Type	Bank
Address	DENVER, CO 80215

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 10, 2034

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2907 PHOTON CT, LOVELAND, CO 80537-6503
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039476
Date	Apr 20, 2021
Instrument	20210039476

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	316 Months
Due	Aug 1, 2047

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 6, 2026
Property Address	2907 PHOTON CT, LOVELAND, CO 80537-6503
Document Number	0000015759
Instrument Date	Apr 3, 2026
Instrument	202615759
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	GUARANTEED TITLE COMPANY, GUARANTEED TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,342.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2907 PHOTON CT, LOVELAND, CO 80537-6503

Mortgage

Document Number	0000015760,
Date	Apr 6, 2026
Instrument	202615760

Lender

Name	KINGS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 26, 2017
Property Address	2907 PHOTON CT, LOVELAND, CO 80537-6503
Document Number	0000041897
Instrument Date	Jun 23, 2017
Instrument	20170041897
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	HERITAGE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.06
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2907 PHOTON CT, LOVELAND, CO 80537-6503

Mortgage

Document Number	0000041898
Date	Jun 26, 2017
Instrument	20170041898

Lender

Name	HOME MORTGAGE ALLIANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2907 Photon Ct was $4,467, up 7.3% from the year before.

Source: Larimer County assessment roll, as of February 9, 2026

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	$4,467.00 (+7.25%)	$36,638 Land $5,750 Building $30,888	$586,200 Land $92,000 Building $494,200
2024	$4,165.00 (+1.98%)
2023	$4,084.00 (+14.17%)	$39,255 (+27.5%) Land $6,164 Building $33,091	$585,900 (+32.26%) Land $92,000 Building $493,900
2022	$3,577.00	$30,789 Land $6,394 Building $24,395	$443,000 Land $92,000 Building $351,000

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 2907 Photon Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2907 Photon Ct is low, with less than 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 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 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 523 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 / 250
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile, Vistabeam.

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