2955 Echo Lake Dr, Loveland, CO 80538 Property Records

Larimer County property record for 2955 Echo Lake Dr, Loveland, CO 80538

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,976 sqft · built 2020
Lot Size	0.171 acres (7,474 sqft)
Owner	Individual Name on File
Last Sale	$397,100 (Nov 2020)
Tax Bill	$5,889 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85043-13-010`

Property Details

APN / Parcel Number

Primary APN	`85043-13-010`
Alternative APN	`R1666139`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,474 sqft (0.171 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666139
Street Address	2955 ECHO LAKE DR
City	LOVELAND
State	CO
Zip	80538-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, BLOCK 6, MILLENNIUM NORTHWEST ELEVENTH SUB, LOV (20170086036)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM NORTHWEST 11TH SUB
Legal Block	6
Legal Lot Number	10
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2071
Census Tract	1715

Owner

2955 Echo Lake Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2955 ECHO LAKE DR, LOVELAND, CO 80538-8213
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2020 · Amount on File
Deed Sale	Nov 9, 2020 · Amount on File
Deed Document Number	20200092938
Record Updated	Jun 8, 2026

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Nov 9, 2020
Property Address	2955 ECHO LAKE DR, LOVELAND, CO 80538-8213
Document Number	0000092938
Map Reference	DPC 2501700860036
Instrument Date	Oct 29, 2020
Instrument	20200092938
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 11, 2022
Title Company	AMERICAN HOME TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.71
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4350 S MONACO ST, 4350, DENVER, CO 80237-3400

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2955 ECHO LAKE DR, LOVELAND, CO 80538-8213

Mortgage

Document Number	0000092939
Date	Nov 9, 2020
Instrument	20200092939

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2955 Echo Lake Dr was $5,889.

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	$5,889.00	$33,794 Land $9,275 Building $24,519	$540,700 Land $148,400 Building $392,300
2023	$5,288.00 (+24.6%)	$35,644 (+33.07%) Land $9,943 Building $25,701	$532,000 (+38.04%) Land $148,400 Building $383,600
2022	$4,244.00	$26,785 Land $7,645 Building $19,140	$385,400 Land $110,000 Building $275,400

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 2955 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 2955 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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