2971 Photon Ct, Loveland, CO 80537 Property Records

Larimer County property record for 2971 Photon Ct, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,937 sqft · built 2016
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on File
Last Sale	$390,035 (May 2017)
Tax Bill	$4,436 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85173-79-009`

Property Details

APN / Parcel Number

Primary APN	`85173-79-009`
Alternative APN	`R1656089`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,937 sqft Living Area
Gross Area	3,867 sqft
Basement Area	1,060 sqft
Finished Basement	768 sqft
Unfinished Basement	292 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1656089
Street Address	2971 PHOTON CT
City	LOVELAND
State	CO
Zip	80537-6503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9, 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	9
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1008
Census Tract	1710

Owner

2971 Photon Ct is owned and occupied by two individuals who bought it in May 2017.

Source: Larimer County records, as of June 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2971 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
May 28, 2026	Deed of Trust, Mortgage · Line of Credit ZIONS BANCORPORATION NA
May 8, 2017	Warranty Deed, Transfer · Conventional Mortgage ELEVATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2017 · Amount on File
Deed Sale	May 8, 2017 · Amount on File
Deed Document Number	201729705
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	May 28, 2026
Property Address	2971 PHOTON CT, LOVELAND, CO 80537-6503
Document Number	0000025324
Instrument Date	May 15, 2026
Instrument	202625324
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2971 PHOTON CT, LOVELAND, CO 80537-6503

Mortgage

Document Number	0000025324,
Date	May 28, 2026
Instrument	202625324

Lender

Name	ZIONS BANCORPORATION NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	May 8, 2017
Property Address	2971 PHOTON CT, LOVELAND, CO 80537-6503
Document Number	0000029705
Instrument Date	May 4, 2017
Instrument	20170029705
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.00
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	2971 PHOTON CT, LOVELAND, CO 80537-6503

Mortgage

Document Number	0000029707
Date	May 8, 2017
Instrument	20170029707

Lender

Name	ELEVATIONS CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2971 Photon Ct was $4,436.

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	$4,436.00	$36,381 Land $5,750 Building $30,631	$582,100 Land $92,000 Building $490,100
2023	$4,154.00 (+13.81%)	$39,865 (+26.87%) Land $6,164 Building $33,701	$595,000 (+31.61%) Land $92,000 Building $503,000
2022	$3,650.00	$31,421 Land $6,394 Building $25,027	$452,100 Land $92,000 Building $360,100

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 2971 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 2971 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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