2998 Echo Lake Dr, Loveland, CO 80538 Property Records

Larimer County property record for 2998 Echo Lake Dr, Loveland, CO 80538

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,965 sqft · built 2018
Lot Size	0.16 acres (6,990 sqft)
Owner	Individual Name on File
Last Sale	$454,000 (Sep 2020)
Tax Bill	$6,422 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85043-14-021`

Property Details

APN / Parcel Number

Primary APN	`85043-14-021`
Alternative APN	`R1666161`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,965 sqft Living Area
Basement Area	1,965 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,990 sqft (0.16 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666161
Street Address	2998 ECHO LAKE DR
City	LOVELAND
State	CO
Zip	80538-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21, BLOCK 7, MILLENNIUM NORTHWEST ELEVENTH SUB, LOV (20170086036)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM NORTHWEST 11TH SUB
Legal Block	7
Legal Lot Number	21
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2068
Census Tract	1715

Owner

2998 Echo Lake Dr is owned and occupied by an individual who bought it in September 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	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
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 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Aug 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BUTTON FINANE INC
Apr 1, 2025	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL LENDING CORP
Aug 19, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WILLIAM LYON MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Aug 19, 2019 · Amount on File
Deed Document Number	20200071986
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045038
Date	May 6, 2021
Instrument	20210045038

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050666
Date	Aug 15, 2022
Instrument	20220050666

Lender

Name	BUTTON FINANE INC
Address	WHITE PLAINS, NY 10606

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214

Mortgage

Document Number	0000013236
Date	Apr 1, 2025
Instrument	20250013236

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 9, 2020
Property Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Document Number	0000071986
Instrument Date	Sep 4, 2020
Instrument	20200071986
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.40
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	2978 ECHO LAKE DR, LOVELAND, CO 80538-8214
Investor	Possibly a Property Investor

Mortgage

Document Number	0000071987
Date	Sep 9, 2020
Instrument	20200071987

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Aug 19, 2019
Property Address	2998 ECHO LAKE DR, LOVELAND, CO 80538-8214
Document Number	0000048361
Instrument Date	Aug 15, 2019
Instrument	20190048361
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.60
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	2988 LAKE DR # ECHO, ECHO, LOVELAND, CO 80538-2254

Mortgage

Document Number	0000048362
Date	Aug 19, 2019
Instrument	20190048362

Lender

Name	WILLIAM LYON MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2998 Echo Lake Dr was $6,422.

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	$6,422.00	$36,850 Land $9,275 Building $27,575	$589,600 Land $148,400 Building $441,200
2023	$6,083.00 (+21.85%)	$40,448 (+28.39%) Land $9,943 Building $30,505	$603,700 (+33.18%) Land $148,400 Building $455,300
2022	$4,992.00	$31,504 Land $7,645 Building $23,859	$453,300 Land $110,000 Building $343,300

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 2998 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 2998 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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