3003 Photon Ct, Loveland, CO 80537 Property Records

Larimer County property record for 3003 Photon Ct, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,168 sqft · built 2017
Lot Size	0.141 acres (6,177 sqft)
Owner	Individual Name on File
Last Sale	$413,709 (Apr 2018)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85173-79-007`

Property Details

APN / Parcel Number

Primary APN	`85173-79-007`
Alternative APN	`R1656087`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,168 sqft Living Area
Basement Area	761 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2017
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,177 sqft (0.141 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1656087
Street Address	3003 PHOTON CT
City	LOVELAND
State	CO
Zip	80537-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLOCK 5,MILLENNIUM SW 8TH SUB, LOV (20140012750)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM SW 8TH SUB
Legal Block	5
Legal Lot Number	7
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1008
Census Tract	1710

Owner

3003 Photon Ct is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3003 PHOTON CT, LOVELAND, CO 80537-6507
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
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS UNITED FINANCIAL LLC
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS UNITED FINANCIAL LLC
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMERCE MORTGAGE
May 30, 2017	Trustee's Deed, Construction Loan · Line of Credit WESTERN ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2018 · Amount on File
Deed Sale	Apr 10, 2018 · Amount on File
Deed Document Number	20180020782
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3003 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062210
Date	Oct 9, 2019
Instrument	20190062210

Lender

Name	PARTNERS UNITED FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43085

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3003 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108327
Date	Dec 22, 2020
Instrument	20200108327

Lender

Name	PARTNERS UNITED FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 10, 2018
Property Address	3003 PHOTON CT, LOVELAND, CO 80537-6507
Document Number	0000020782
Instrument Date	Apr 6, 2018
Instrument	20180020782
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	$41.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3003 PHOTON CT, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000020783
Date	Apr 10, 2018
Instrument	20180020783

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LARIMER CO
Recording Date	May 30, 2017
Property Address	3003 PHOTON CT, LOVELAND, CO 80537-6507
Instrument Date	May 23, 2017
Instrument	34932
Transaction Type	Construction Loan
Record Updated	Jun 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3003 PHOTON CT LOVELAND CO 805376507, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000034932
Date	May 30, 2017
Instrument	34932

Lender

Name	WESTERN ST BK
Type	Bank
Address	FORT COLLINS, CO 80524

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3003 Photon Ct was $4,157.

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	$4,157.00	$34,094 Land $5,750 Building $28,344	$545,500 Land $92,000 Building $453,500
2023	$3,835.00 (+13.26%)	$37,091 (+27.28%) Land $6,164 Building $30,927	$553,600 (+32.03%) Land $92,000 Building $461,600
2022	$3,386.00	$29,141 Land $6,394 Building $22,747	$419,300 Land $92,000 Building $327,300

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 3003 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 3003 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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