3098 Photon Ct, Loveland, CO 80537 Property Records

Larimer County property record for 3098 Photon Ct, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,895 sqft · built 2016
Lot Size	0.134 acres (5,837 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (May 2025)
Tax Bill	$3,879 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85173-78-007`

Property Details

APN / Parcel Number

Primary APN	`85173-78-007`
Alternative APN	`R1656080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,895 sqft Living Area
Gross Area	3,110 sqft
Basement Area	711 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	194 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1656080
Street Address	3098 PHOTON CT
City	LOVELAND
State	CO
Zip	80537-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLOCK 4,MILLENNIUM SW 8TH SUB, LOV (20140012750)
Legal Range	68W
Legal Township	5N
Legal Section	17
Legal Subdivision	MILLENNIUM SW 8TH SUB
Legal Block	4
Legal Lot Number	7
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1008
Census Tract	1710

Owner

3098 Photon Ct is owned and occupied by two individuals who bought it in May 2025.

Source: Larimer County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3098 PHOTON CT, LOVELAND, CO 80537-6507
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
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING
Jun 22, 2017	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2025 · Amount on File
Deed Sale	May 12, 2025 · Amount on File
Prior Sale	Jun 22, 2017 · Amount on File
Deed Document Number	202520589
Prior Transfer Date	Aug 17, 2024
Prior Transfer Doc	0000035457
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3098 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	PTA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100591
Date	Nov 1, 2021
Instrument	20210100591

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3098 PHOTON CT, LOVELAND, CO 80537-6507
Document Number	0000026503
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 PHOTON CT LOVELAND CO 805376507, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000026503
Date	Apr 17, 2020
Instrument	26503

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 22, 2017
Property Address	3098 PHOTON CT, LOVELAND, CO 80537-6507
Document Number	0000041138
Instrument Date	Jun 21, 2017
Instrument	20170041138
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	$38.54
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	3098 PHOTON CT, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000041139
Date	Jun 22, 2017
Instrument	20170041139

Lender

Name	GUILD MORTGAGE CO
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 3098 Photon Ct was $3,879, up 6.4% 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	$3,879.00 (+6.36%)	$31,813 Land $5,750 Building $26,063	$509,000 Land $92,000 Building $417,000
2024	$3,647.00 (+1.99%)
2023	$3,576.00 (+12.91%)	$34,833 (+27.79%) Land $6,164 Building $28,669	$519,900 (+32.56%) Land $92,000 Building $427,900
2022	$3,167.00	$27,258 Land $6,394 Building $20,864	$392,200 Land $92,000 Building $300,200

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 3098 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 3098 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 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 210 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
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Vistabeam.

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