3099 Photon Ct, Loveland, CO 80537 Property Records

Larimer County property record for 3099 Photon Ct, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,829 sqft · built 2017
Lot Size	0.133 acres (5,837 sqft)
Owner	Individual Name on File
Last Sale	$380,465 (Mar 2018)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85173-79-001`

Property Details

APN / Parcel Number

Primary APN	`85173-79-001`
Alternative APN	`R1656081`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,829 sqft Living Area
Basement Area	709 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.133 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1656081
Street Address	3099 PHOTON CT
City	LOVELAND
State	CO
Zip	80537-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLOCK 5,MILLENNIUM SW 8TH SUB, LOV (20140012750)
Legal Quarter	SW
Legal Subdivision	MILLENNIUM SW 8TH SUB
Legal Block	5
Legal Lot Number	1
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1008
Census Tract	1710

Owner

3099 Photon Ct is owned and occupied by an individual who bought it in March 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	3099 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
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 6, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2018 · Amount on File
Deed Sale	Mar 6, 2018 · Amount on File
Deed Document Number	20180013147
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3099 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003554
Date	Jan 31, 2024
Instrument	20240003554

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Feb 21, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3099 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Jan 25, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 PHOTON CT, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000004216
Date	Jan 19, 2022
Instrument	20220004216

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3099 PHOTON CT, LOVELAND, CO 80537-6507
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016116
Date	Feb 16, 2021
Instrument	20210016116

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 8, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3099 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	0000046114
Date	Jun 26, 2020
Instrument	20200046114

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 6, 2018
Property Address	3099 PHOTON CT, LOVELAND, CO 80537-6507
Document Number	0000013147
Instrument Date	Mar 5, 2018
Instrument	20180013147
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	$38.05
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
Address	3099 PHOTON CT, LOVELAND, CO 80537-6507

Mortgage

Document Number	0000013148
Date	Mar 6, 2018
Instrument	20180013148

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3099 Photon Ct was $3,838.

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	$3,838.00	$31,481 Land $5,750 Building $25,731	$503,700 Land $92,000 Building $411,700
2023	$3,536.00 (+12.61%)	$34,485 (+27.59%) Land $6,164 Building $28,321	$514,700 (+32.35%) Land $92,000 Building $422,700
2022	$3,140.00	$27,029 Land $6,394 Building $20,635	$388,900 Land $92,000 Building $296,900

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 3099 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 3099 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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