320 E 3rd St, Loveland, CO 80537 Property Records

Larimer County property record for 320 E 3rd St, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,005 sqft · built 1910
Lot Size	0.189 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jan 2016)
Tax Bill	$3,406 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`95133-45-005`

Property Details

APN / Parcel Number

Primary APN	`95133-45-005`
Alternative APN	`R0446262`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,005 sqft Living Area
Basement Area	494 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2017
Architectural Style	Other
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	568 sqft
Balcony	Balcony
Balcony Area	306 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R0446262
Old Parcel Number	9513345005
Street Address	320 E 3RD ST
City	LOVELAND
State	CO
Zip	80537-5664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 140 FT W OF NE COR, BLK 32, EVERETTS, LOV, S 140 FT, W 60 FT, N 140 FT, E 60 FT TO BEG
Legal Range	69
Legal Township	05
Legal Section	13
Legal Quarter	SW
Legal Subdivision	LOV BLK 32
Legal Block	32
Legal Lot Number	005
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1028
Census Tract	2007

Owner

320 E 3rd St is owned by two individuals who acquired it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 7826, LOVELAND, CO 80537-0826
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
Mar 11, 2024	Deed of Trust, Mortgage · Line of Credit ANB BANK
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP
Mar 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2019	Deed of Trust, Mortgage BANK OF CO
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Prior Sale	Jan 15, 2016 · Amount on File
Deed Document Number	0000002851
Last Transfer Date	Mar 24, 2020
Transfer Doc	0000020104
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 E 3RD ST, LOVELAND, CO 80537-5664
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 3RD ST, LOVELAND, CO 80537-5664

Mortgage

Document Number	0000009176
Date	Mar 11, 2024
Instrument	20240009176

Lender

Name	ANB BANK
Type	Bank
Address	LOVELAND, CO 80537

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Mar 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 E 3RD ST, LOVELAND, CO 80537-5664
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	0000031361
Date	May 6, 2020
Instrument	20200031361

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company
Address	DENVER, CO 80204

Agreement

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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 24, 2020
Property Address	320 E 3RD ST, LOVELAND, CO 80537-5664
Document Number	0000020104
Instrument Date	Mar 19, 2020
Instrument	20104
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 E 3RD ST LOVELAND CO 805375664, LOVELAND, CO 80537-5664

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 E 3RD ST, LOVELAND, CO 80537-5664
Document Number	0000028645
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 3RD ST LOVELAND CO 805375664, LOVELAND, CO 80537-5664

Mortgage

Document Number	0000028645
Date	May 30, 2019
Instrument	28645

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 E 3RD ST, LOVELAND, CO 80537-5664
Document Number	0000064833
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 3RD ST LOVELAND CO 805375664, LOVELAND, CO 80537-5664

Mortgage

Document Number	0000064833
Date	Sep 27, 2017
Instrument	64833

Lender

Name	BANK OF CO
Type	Bank
Address	LOVELAND, CO 80537

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 26, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 320 E 3rd St was $3,406.

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	$3,406.00	$38,688 Land $3,125 Building $35,563	$619,000 Land $50,000 Building $569,000
2023	$2,643.00 (+16.33%)	$36,877 (+33.45%) Land $3,350 Building $33,527	$550,400 (+38.43%) Land $50,000 Building $500,400
2022	$2,272.00	$27,633 Land $3,475 Building $24,158	$397,600 Land $50,000 Building $347,600

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 320 E 3rd St 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	1 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

The area around 320 E 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 484 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
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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