3405 E Fork Dr, Loveland, CO 80538 Property Records

Larimer County property record for 3405 E Fork Dr, Loveland, CO 80538

Property Summary

Property Type	Condominium
Details	3 bd · 4.25 ba · 1,482 sqft · built 2023
Owner	2 Individual Names on Record
Last Sale	$378,676 (Sep 2023)
Tax Bill	$4,700 (2025)
Deeds & Mortgages	May 2023 Construction Loan Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85043-92-001`

Property Details

APN / Parcel Number

Primary APN	`85043-92-001`
Alternative APN	`R1682872`

Interior

Bedrooms	3 Beds
Full Baths	4.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,482 sqft Living Area
Gross Area	1,919 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1682872
Street Address	3405 E FORK DR
City	LOVELAND
State	CO
Zip	80538-9453
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 3405, BUILDING 17, DISCOVERY AT THE LAKES AT CENTERRA CONDOS, LOV (20230039277)
Legal Subdivision	DISCOVERY AT THE LAKES AT CENTERRA CONDO
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2062
Census Tract	1715

Owner

Source: Larimer County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRSTBANK
Oct 23, 2023	Special Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL LENDING CORP
Sep 1, 2023	Correction Deed
Apr 5, 2023	Special Warranty Deed, Transfer HERITAGE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	202338187
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	MBANK TITLE INSURANCE AGENCY, DOMA TITLE INS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019123
Date	May 12, 2023
Instrument	20230019123

Lender

Name	FIRSTBANK
Type	Bank
Address	DENVER, CO 80215

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Nov 1, 2024

Interest

Rate	9.25%

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Oct 23, 2023
Property Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Document Number	0000045429
Map Reference	DOC 20230039384
Instrument Date	Oct 20, 2023
Instrument	20230045429
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	HILLSBOROUGH TITLE INC, HTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.00
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	3405 E FORK DR, LOVELAND, CO 80538-9453

Mortgage

Document Number	0000045431
Date	Oct 23, 2023
Instrument	20230045431

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 1, 2023
Property Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Document Number	0000038187
Instrument Date	Aug 23, 2023
Instrument	20230038187
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6341 FAIRGROUNDS AVE STE 100, 100, WINDSOR, CO 80550-7146

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 5, 2023
Property Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Document Number	0000013133
Map Reference	DOC 20210022495
Instrument Date	Apr 4, 2023
Instrument	20230013133
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$37.07
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 E FORK DR, LOVELAND, CO 80538-9453
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,700.00 (+10.02%)	$26,969 (+56.16%) Land $6,231 Building $20,738	$431,500 (+597.09%) Land $99,700 Building $331,800
2024	$4,272.00 (+49.53%)
2023	$2,857.00	$17,270 Land $17,270	$61,900 Land $61,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 79% of Colorado
Wildfire Likelihood	0.05% 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 280 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
Rise Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink.

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