3420 E Fork Dr, Loveland, CO 80538 Property Records

Larimer County property record for 3420 E Fork Dr, Loveland, CO 80538

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,356 sqft · built 2022
Owner	Individual Name on File
Last Sale	$412,898 (Jun 2023)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85043-01-009`

Property Details

APN / Parcel Number

Primary APN	`85043-01-009`
Alternative APNs	`85043-88-002` `R1682254`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,356 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1682254
Street Address	3420 E FORK DR
City	LOVELAND
State	CO
Zip	80538-9453
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 3420, BUILDING 14, DISCOVERY AT THE LAKES AT CENTERRA, CONDOS LOV; (20230018374)
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

3420 E Fork Dr, a condominium, is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3420 E FORK DR, LOVELAND, CO 80538-9453
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 25, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 26, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Deed Document Number	20230026440
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	3420 E FORK DR, LOVELAND, CO 80538-9453
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 E FORK DR, LOVELAND, CO 80538-9453

Mortgage

Document Number	0000045220
Date	Oct 25, 2024
Instrument	20240045220

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 26, 2023
Property Address	3420 E FORK DR, LOVELAND, CO 80538-9453
Document Number	0000026440
Map Reference	DOC 20230018473
Instrument Date	Jun 23, 2023
Instrument	20230026440
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.29
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3420 E FORK DR, LOVELAND, CO 80538-9453

Mortgage

Document Number	0000026441
Date	Jun 26, 2023
Instrument	20230026441

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 3420 E Fork Dr was $4,306.

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	$4,306.00	$24,712 Land $6,231 Building $18,481	$395,400 Land $99,700 Building $295,700
2023	$878.00	$8,992 Land $5,749 Building $3,243	$134,200 Land $85,800 Building $48,400

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

Flood

FEMA maps place 3420 E Fork Dr 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	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

Wildfire risk around 3420 E Fork Dr is low, with a 0.05% annual chance of 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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