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

Larimer County property record for 404 E 3rd St, Loveland, CO 80537

Property Summary

Property Type	Boarding House, Apartment Hotel
Details	1 ba · 8,890 sqft · built 1905
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on File
Last Sale	$925,000 (Jun 2022)
Tax Bill	$26,240 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`95133-44-001`

Property Details

APN / Parcel Number

Primary APN	`95133-44-001`
Alternative APNs	`9513344901` `R1582374`

Interior

Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	8,890 sqft Gross Area
1st Floor Area	4,744 sqft
Basement Area	4,146 sqft
Finished Basement	3,704 sqft
Unfinished Basement	442 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Slab
Porch Area	428 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R1582374
Street Address	404 E 3RD ST
City	LOVELAND
State	CO
Zip	80537-5665
Property Category	Commercial
Property Type	Commercial > Retail > Boarding House, Apartment Hotel
Local Zoning Code	BE
Legal Description	W 70 FT OF N 140 FT OF BLK 31, EVERETTS ADD, LOV ALSO E 30 FT OF W 100 FT OF N 140 FT OF BLK 31, EVERETTS ADD, LOV
Legal Range	69W
Legal Township	5N
Legal Section	13
Legal Subdivision	LOV BLK 31
Legal Block	31
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1027
Census Tract	2007

Owner

404 E 3rd St, a commercial property, is owned by a company that bought it in June 2022.

Source: Larimer County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	117 E 37TH ST, 580, LOVELAND, CO 80538-2306
Owner Type	Company
Vesting	Limited Liability Company

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
Dec 23, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO
Jan 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANK OF COLORADO
Oct 18, 2023	Deed of Trust, Mortgage · Construction Mortgage BANK OF COLORADO
Oct 6, 2025	Deed of Trust, Mortgage · Construction Mortgage ANDERSON ROBERTS FINANCIAL INC
Jun 30, 2022	Special Warranty Deed, Transfer · Commercial Mortgage BANK OF COLORADO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Deed Document Number	202241550
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E 3RD ST, LOVELAND, CO 80537-5665
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073752
Date	Dec 23, 2022
Instrument	20220073752

Lender

Name	BANK OF COLORADO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	7 Months
Due	Jun 30, 2023

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E 3RD ST, LOVELAND, CO 80537-5665
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000965
Date	Jan 9, 2023
Instrument	20230000965

Lender

Name	BANK OF COLORADO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Jun 30, 2023

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E 3RD ST, LOVELAND, CO 80537-5665
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045045
Date	Oct 18, 2023
Instrument	20230045045

Lender

Name	BANK OF COLORADO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	23 Months
Due	Sep 18, 2025

Interest

Rate Type	Adjustable Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E 3RD ST, LOVELAND, CO 80537-5665
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 EAGLE DR 331, LOVELAND, CO 80537-8020

Mortgage

Document Number	0000046404
Date	Oct 6, 2025
Instrument	20250046404

Lender

Name	ANDERSON ROBERTS FINANCIAL INC
Type	Non-Lending Institution
Address	BELVEDERE TIBURON, CA 94920

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Nov 1, 2026

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 30, 2022
Property Address	404 E 3RD ST, LOVELAND, CO 80537-5665
Document Number	0000041550
Instrument Date	Jun 30, 2022
Instrument	20220041550
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 E 3RD ST, LOVELAND, CO 80537-5665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E 3RD ST, LOVELAND, CO 80537-5665

Mortgage

Document Number	0000041551
Date	Jun 30, 2022
Instrument	20220041551

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 404 E 3rd St was $26,240, up 10.9% 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	$26,240.00 (+10.89%)	$309,501 Land $56,403 Building $253,098	$1,146,300 Land $208,900 Building $937,400
2024	$23,663.00 (+3.46%)
2023	$22,871.00 (+120.02%)	$287,398 (+11.49%) Land $43,747 Building $243,651	$1,030,100 (+15.88%) Land $156,800 Building $873,300
2022	$10,395.00	$257,790 Land $38,985 Building $218,805	$888,930 Land $134,430 Building $754,500

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 404 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

Wildfire risk around 404 E 3rd St 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 99.8% of the US · lower than 99.9% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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