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

Larimer County property record for 430 E 3rd St, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,742 sqft · built 1897
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Jul 2022)
Tax Bill	$3,123 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`95133-44-003`

Property Details

APN / Parcel Number

Primary APN	`95133-44-003`
Alternative APN	`R0388157`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,742 sqft Living Area
Basement Area	288 sqft
Finished Basement	288 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1897
Effective Year Built	Effective 2021
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	1,198 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0388157
Old Parcel Number	9513344003
Street Address	430 E 3RD ST
City	LOVELAND
State	CO
Zip	80537-5665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF NE 1/4, BLK 31, EVERETTS, LOV; LESS ALLEY PER 184-416
Legal Range	69
Legal Township	05
Legal Section	13
Legal Quarter	SW
Legal Subdivision	LOV BLK 31
Legal Block	31
Legal Lot Number	003
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1027
Census Tract	2007

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	430 E 3RD ST, LOVELAND, CO 80537-5665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Jun 4, 1996 · Amount on Record
Deed Document Number	20220046671
Record Updated	Jun 8, 2026

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 26, 2022
Property Address	430 E 3RD ST, LOVELAND, CO 80537-5665
Document Number	0000046671
Instrument Date	Jul 25, 2022
Instrument	20220046671
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.00
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	430 E 3RD ST, LOVELAND, CO 80537-5665

Mortgage

Document Number	0000046672
Date	Jul 26, 2022
Instrument	20220046672

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	430 E 3RD ST, LOVELAND, CO 80537-5665
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036521
Date	Jun 8, 2022
Instrument	20220036521

Lender

Name	ELEVATIONS CU
Type	Credit Union
Address	BOULDER, CO 80301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 7, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,123.00 (+16.53%)	$36,519 (-5.16%) Land $2,500 Building $34,019	$584,300 (+1.67%) Land $40,000 Building $544,300
2023	$2,680.00 (+19.91%)	$38,505 (+37.03%) Land $2,680 Building $35,825	$574,700 (+42.15%) Land $40,000 Building $534,700
2022	$2,235.00	$28,099 Land $2,780 Building $25,319	$404,300 Land $40,000 Building $364,300

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

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

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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