446 E 4th St, Loveland, CO 80537 Property Records

Larimer County property record for 446 E 4th St, Loveland, CO 80537

Property Summary

Property Type	Single Family Home
Details	12 bd · 5 ba · 3,673 sqft · built 1905
Lot Size	0.241 acres (10,500 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Jan 2001)
Tax Bill	$4,116 (2025)
Deeds & Mortgages	May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`95133-39-003`

Property Details

APN / Parcel Number

Primary APN	`95133-39-003`
Alternative APN	`R0446238`

Interior

Bedrooms	12 Beds
Full Baths	5 Baths
Total Rooms	16 Rooms
Units	2 Units
Stories	1 Story
Building Area	3,673 sqft Living Area
Gross Area	4,000 sqft
1st Floor Area	2,499 sqft
Basement Area	637 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
View / Lot	Traffic
Garage Type	Attached
Garage Area	327 sqft
Parking Spaces	1 Parking Space
Porch	Open Slab
Porch Area	393 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0446238
Street Address	446 E 4TH ST
City	LOVELAND
State	CO
Zip	80537-5637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BE
Legal Description	COM AT NE COR, BLK 34, EVERETTS, LOV, W 75 FT, S 140 FT, E 75 FT, N 140 FT TO BEG
Legal Range	69W
Legal Township	5N
Legal Section	13
Legal Subdivision	LOV BLK 34
Legal Block	34
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1024
Census Tract	2007

Owner

446 E 4th St is owned by a company that acquired it in October 2014.

Source: Larimer County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1635 FOXTRAIL DR, LOVELAND, CO 80538-9086
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2001 · Amount on File
Deed Sale	Jan 18, 2001 · Amount on File
Prior Sale	Feb 6, 1996 · Amount on File
Deed Document Number	20013910
Last Transfer Date	Oct 31, 2014
Transfer Doc	0000065101
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	446 E 4TH ST, LOVELAND, CO 80537-5637
Document Number	0000022982
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	446 E 4TH ST LOVELAND CO 805375637, LOVELAND, CO 80537-5637

Mortgage

Document Number	0000022982
Date	May 3, 2019
Instrument	22982

Lender

Name	ADVANTAGE BK
Type	Bank
Address	LOVELAND, CO 80538

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 446 E 4th St was $4,116.

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	$4,116.00	$46,744 Land $2,500 Building $44,244	$747,900 Land $40,000 Building $707,900
2023	$3,537.00 (+22.01%)	$48,093 (+36.43%) Land $2,680 Building $45,413	$717,800 (+41.52%) Land $40,000 Building $677,800
2022	$2,899.00	$35,250 Land $2,780 Building $32,470	$507,200 Land $40,000 Building $467,200

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 446 E 4th 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 446 E 4th 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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