3654 Harding Drive Loveland, CO ^$ 550,000

3654 Harding Drive

^$ 550,000

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Recently Listed

3654 Harding Drive

Loveland, CO, 80538

^$ 550,000

Bedrooms4 Baths3.1 Sq 2,186

Monthly Estimate*

^$ 3,473

Listed by LIV Sotheby's Intl Realty

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Single Family Home for sale in Loveland, CO

for $550,000 with 4 bedrooms and 3 full baths, 1 half bath. This 2,186 square foot home was built in 1997 on a lot size of 0.16.

Ideally located in North Loveland, this thoughtfully maintained residence offers an exceptional combination of comfort, convenience, and everyday ease. With quick access to Fort Collins, Greeley, I-25, and Estes Park, the home is perfectly positioned for commuting, recreation, and enjoying all that Northern Colorado has to offer.Designed for both comfortable living and effortless entertaining, the home features 4 bedrooms, 4 bathrooms, soaring ceilings, and an inviting open layout filled with natural light. Updated flooring on the main level and newer carpet provide a fresh, modern feel throughout.The finished basement expands the living space, offering flexibility for a media room, recreation area, home office, fitness space, or guest accommodations. A spacious three-car garage provides abundant room for vehicles, storage, and hobbies.Outside, the professionally maintained yard is designed for easy living with an automatic sprinkler system and low-maintenance landscaping, allowing more time to enjoy the Colorado lifestyle. Just five minutes from Boyd Lake and nearby bike paths, outdoor recreation is always within easy reach.With low HOA fees, an outstanding location, and a well-appointed floor plan, this North Loveland home presents an exceptional opportunity to enjoy comfort, convenience, and lasting value.

Single Family Active

Price

^$ 550,000

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 2,599

Style

House

Lot Size

0.16

Year Built

1997

Town/City

Loveland

County/Region

Larimer

MLS | Web ID

IR1063124

Features

Interior

Interior Amenities Eat-in Kitchen Smart Thermostat Vaulted Ceiling(s) Walk-In Closet(s)

Basement Full

Total Fireplaces 1

Fireplace Features Gas Gas Log Living Room

Basement (Y/N) Y

Window Features Double Pane Windows

Above Grade Finished Area 1461

Half Baths 1

3/4 Baths 1

Total Bedrooms 4

Below Grade Finished Area 725

Main Level Bedrooms 0

Main Level Bathrooms 1

Total Baths 4

General

Sewer Public Sewer

Heating Forced Air Solar

Cooling Ceiling Fan(s) Central Air

Utilities Cable Available Electricity Available Natural Gas Available

Possession Closing/DOD

Roof Composition

Appliances Dishwasher Disposal Microwave Refrigerator Self Cleaning Oven

Zoning R3

HOA Fee 385

Garage Spaces 3

Patio/Porch Features Patio

Security Features Smoke Detector(s)

Construction Materials Brick Wood Siding

Exclusions Sellers personal belongings and Staged Items

Year Built 1997

View Mountain(s)

Levels Two

Property Subtype Single Family Residence

Tax Year 2025

Ownership Individual

Assoc Fee Paid Per Annually

County Larimer

Property Type Residential

HOA Y

Attached Garage Y

Subdivision Name Shadow Hills

Facing Direction Northwest

Possible Use Residential

Full Baths 2

Status Active

High School Mountain View

City Loveland

Association Name Shadow Hills HOA

High School District Thompson R2-J

Lot Size Square Feet 7070

Listing Terms Cash Conventional FHA VA Loan

Elementary School Other

Tax Annual Amount 2599

Middle/Junior High School Conrad Ball

Concessions No

Virtual Tour https://u.listvt.com/mls/252588881

Structure Type House

Standard Status Active

Occupancy Type Owner

Elementary School District Thompson R2-J

Exterior

Lot Features Sprinklers In Front

Water Source Public

Total Parking 3

Building Area Total 2186

Lot Size Acres 0.16

Road Surface Type Paved

Internal Only

Street Number 1 3654

* Excluded Features

List By

Liv Sotheby's Intl Realty

Broker

(970) 391-1470

Phone

Affordability Calculator

$3,689

Per Month

Monthly Principal & Interest: $3,473
Monthly Property Taxes: $217
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Loveland, CO

Average List Price ^$737,972

Percent of Sale Price 34%

About Loveland, CO

76,459 Population

43% Since 2002

^$62,013 Median Income

40.69 Median Age

26% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

3043745 Elementary School

731836 Middle School

Mountain View High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
7/1/2026	$550,000		Listed Price

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3654 Harding Drive, Loveland, CO, 80538 is a Single Family Home for sale at $550,000 with 2,186 sqft and a lot size of 0.16. 3654 Harding Drive has 4 bedrooms, 3.1 baths, and was built in 1997. The property's zip code is 80538 which is in Loveland, CO

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate on this web site comes in part from the Internet Data eXchange (IDX) Program of the REcolorado. Real estate listings held by firms other than Weichert Realtors are marked with the IDX logo and detailed information about them includes the Listing Broker’s Firm Name.

The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 7/2/2026.

This publication is designed to provide information with regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other professional services and that the publisher and authors are not offering such advice in this publication. If real estate, legal, or other expert assistance is required, the services of a competent, professional person should be sought.

The information contained in this publication is subject to change without notice. REcolorado. MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. REcolorado. SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.

PUBLISHER’S NOTICE: All real estate advertised herein is subject to the Federal Fair Housing Act and the Colorado Fair Housing Act, which Acts make it illegal to make or publish any advertisement that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin.

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3654 Harding Drive

Single Family Home for sale in Loveland, CO

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