3954 Cottonwood Drive Loveland, CO $ 499,000
3954 Cottonwood Drive
$ 499,000
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3954 Cottonwood Drive

Loveland, CO, 80538
$ 499,000
Bedrooms4 Baths2.0 Sq 2,383

Monthly Estimate*

$ 3,151

Listed by Group Centerra
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Single Family Home for sale in Loveland, CO

for $499,000 with 4 bedrooms and 2 full baths. This 2,383 square foot home was built in 1976 on a lot size of 0.18.

Offered for the first time since it was built, this well-maintained, one-owner 4-bedroom, 2-bath ranch home is located in a highly desirable neighborhood close to schools. Thoughtfully updated over the years, the home combines classic charm with modern improvements. A spacious addition completed in 1985 expanded the home to include a dining/flex room, pantry, office, and laundry room, while durable steel siding was also installed. Additional updates include new windows (2003), an open-concept kitchen remodel with wood flooring and a beautifully finished basement (2005), LeafFilter gutter protection (2017), an active radon mitigation system, and a low-maintenance xeriscape front yard completed in 2025. The functional floor plan offers comfortable living on both levels, with the fourth bedroom featuring a walk-in closet in the finished basement, along with generous recreation and family room space. Outside, you'll find a fully fenced backyard, an attached 2-car garage, and two storage sheds for all your tools and equipment. The extra-wide driveway provides ample RV parking, making this home as practical as it is inviting. With its exceptional care, numerous updates, and sought-after location, this is a rare opportunity to own a home that has been lovingly maintained by its original owner.

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Single Family Active

Price

$ 499,000

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 1,988

Style

House

Lot Size

0.18

Year Built

1976

Town/City

Loveland

County/Region

Larimer

MLS | Web ID

IR1064213

Features
Interior
Interior Amenities Eat-in Kitchen Kitchen Island
Basement Full
Flooring Wood
Basement (Y/N) Y
Window Features Window Coverings
Above Grade Finished Area 1361
Half Baths 0
3/4 Baths 1
Total Bedrooms 4
Below Grade Finished Area 959
Main Level Bedrooms 3
Main Level Bathrooms 1
Total Baths 2
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General
Sewer Public Sewer
Heating Forced Air
Cooling Central Air
Utilities Electricity Available Natural Gas Available
Possession Close Plus 3 Days
Roof Composition
Appliances Dishwasher Dryer Microwave Oven Refrigerator Washer
Zoning R1
Garage Spaces 2
Construction Materials Metal Siding Frame
Exclusions Personal Property
Year Built 1976
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Individual
County Larimer
Property Type Residential
HOA N
Attached Garage Y
Subdivision Name Woodmere
Possible Use Residential
Full Baths 1
Status Active
Directions From Hwy 287/N Garfield go West on 37th St to Right/ North on Duffield Left on Cottonwood
High School Loveland
City Loveland
High School District Thompson R2-J
Lot Size Square Feet 7969
Listing Terms Cash Conventional FHA VA Loan
Elementary School Lincoln
Tax Annual Amount 1988
Middle/Junior High School Lucile Erwin
Concessions No
Structure Type House
Standard Status Active
Occupancy Type Owner
Elementary School District Thompson R2-J
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Exterior
Fencing Fenced
Parking Features RV Access/Parking
Water Source Public
Total Parking 2
Building Area Total 2383
Lot Size Acres 0.18
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Internal Only
Street Number 1 3954
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* Excluded Features
List By
Group Centerra

Broker

(970) 222-0340

Phone

Affordability Calculator

$3,316
Per Month
95%
5%
0%
Monthly Principal & Interest
$3,151
Monthly Property Taxes
$166
Monthly 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
3043547 Elementary School
3043707 Middle School
Loveland High School High School
Pricing History
DatePricePrice ChangeDescription
7/15/2026$499,000 Listed Price

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3954 Cottonwood Drive, Loveland, CO, 80538 is a Single Family Home for sale at $499,000 with 2,383 sqft and a lot size of 0.18. 3954 Cottonwood Drive has 4 bedrooms, 2.0 baths, and was built in 1976. The property's zip code is 80538 which is in Loveland, CO