446 E 4th St, Loveland, CO 80537
Property image
Property image
FOR SALE

$1,250,000

  • 7 Beds
  • 6 Baths
  • 4,210 sqft

446 E 4th St, Loveland, CO 80537

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Home Highlights

Single-Family Home
Built in 1905
$297/sqft
2 Parking Spaces

Local Information

  • Map ViewExplore the area around 446 E 4th St.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

Exceptional investment opportunity in the heart of Downtown Loveland! This unique property consists of five income-producing rental units on one lot, including a charming updated house and two duplex buildings, one detached garage with 2 separate spaces, yard space with grass. Recent street improvements along E. 4th Street have been completed, enhancing accessibility and curb appeal. The front house, originally built in 1905, has been updated with improvements including kitchen upgrades, appliances, & electrical systems. The house and the duplex fronting 4th Street have previously been utilized as office spaces, offering flexibility for a variety of future uses. Duplex units feature a living area, Kitchen, bed room, full bath, mudroom entries, and dedicated space for tenant washers & dryers. The Washington Street duplex offers wood flooring in one unit and carpet in the other. Water is billed back to tenants. Strategically located within Downtown (DT) Zoning and multiple development incentive districts, including the Enterprise Zone, Downtown Urban Renewal Area (URA), General Improvement District #1, Historic Downtown Loveland (CEF Exempt Area), Historic Loveland BID, and Loveland DDA. Just blocks from the Civic Center, Library, restaurants, shopping, and vibrant downtown events. Positioned in the Downtown Development Authority (DDA) area, buyers may benefit from available redevelopment and improvement programs, including Tax Increment Financing (TIF), Fa ade Improvement Grants, Small Grant Programs, Fire Suppression Assistance, Restaurant Conversion Programs, and Efficiency Works rebates.An outstanding opportunity for investors seeking cash flow today with long-term value-add and redevelopment potential in one of Northern Colorado's most desirable downtown districts.
Last check for updates: about 16 hours ago
Listing courtesy of Nanci Garnand, (970) 227-1327
Real
Source: IRES as distributed by MLS GRID, MLS#1060558
Also Listed on REcolorado as distributed by MLS GRID, REcolorado as distributed by MLS GRID, IRES as distributed by MLS GRID.

Home Details for 446 E 4th St

Interior Features

Interior Details
Basement: Unfinished
Beds & Baths
Number of Bedrooms: 7Number of Bathrooms: 6
Dimensions and Layout
Living Area: 4210 Square Feet
Appliances & Utilities
Utilities: Natural Gas Available, Electricity AvailableLaundry: Washer/Dryer Hookup
Heating & Cooling
Heating: Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Gas & Electric
Electric: City of LvldGas: XcelHas Electric on Property
Levels, Entrance, & Accessibility
Stories: 1Levels: One
View
No View

Exterior Features

Exterior Home Features
Roof: CompositionPatio / Porch: PatioFencing: PartialExterior: Sprinkler SystemSprinkler System
Parking & Garage
Other Parking: Less Than 1Parking Spaces: 2
Frontage
Road Frontage: City StreetRoad Surface Type: AsphaltNot on Waterfront
Water & Sewer
Sewer: Public Sewer
Farm & Range
Does Not Include Irrigation Water Rights

Days on Market

Days on Market: 111

Property Information

Year Built
Year Built: 1905
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Contemporary
Building
Construction Materials: Block, StuccoNot a New ConstructionAttached To Another Structure
Property Information
Usage of Home: Multi-FamilyNot Included in Sale: Tenants personal propertyParcel Number: R0446238

Price & Status

Price
List Price: $1,250,000Price Per Sqft: $297

Active Status

MLS Status: Active

Location

Direction & Address
City: LovelandCommunity: Lov
School Information
Elementary School: TruscottJr High / Middle School: Bill ReedHigh School: Thompson ValleyHigh School District: Thompson R2-J

Agent Information

Listing Agent
Listing ID: 1060558

Building

Building Area
Building Area: 4210 Square Feet

HOA

No HOA

Lot Information

Lot Area: 10500 sqft

Listing Info

Special Conditions: Licensed Owner

Offer

Listing Terms: Cash, Conventional, 1031 Exchange

Business

Expense
Tenant Pays: Deposit, Gas, Electricity, Water

Rental Terms, Policies & Fees

Are Units Furnished: None

Miscellaneous

BasementMls Number: 1060558Attribution Contact: 970-227-1327Activation Date: Mon Jun 01 2026Showing Service Name: ShowingTime

Around this home

What Locals Say about Loveland

At least 415 Trulia users voted on each feature.

  • 93 % Say it's dog friendly

  • 90 % Say car is needed

  • 88 % Say there are sidewalks

  • 85 % Say parking is easy

  • 78 % Say yards are well-kept

  • 76 % Say there's holiday spirit

  • 71 % Say people would walk alone at night

  • 68 % Say kids play outside

  • 66 % Say it's quiet

  • 61 % Say streets are well-lit

  • 58 % Say there's wildlife

  • 55 % Say neighbors are friendly

  • 53 % Say it's walkable to grocery stores

  • 46 % Say it's walkable to restaurants

  • 43 % Say they plan to stay for at least 5 years

  • 28 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • K8hm2bpyps
    "Geographic and demographic are important where you live. Community and clean environment is a plus. Safety and neighborhood watch means a lot to the residents "
    0
    Flag
  • John Woods
    "Very safe area. Lots of dogs and trails and nearby parks. Neighbors are good and the area always feels safe. "
    0
    Flag
  • Joe Osborn
    "It is a good neighborhood for dog owners. There is a path to walk dogs right in the neighborhood and a dog path down the street"
    0
    Flag
  • Joe-mulholland
    "Great location and pleasant neighborhood. Out of town feel yet short drive to shopping. Views are amazing and hiking and fishing close. Several lakes are thirty minutes away. Properties here are on acreages and very well maintained. "
    0
    Flag
  • Joe-mulholland
    "Safe family orientation great people that help each other lots of music alcohol free events that is important to me. "
    0
    Flag
  • Janel
    "In our neighborhood, it’s very friendly and lots of people enjoy doing outside activities. Most everyone takes pride in maintaining their homes and open spaces/ community areas."
    0
    Flag
  • Sheri Sorem
    "My neighbors and I look out for each other. I love living in Loveland. It’s my favorite place I’ve ever lived. "
    3
    Flag
  • Sally B.
    "Loveland is generally safe. There are numerous parks and open spaces. Loveland has swimming options, a lot of arts and indoor recreation during the winter months. It’s still a nice place to live."
    1
    Flag
  • Curtismaison
    "Schools are excellent. Neighborhoods are safe. Great food delivery. Close to Rocky Mountain NAtional Park. "
    1
    Flag
  • Sara F.
    "We moved here 2 years ago and love it! Friendly and small town vibes. Good restaurants, good schools, feels safe. "
    2
    Flag
  • Diane S.
    "The elementary school has a neighborhood block party. They also have family movie nights and other events. "
    1
    Flag
  • Arthur H.
    "Not too much traffic. Not too many lights. Low speed limits. Strict police. Older community so slower moving all together "
    0
    Flag
  • Diane S.
    "Friendly, easygoing and quiet. Kids play together and get along. School is within walking distance. "
    1
    Flag
  • Richard A. S.
    "I live close to work and other places so it is easy get around. There is a school nearby and a small park. "
    1
    Flag
  • Elissa F.
    "Quiet, friendly, dog owners, families, young kids, young adults, close to shopping, food, schools and county buildings."
    0
    Flag
  • Diane S.
    "Lots of kids play together and neighbors get along and do things for each other. All the kids walk to school and sometimes together. "
    0
    Flag
  • Elissa F.
    "My neighborhood is closer to shopping, dining, schools, and easy in and out highways and interstate."
    0
    Flag
  • Mgutierrez1101
    "There’s bus stops off of all the main roads I commute by car so I don’t need to use any of them but they are there."
    0
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  • Amy W.
    "Kids are safe and neighbors are friendly and helpful! The wildlife is also amazing! Down town is fun to visit!"
    0
    Flag
  • Elissa F.
    "There are many families and young adults in our area. Friendly people and responsible pet owners. Plenty to do with so many lakes, parks, trails, shopping and restaurants. "
    0
    Flag
  • Roshana
    "Very busy during morning and evening commute, however, it flows mostly very well compare to traffic in and around Denver."
    0
    Flag
  • Ramblinmama
    "Quite, hardly any traffic, large open space, nice middle aged neighborhood. Can do what you want with house and yard because HOA is not present. Many trees in for shade and the the road has been resurfaced. There is absolutely very low crime and good neighborhood watch program. We have a nice PGA golf course close and and very nice end homes being built a few blocks away. Wild life is close but not bother some. Chickens are welcome only up to seven. Many birds owl and hawks fly around the yard keeping pest to a minimum."
    0
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  • Thornhill6
    "Love the feel and look. Great local shops and restaurants. Nice friendly people. Great local artists and music. "
    0
    Flag
  • Amanda J.
    "Most people and their dogs are super friendly and do their best to keep everyone happy and safe. Good dog owner etiquette"
    0
    Flag
  • Frankkinder
    "Great trails, safe, and doggie waste stations make it easy and pleasant. It’s a neat way to meet people too."
    0
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  • Julie.h.w
    "I don'know. Loveland downtown is a good place to go. They have musical festivals during summer and ice and fire festivals during winter. "
    0
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  • Hope B.
    "lots of places to walk your dog nice dog parks, dogs are always on leashes and they are quiet you don't hear dogs barking all the time. there are areas for your dogs to play and run "
    0
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  • Bnt G.
    "We have planned events at the club house for all ages. An original group of ladies gather to celebrate birthdays."
    0
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  • Windy E.
    "Usually pretty quick. Not a whole lot of traffic. I don’t know what else to say it isn’t bad at all. "
    0
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  • Lisasquire
    "Corn festival and all of the sculpture park. Boyd Lake and The Art in the park event. Bike trails are nice too."
    0
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  • Matt H.
    "Everyone has dogs. There is a park for kids and dogs. Potty stations in the neighborhood. Potty bags and trash stations. Very dog or kid friendly. "
    0
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  • Jennifer T.
    "My neighborhood is part of the City of Loveland hiking trail. The area is very well maintained by both the neighbors and City of Loveland. The trail leads up to several parks and ponds. Boyd lake is less than a mile and a half up the trail from my house. McKee medical Center is 8 blocks away. Because the hospital shares the same power grid as my neighborhood we rarely have power outages. in fact there has only been one power outage in the 20 years I've lived here."
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  • Rhcpotts
    "There's been a pizza party, pool party, and Halloween party ai far this year. Move to come in near future."
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  • Carol F.
    "There’s tons of great parks for dogs. Most home owners don’t want dogs peeing on or near their yard. Same with local businesses. "
    0
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  • Debra P.
    "people from nearby neighborhoods walk their dogs in my neighborhood. This causes the dogs on my street to bark much more than they did a couple years ago (before all the houses were built)"
    0
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  • Stephanie J.
    "We have been here 2yrs and the area looks nice but there are weekly overdoses, police calls and attempted car break ins. The traffic here is absolutely ridiculous, and I'm from California!!!"
    0
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  • Julie h. w.
    "This community has good floor plans. People live in this community are nice and friendly. This community is new and clean. People take care of their back yards."
    19
    Flag
  • Kenziskye628
    "It’s a very diverse neighborhood. The city has a good bus system. The city as a whole has nearly no diversity. Slowly getting very crowded but I believe they are trying to accommodate. Used to be a purely retirement area with a few families but they are working on making it a more young people and family friendly area. "
    0
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Market trends in Loveland

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$507K
$1.67KMoM
Sale-to-List Price
100.0%
Price per sq ft
$230
$1MoM
Available listings
503
14MoM

Home Value

Trulia Estimate
$1.18M
Since last month
Increased$21K (+1.8%)
Since last year
Increased$316K (+36.6%)
Since last sale
Increased$880K (+293.2%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +207% in the last 10 years
MonthEstimated value
2026
September 2026$1.18M
August 2026$1.16M
July 2026$1.17M
June 2026$1.18M
May 2026$725K
April 2026$715K
March 2026$703K
February 2026$689K
January 2026$680K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
715 E 4th St, Loveland, CO
0.15
Single-Family Home
$605,000
12/15/25
3
3
2,296
220 W 4th St, Loveland, CO
0.41
Single-Family Home
$800,000
07/29/26
4
3.5
3,291
624 E 7th Street, Loveland, CO
0.25
Single-Family Home
$240,000
03/13/26
3
2
1,430
250 S Cleveland Ave, Loveland, CO
0.35
Single-Family Home
$580,000
03/12/26
4
2.5
2,466
770 N Lincoln Ave, Loveland, CO
0.35
Single-Family Home
$430,000
12/05/25
4
1.5
2,448
1031 N Lincoln Ave, Loveland, CO
0.57
Single-Family Home
$417,500
12/15/25
5
3
2,620
522 E 7th St, Loveland, CO
0.22
Single-Family Home
$485,000
04/09/26
3
2.5
1,560
607 E 7th St, Loveland, CO
0.27
Single-Family Home
$799,000
09/23/25
3
3
2,060
746 Washington Ave, Loveland, CO
0.30
Single-Family Home
$972,916
06/22/26
3
3
2,392

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
411 E 3rd St, Loveland, CO 80537
0.05
$410,300
2
1
1,374
Off Market
219 N Washington Ave, Loveland, CO 80537
0.09
$321,800
2
1
906
Off Market
209 Washington Ave, Loveland, CO 80537
0.10
$412,400
3
2
1,442
Off Market
203 Washington Ave, Loveland, CO 80537
0.11
$330,100
2
1
1,224
Off Market
204 N Jefferson Ave, Loveland, CO 80537
0.12
$525,000
3
2
1,744
For Sale
203 N Jefferson Ave, Loveland, CO 80537
0.13
$434,000
2
1
1,384
Recently Sold
446 Adams Ave, Loveland, CO 80537
0.12
$446,100
3
1
1,178
Off Market
431 N Monroe Ave, Loveland, CO 80537
0.13
$398,000
2
1
816
Off Market
346 E 2nd St, Loveland, CO 80537
0.15
$302,900
1
1
661
Off Market
403 E 1st St, Loveland, CO 80537
0.15
$273,000
2
1
664
Off Market
715 E 4th St, Loveland, CO 80537
0.15
$605,000
3
3
2,296
Recently Sold

Price and Tax history

DateEventPrice
Jun 1, 2026
Source: IRES as distributed by MLS GRID #1060558
Listed For Sale
$1,250,000
Aug 15, 2024
Source: IRES as distributed by MLS GRID #985576
ListingRemoved
Nov 3, 2023
Source: IRES as distributed by MLS GRID #985576
PriceChange
$1,400,000
Apr 18, 2023
Source: Zillow Rentals
ListingRemoved
Apr 15, 2023
Source: IRES as distributed by MLS GRID #985576
Listed For Sale
$1,500,000

LGBTQ Local Legal Protections

Nanci Garnand, Real
Agent Phone: (970) 227-1327
Based on information submitted to the MLS GRID as of 2026-09-20 07:43:00 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Click here for more information

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Frequently asked questions about 446 E 4th St

  • What is the estimated monthly payment for 446 E 4th St?
    Based on a $1,250,000 list price with 20% down at today's rates, the estimated monthly payment for 446 E 4th St in Loveland, CO is approximately $7,435 (about $6,818 principal & interest, $542 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 446 E 4th St compare to homes in Loveland?
    446 E 4th St in Loveland, CO is listed at $1,250,000, about 146% above the $507K median sale price in Loveland.
  • What do residents say about Loveland?
    Residents describe Loveland, CO as dog-friendly, pedestrian-friendly, and easy to park in. See homes for sale in Loveland, CO.
  • What are the closest schools to 446 E 4th St?
    The closest schools to 446 E 4th St in Loveland, CO are Bill Reed Middle School (rated 3/10), Thompson Valley High School (rated 4/10), Truscott Elementary School (rated 4/10).
  • Does 446 E 4th St have air conditioning?
    Yes, 446 E 4th St in Loveland, CO has air conditioning.
  • Does 446 E 4th St have laundry facilities?
    Yes, 446 E 4th St in Loveland, CO has laundry facilities.
446 E 4th St, Loveland, CO 80537 is a 7 bedroom, 6 bathroom, 4,210 sqft single-family home built in 1905. This property is currently available for sale and was listed by IRES as distributed by MLS GRID on Jun 1, 2026. The MLS # for this home is MLS# 1060558.