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3783 Emerald Shore Cir, Loveland, CO, 80538

4beds
3baths
3,930sqft
$894,950
$228price/sqft
$5,595/moest. monthly cost
$223,800/yrincome needed

About This Home

Welcome to this exceptional Daniel home! Included features: a covered entry; an impressive great room with a fireplace; a gourmet kitchen offering a center island, a sizable walk-in pantry, and an adjacent dining area; an elegant study; a secluded primary suite showcasing a generous walk-in closet and a deluxe bath with double sinks, a shower, and a soaking tub; two secondary bedrooms; a shared hall bath; a convenient laundry; a finished basement boasting a rec room, flex room, bedroom, and full bath; and a tranquil covered patio. Learn more today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
High Plains SchoolGrades PK-81.2 mi
7/10
Mountain View High SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Richmond American Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Interior Area

  • Total interior livable area: 3,930 sqft

Property

Details

  • Parcel number: 8505126014

Features

  • Levels: 1.0
  • Stories: 1

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Winter Weather
Strong Wind
Tornado

FEMA Declared Disasters Across Colorado Counties

Fire

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,525$54,300
Home Insurance *$387$4,644
Property Taxes $387$4,644
Electricity $296$3,560
Total$5,595$67,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$191,828/yr
40% on housing$167,850/yr
45% on housing$149,200/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.3%
15.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 80538$215
Larimer County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 80538$216
Larimer County$250

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-02Price change$894,950
2025-12-02Price change$914,950
2025-11-28Price change$951,155
2025-11-26Price change$914,059
2025-09-26Listed for sale$914,950

New Construction Spec

BrokerageRichmond American Homes

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