See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

2015 N Garfield Ave, Loveland, CO, 80538

5beds
4baths
5,250sqft
$3,977,000
$758price/sqft
$23,949/moest. monthly cost
$957,960/yrincome needed

About This Home

Lake Loveland with panoramic mountain views provide the breathtaking backdrop for this European-inspired 5,000+ sq ft estate on a private half-acre. There are homes that are built, and homes that are composed; this is the latter. Completed in 2019 on a 1951 foundation, every detail exudes old-world soul, from custom stonework to glowing gas lanterns and 8-foot steel double doors. Step inside a cozy foyer where the tone is grounded and quietly refined. The main level boasts 10-foot ceilings, matte American walnut floors, and Level 5 drywall accented by extensive trim, bespoke push-button switches, and leaded glass accents. The gourmet kitchen is an elegant centerpiece showcasing an Italian ILVE range, custom ceiling-height cabinetry, white quartz, and paneled appliances. Entertaining is effortless with a striking lacquered red champagne bar, an elegant mudroom, whole-home audio, and an open-flame lower fireplace in the main living area. Upstairs, 9-foot ceilings guide you to a loft, secondary bedroom, gym/office, and the ultimate primary suite. This private sanctuary boasts dual balcony access, an old-world library den with a wet bar, open-flame fireplace, and built-in safe, plus a spa bath featuring an 8-foot dual steam shower and cast-iron clawfoot tub. The deeply private grounds function as a secluded resort featuring a midnight-colored heated pool, hot tub, covered outside patio fireplace set into stone, an additional gas fire pit, and matching outbuildings under mature ash trees. At the water's edge, enjoy year-round lake access featuring a private ipe wood dock, boat slip, and personal boat ramp. Unmatched amenities include a heated cobblestone driveway, sidewalks, pool deck, and balconies, plus a 4-car garage with drive-through access for lake toys and custom cast-iron fencing with puppy pickets. A masterpiece built for living your best lifestyle from activities on the lake to hosting and entertaining at home.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

3/10
7/10
Mountain View High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Slab,Structural Floor
  • Roof: Tile
  • Construction materials: Frame,Stone,Cedar,Painted/Stained

Type & Style

  • Home type: SingleFamily
  • Architectural style: Legal Conforming
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range,Self Cleaning Oven,Oven,Double Oven,Dishwasher,Refrigerator,Bar Fridge,Washer,Dryer,Microwave,Freezer,Water Purifier Owned,Disposal
  • Laundry features: Sink

Basement

  • Basement: None,Crawl Space

Bedroom2

  • Level: Main
  • Area: 221
  • Dimensions: 13 x 17

Bedroom3

  • Level: Main
  • Area: 204
  • Dimensions: 12 x 17

Bedroom4

  • Level: Main
  • Area: 208
  • Dimensions: 13 x 16

Bedroom5

  • Level: Upper
  • Area: 221
  • Dimensions: 13 x 17

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • Main level bathrooms: 2

Dining Room

  • Level: Main
  • Area: 156
  • Dimensions: 13 x 12

Family Room

  • Level: Upper
  • Area: 546
  • Dimensions: 21 x 26

Features

  • Eat-in Kitchen,Open Floorplan,Pantry,Walk-In Closet(s),Wet Bar,Steam Shower,High Ceilings,Beamed Ceilings,Crown Molding
  • Door features: French Doors
  • Window features: Window Coverings,Wood Frames,Bay or Bow Window
  • Flooring: Wood
  • Fireplace features: Circulating,Two or More,Gas,Gas Log,Living Room,Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,232

Heating & Cooling

  • Heating features: Forced Air,Hot Water,Zoned,Radiant,2 or more Heat Sources,Humidity Control,2 or more H20 Heaters
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 5,232
  • Total interior livable area: 5,250 sqft

Kitchen

  • Level: Main
  • Area: 190
  • Dimensions: 10 x 19

Laundry

  • Level: Main
  • Area: 66
  • Dimensions: 6 x 11

Living Room

  • Level: Main
  • Area: 368
  • Dimensions: 16 x 23

Primary Bedroom

  • Features: Tub+Shower Primary,Luxury Features Primary Bath,5 Piece Primary Bath,Bidet
  • Level: Upper
  • Area: 255
  • Dimensions: 15 x 17

Recreation Room

  • Level: Upper
  • Area: 204
  • Dimensions: 12 x 17

Study

  • Level: Upper
  • Area: 308
  • Dimensions: 14 x 22

Property

Accessibility

  • Accessibility features: Level Lot,Low Carpet,Main Floor Bath,Accessible Bedroom,Stall Shower,Main Level Laundry

Details

  • Parcel number: R0370983
  • Zoning: R1e
  • Special condition: Private Owner
  • Exclusions: Seller's Personal Property and Primary Bath Chandeliers.

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Private
  • Patio & porch: Patio,Deck
  • Exterior features: Sprinkler System,Balcony
  • Spa features: Heated
  • Fencing: Partial,Metal
  • Has view: Yes
  • View description: Mountain(s),Hills,Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Abuts Pond/Lake,Lake Privileges,Lake Front,Waterfront

Lot

  • Lot size: 0.47 Acres
  • Features: Evergreen Trees,Deciduous Trees,Level,City Limits,Waterfront,Paved,Curbs,Gutters,Sidewalks,Street Light,Fire Hydrant within 500 Feet

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,RV Access/Parking,Attached,>8' Garage Door,Heated Garage,Oversized,Tandem,Drive Through
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Hail

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 $20,109$241,308
Home Insurance *$1,721$20,652
Property Taxes $1,723$20,676
Electricity $396$4,755
Total$23,949$287,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$821,108/yr
40% on housing$718,470/yr
45% on housing$638,640/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

$758This listing

vs Other Active Listings

Avg $/sqft

ZIP 80538$208
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
2026-05-07Listed for sale$3,977,000
2016-05-17Sold$800,000
2016-05-13Listed for sale$820,000
2016-05-13Pending sale$820,000
2016-03-24Listed for sale$820,000

For Sale by Agent

AgentStefanie Erion
BrokerageKentwood RE Northern Prop Llc

Similar Homes