540 Adams Ave #1-4, Loveland, CO, 80537
About This Home
Charming 1908 4-plex in the heart of Old Town featuring hardwood floors and a cozy feel. There are four, fully leased 1-bd/1-ba units, each with their own individual furnaces (& meters), as well as separate entrances. Sits on the corner of 6th & Adams Avenue. VERY Walkable to dining, nightlife, concerts & events. Zero historical vacancy. Proven investment with true, verified income & expenses-no projections. Roof, furnaces, gas meters all in the last 12 years. ***YOU CAN BUY THIS as your PRIMARY RESIDENCE so long as you live in one of the units. (***Call for details and financing options.) Previous day notice for showings required for the current tenants. Call the Agent to set up showings, this is not in ShowingTime.
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1908
Materials
- Roof: Composition
- Construction materials: Frame
Type & Style
- Home type: MultiFamily
- Architectural style: Legal Conforming
- Property subType: Multi Family
Interior
Appliances
- Appliances included: Electric Range,Refrigerator
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Outside Entry
- Flooring: Wood
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Wall/Window Unit(s),Ceiling Fan(s)
Interior Area
- Total structure area: 2,304
- Total interior livable area: 2,304 sqft
Property
Accessibility
- Accessibility features: Level Lot,Level Drive,Near Bus,Main Floor Bath,Accessible Bedroom
Details
- Parcel number: R0387347
- Zoning: R3E
- Special condition: Private Owner
- Exclusions: Tenants belongings
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Exterior features: Balcony
- Fencing: Partial
Lot
- Lot size: 5,700 sqft
- Features: Corner Lot,Deciduous Trees,Level,City Limits,Paved,Curbs,Gutters,Sidewalks,Street Light,Fire Hydrant within 500 Feet
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
- Cold Wave
- Hail
- Lightning
- Winter Weather
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Colorado Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $239 | $2,868 |
| Property Taxes | $227 | $2,724 |
| Electricity | $186 | $2,232 |
| Total | $3,306 | $39,672 |
Income You'd Need if You Spent...
Colorado FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-08 | Listed for sale | $525,000 |
| 2025-12-19 | Pending sale | $525,000 |
| 2025-12-01 | Listed for sale | $525,000 |
| 2012-07-10 | Sold | $125,000 |
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