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2327-2331 W 18th St, Loveland, CO, 80538

3beds
2baths
2,052sqft
$650,000
$317price/sqft
$4,034/moest. monthly cost
$161,360/yrincome needed

About This Home

HOUSE HACK OPPORTUNITY! Live in one side and rent the other. Prime Loveland location, ideally situated between Lake Loveland and Rist Benson Reservoir, this side-by-side duplex is a rare opportunity for a truly A+, turnkey investment property with no HOA. Thoroughly renovated and meticulously maintained, with nearly all major CapEx items replaced within approximately the last 6 years, this is the kind of low-hassle duplex investors work hard to find-and rarely see hit the market. Both units offer bright, open-concept living with updated kitchens and bathrooms, newer appliances, and the added convenience of individual attached one-car garages. Outdoors, you'll appreciate the fenced, private patios and Zeroscaped backyards designed for easy maintenance, plus additional shed storage for each unit. Furnished 2 Bedroom Unit is ready for you to lease at top market rents, or live in and lease the other unit. Unit 2331 adds even more versatility with fenced RV/boat parking-a standout feature that boosts tenant appeal and long-term value. Unit 2327 has been consistently rented furnished and includes utilities, while 2331 pays all utilities except water (property has a single water meter). For buyers looking ahead, there's also clear value-add potential through future rent optimization-the furnished unit (2327) is projected at approximately $2,800/month. A standout word to describe this one, RARE - location, condition, and income-this IS Loveland duplex ownership with the heavy lifting already done. West unit is a 1 bedroom/ 1 bath with 2 living spaces. East unit is a 2 bedroom/ 1 bathroom.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

4/10
4/10
Bill Reed Middle SchoolGrades 6-81.9 mi
6/10
Loveland High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Composition
  • Construction materials: Frame,Brick

Type & Style

  • Home type: MultiFamily
  • Architectural style: Contemporary
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Refrigerator,Disposal
  • Laundry features: Washer/Dryer Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Open Floorplan,Walk-In Closet(s)
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: One
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,052
  • Total interior livable area: 2,052 sqft

Property

Accessibility

  • Accessibility features: Main Floor Bath,Accessible Bedroom

Details

  • Parcel number: R0362077
  • Zoning: R1
  • Special condition: Private Owner
  • Exclusions: Seller's Personal Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced,Chain Link

Lot

  • Lot size: 10,605 sqft
  • Features: Level,Paved,Curbs,Gutters,Sidewalks

Parking

  • Total spaces: 6
  • Parking features: Garage Door Opener
  • Has garage: Yes

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 $3,286$39,432
Home Insurance *$281$3,372
Property Taxes $281$3,372
Electricity $186$2,232
Total$4,034$48,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,308/yr
40% on housing$121,020/yr
45% on housing$107,573/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

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 80538$214
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
2026-01-28Listed for sale$650,000
2022-05-12Sold$600,000
2022-04-26Listed for sale$550,000

For Sale by Agent

AgentGus Bergs
BrokerageRE/MAX Alliance-FTC South

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