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3943 Owl Creek Court, Loveland, CO, 80538

5beds
4baths
4,215sqft
$745,000
$177price/sqft
$4,729/moest. monthly cost
$189,160/yrincome needed

About This Home

Welcome to your private retreat, where light, space, and outdoor adventure meet. This beautiful home features an open, sun-filled layout with vaulted ceilings and expansive windows. Enjoy the convenience of four bedrooms on one level, plus an additional bedroom in the partially finished basement. The spacious primary suite includes two walk-in closets, and the oversized attached garage offers ample room for all your recreational gear. With a new roof and durable cement board siding, this home is designed for low-maintenance living. Located in a quiet, nature-rich community next to Boyd Lake State Park, residents enjoy access to private reservoirs, trails, open space, and a nearby fishing pond. Walking distance to High Plains School and close to a medical complex, offering potential for monthly rental opportunities. A perfect blend of comfort, convenience, and Colorado lifestyle.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
High Plains SchoolGrades PK-80.5 mi
7/10
Mountain View High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Construction materials: Cement Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Bath/Stubbed,Sump Pump

Bathroom

  • Features: En Suite Bathroom
  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Main

Bedroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedroom

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Flooring: Vinyl
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 383
  • Finished area above ground: 2,847

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,215
  • Total interior livable area: 4,215 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Media Room

  • Level: Main

Mud Room

  • Level: Main

Property

Details

  • Parcel number: 8504310007
  • Special condition: Standard
  • Exclusions: Seller's Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio
  • Exterior features: Garden
  • Fencing: Full
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 5,662 sqft

Parking

  • Total spaces: 3
  • Parking features: Concrete
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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 $3,767$45,204
Home Insurance *$322$3,864
Property Taxes $322$3,864
Electricity $318$3,818
Total$4,729$56,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,137/yr
40% on housing$141,870/yr
45% on housing$126,106/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

$177This 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)

No zestimate history available

Price History

DateEventPrice
2026-04-25Listed for sale$750,000
2024-02-23Sold$675,000
2024-01-09Pending sale$675,000
2023-12-07Listed for sale$675,000
2023-11-16Listing removed--
2023-11-03Price change$686,900
2023-10-20Price change$687,900
2023-09-14Listed for sale$688,900
2023-09-14Listing removed--
2023-08-19Price change$698,900
2023-06-30Price change$700,000
2023-04-26Listed for sale$720,000
2019-10-31Sold$539,050

For Sale by Agent

AgentSarah Nolan
BrokerageKeller Williams Advantage Realty LLC

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