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5098 Stonewall St, Loveland, CO, 80538

4beds
4baths
2,232sqft
$582,000
$261price/sqft
$3,631/moest. monthly cost
$145,240/yrincome needed

About This Home

Welcome to elevated townhome living. This stunning end unit offers the space, privacy, and upscale finishes you've been searching for - all wrapped in a low-maintenance lifestyle. With three fully finished levels, natural light floods every corner thanks to the additional windows only an end unit can offer. The main level is designed to impress and built to live in. A chef-inspired kitchen is anchored by dramatic waterfall quartz countertops, custom cabinetry, and premium stainless steel appliances - flowing effortlessly into an open-concept dining and living area. Sleek laminate floors, designer lighting, and soaring ceilings create an atmosphere of warmth and sophistication. Upstairs, the upper level is a true retreat. The generous primary suite boasts a spa-like en suite bath with a double vanity, frameless glass shower, and walk-in closet - your own private sanctuary. Additional bedrooms offer flexibility for family, guests, or a dedicated home office, all served by a beautifully appointed full bath.The finished basement adds incredible versatility - use it as a media room, fitness space, recreation area, or guest suite. With high ceilings and quality finishes carried throughout, this level is anything but an afterthought. As an end unit, enjoy enhanced privacy, added green space, and the feel of a single-family home without the upkeep. Don't miss your chance to own one of the most sought-after floor plans in the community.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

6/10
4/10
6/10
Loveland High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Composition
  • Construction materials: Frame

Other

  • Builder model: Zion
  • Builder name: Black Timber Builders

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Gas Range,Dishwasher,Refrigerator,Washer,Dryer,Microwave

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedroom2

  • Level: Upper
  • Area: 99
  • Dimensions: 9 x 11

Bedroom3

  • Level: Upper
  • Area: 99
  • Dimensions: 9 x 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 117
  • Dimensions: 9 x 13

Features

  • Open Floorplan,Walk-In Closet(s),High Ceilings
  • Window features: Window Coverings
  • Finished area below ground: 609
  • Finished area above ground: 1,605
  • Common walls with other units/homes: End Unit

Great Room

  • Level: Basement
  • Area: 312
  • Dimensions: 12 x 26

Heating & Cooling

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

Interior Area

  • Total structure area: 2,214
  • Total interior livable area: 2,232 sqft

Kitchen

  • Level: Main
  • Area: 130
  • Dimensions: 10 x 13

Laundry

  • Level: Upper
  • Area: 24
  • Dimensions: 4 x 6

Living Room

  • Level: Main
  • Area: 143
  • Dimensions: 11 x 13

Primary Bedroom

  • Features: Luxury Features Primary Bath
  • Level: Upper
  • Area: 165
  • Dimensions: 11 x 15

Property

Details

  • Parcel number: R1676211
  • Attached to another structure: Yes
  • Zoning: RMU
  • Special condition: Builder

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Fenced

Lot

  • Lot size: 2,957 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,>8' Garage Door
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $2,942$35,304
Home Insurance *$251$3,012
Property Taxes $252$3,024
Electricity $186$2,232
Total$3,631$43,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,491/yr
40% on housing$108,930/yr
45% on housing$96,826/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

$261This 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
2026-04-04Listed for sale$582,000

For Sale by Agent

AgentRobert Miner
BrokerageBlack Timber Real Estate LLC

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