13328 Otter Road, Loveland, CO, 80538
About This Home
Nestled atop 11.5+ acres of peaceful Colorado terrain, this beautifully updated mountain retreat, set on a permanent foundation, showcases sweeping views of iconic Horsetooth Rock. Every inch of the property has been thoughtfully renovated with quality finishes and attention to detail. Designed for both everyday comfort and entertaining, this expansive kitchen boasts sleek slate appliances, abundant counter/cabinet space, and a walk-in pantry that offers plenty of storage and convenience. Soaring 10-foot tongue and groove vaulted ceilings in the living room and primary suite showcase abundant natural light and panoramic scenery. The newly completed walk-out basement offers an impressive extension of living space, featuring a wet bar, cozy wood stove, two spacious bedrooms, and a full bathroom, all with easy access to the outdoors. A radon mitigation system was professionally installed in October 2025 for added peace of mind. Step outside to enjoy the massive 37 by 12 Trex deck, relax in the hot tub, or explore your private acreage. The low-maintenance stucco exterior and metal roof offer long-term durability, while the 29 by 25 attached garage and two storage sheds, provide ample room for tools, toys, and equipment. Seller providing a $5,000 concession with an acceptable offer, giving buyers flexibility to apply it toward closing costs, prepaid expenses, or an interest rate buy-down (subject to lender approval). Gated access, no drivebys. Please reach out to schedule a private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2002
Materials
- Roof: Metal
- Construction materials: Stucco
Type & Style
- Home type: MobileManufactured
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Oven,Range,Refrigerator
- Laundry features: In Unit
Basement
- Has basement: Yes
- Basement: Finished,Full,Walk-Out Access
Bathroom
- Level: Main
Bathroom
- Level: Basement
Bedroom
- Level: Main
Bedroom
- Level: Basement
Bedroom
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 2
Dining Room
- Level: Main
Features
- Flooring: Laminate
- Fireplace features: Wood Burning Stove
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,296
Heating & Cooling
- Heating features: Forced Air,Propane,Wood Stove
- Cooling features: None
Interior Area
- Total structure area: 2,592
- Total interior livable area: 2,592 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Living Room
- Level: Basement
Other
- Level: Main
Other
- Level: Main
Property
Details
- Parcel number: R0500194
- Zoning: O
- Special condition: Standard
- Other equipment: Satellite Dish
- Exclusions: Seller's Personal Property,Washer & Dryer,Trail Cameras And Camera On Garage.
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: Mountain(s)
- Residential vegetation: Wooded
- Horses can be raised: Yes
Lot
- Lot size: 11.54 Acres
- Features: Rolling Slope
Parking
- Total spaces: 2
- Parking features: Oversized
- 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
- Hail
- Inland Flooding
- Landslide
- Lightning
- Wildfire
- Winter Weather
- Avalanche
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 | $3,691 | $44,292 |
| Home Insurance * | $315 | $3,780 |
| Property Taxes | $316 | $3,792 |
| Electricity | $195 | $2,348 |
| Total | $4,517 | $54,204 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-20 | Price change | $740,000 |
| 2026-04-02 | Price change | $755,000 |
| 2026-02-02 | Price change | $760,000 |
| 2026-01-08 | Price change | $770,000 |
| 2025-10-25 | Listed for sale | $775,000 |
| 2025-10-09 | Pending sale | $775,000 |
| 2025-09-12 | Price change | $775,000 |
| 2025-07-24 | Price change | $795,000 |
| 2025-07-03 | Price change | $830,000 |
| 2025-06-05 | Listed for sale | $850,000 |
| 2022-07-15 | Sold | $675,000 |
| 2022-05-19 | Listed for sale | $675,000 |
| 2016-05-31 | Sold | $224,900 |
| 2016-03-04 | Pending sale | $224,900 |
| 2016-02-24 | Listed for sale | $224,900 |
| 2016-02-12 | Pending sale | $224,900 |
| 2016-02-03 | Listed for sale | $224,900 |
| 2013-08-07 | Listing removed | $159,900 |
| 2013-04-26 | Listed for sale | $159,900 |
| 2012-03-27 | Listing removed | $160,000 |
| 2012-03-04 | Price change | $160,000 |
| 2012-02-26 | Listed for sale | -- |
| 2011-12-15 | Listing removed | $159,900 |
| 2011-09-03 | Price change | $159,900 |
| 2011-05-29 | Price change | $169,900 |
| 2011-05-06 | Listed for sale | $189,900 |
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