404 Split Rock Dr, Loveland, CO, 80537
About This Home
Rare lakefront home offering what the sellers describe as "private resort-style, year-round living." This spacious Contemporary Tuscan-style home welcomes you with soaring ceilings, an open floor plan, and stunning lake views. Quality features throughout include 8' solid-core doors, decorative arches and niches, stone accents, a stone fireplace hearth, and radiant floor heating. The main level features a large living area with lakefront balcony access, study/office/craft room, oversized sit-around kitchen island, abundant cabinetry and pantry space, dining area, and powder room. Upstairs, the spacious primary suite includes a fireplace, luxurious 5-piece bath, oversized walk-in closet, walk-in shower with dual shower heads, and a private covered balcony overlooking the lake. A second suite with full bath and laundry complete the upper level. The walk-out lower level offers a third bedroom with nearby full bath, expansive storage/utility space, and a large rec room opening to a covered patio with TV plus an additional open patio area. Just steps away is your private dock for a pontoon, paddleboards, and more. Enjoy breathtaking sunrise views, abundant wildlife, and direct access to the nearby Natural Reserve trail system. As the end home, the property offers added privacy with only one neighboring home plus a private driveway and additional front parking. Conveniently located near grocery shopping and other amenities. This is truly a property best appreciated in person.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2009
Materials
- Roof: Tile
- Construction materials: Frame,Stone,Stucco
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Gas Range,Double Oven,Dishwasher,Refrigerator,Washer,Dryer,Microwave
Basement
- Has basement: Yes
- Basement: Partially Finished,Walk-Out Access
Bedroom2
- Level: Upper
- Area: 289
- Dimensions: 17 x 17
Bedroom3
- Level: Basement
- Area: 192
- Dimensions: 12 x 16
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Dining Room
- Level: Main
- Area: 170
- Dimensions: 10 x 17
Features
- Eat-in Kitchen,Open Floorplan,Pantry,Walk-In Closet(s),Kitchen Island,Two Primary Suites,High Ceilings
- Window features: Window Coverings
- Fireplace features: Two or More,Gas,Multi-Sided,Family Room,Bedroom
- Fireplace: Yes
- Finished area above ground: 2,514
Heating & Cooling
- Heating features: Forced Air,Radiant
- Cooling features: Central Air
Interior Area
- Total structure area: 2,514
- Total interior livable area: 3,803 sqft
Kitchen
- Level: Main
- Area: 154
- Dimensions: 14 x 11
Laundry
- Level: Upper
- Area: 54
- Dimensions: 6 x 9
Living Room
- Level: Main
- Area: 304
- Dimensions: 16 x 19
Primary Bedroom
- Features: Full Primary Bath,5 Piece Primary Bath
- Level: Upper
- Area: 247
- Dimensions: 19 x 13
Recreation Room
- Level: Main
- Area: 360
- Dimensions: 20 x 18
Study
- Level: Main
- Area: 154
- Dimensions: 11 x 14
Property
Details
- Parcel number: R1641706
- Attached to another structure: Yes
- Zoning: P-96
- Special condition: Private Owner
- Exclusions: Seller's Personal Property
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio,Deck
- Exterior features: Balcony
- Has view: Yes
- View description: Mountain(s),Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Abuts Pond/Lake,Lake Privileges,Lake Front
Lot
- Lot size: 4,706 sqft
- Features: Abuts Public Open Space
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Cold Wave
- Hail
- 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 | $6,007 | $72,084 |
| Home Insurance * | $542 | $6,504 |
| Property Taxes | $514 | $6,168 |
| Electricity | $287 | $3,445 |
| Total | $7,350 | $88,200 |
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 |
|---|---|---|
| 2026-05-14 | Listed for sale | $1,188,000 |
| 2019-10-17 | Listing removed | $569,000 |
| 2019-10-17 | Pending sale | $569,000 |
| 2019-09-17 | Sold | $540,000 |
| 2019-06-06 | Price change | $569,000 |
| 2019-04-23 | Listed for sale | $575,000 |
| 2010-06-03 | Sold | $325,000 |
| 2010-04-03 | Price change | $325,000 |
| 2009-11-15 | Listed for sale | $345,000 |
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