# 446 E 4th St, Loveland, CO 80537 > **TL;DR:** 7bd/6ba single family, $1,250,000 ($297/sqft), built 1905, 4,210 sqft. > A/C. Est. $6,686/mo. Listed 114 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,250,000 | | Price/sqft | $297 | | Bedrooms | 7 | | Bathrooms | 6 full | | Square Feet | 4,210 | | Year Built | 1905 | | Lot Size | 10,454 sqft (0.24 acres) | | Stories | 1 | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 114 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $6,321 | | Estimated Insurance | $365 | | **Total** | **$6,686** | ## Nearby Schools - **Elementary:** Truscott - **Middle:** Bill Reed - **High:** Thompson Valley ## Key Amenities - A/C ## Property Highlights - Built in 1905 - 0.24 acre lot - 2 parking spaces ## Description ### Agent Description Exceptional investment opportunity in the heart of Downtown Loveland! This unique property consists of five income-producing rental units on one lot, including a charming updated house and two duplex buildings, one detached garage with 2 separate spaces, yard space with grass. Recent street improvements along E. 4th Street have been completed, enhancing accessibility and curb appeal. The front house, originally built in 1905, has been updated with improvements including kitchen upgrades, appliances, & electrical systems. The house and the duplex fronting 4th Street have previously been utilized as office spaces, offering flexibility for a variety of future uses. Duplex units feature a living area, Kitchen, bed room, full bath, mudroom entries, and dedicated space for tenant washers & dryers. The Washington Street duplex offers wood flooring in one unit and carpet in the other. Water is billed back to tenants. Strategically located within Downtown (DT) Zoning and multiple development incentive districts, including the Enterprise Zone, Downtown Urban Renewal Area (URA), General Improvement District #1, Historic Downtown Loveland (CEF Exempt Area), Historic Loveland BID, and Loveland DDA. Just blocks from the Civic Center, Library, restaurants, shopping, and vibrant downtown events. Positioned in the Downtown Development Authority (DDA) area, buyers may benefit from available redevelopment and improvement programs, including Tax Increment Financing (TIF), Fa ade Improvement Grants, Small Grant Programs, Fire Suppression Assistance, Restaurant Conversion Programs, and Efficiency Works rebates.An outstanding opportunity for investors seeking cash flow today with long-term value-add and redevelopment potential in one of Northern Colorado's most desirable downtown districts. ## Location - **Address:** 446 E 4th St, Loveland, CO 80537 - **County:** Larimer - **Neighborhood:** Lov - **Coordinates:** 40.395113, -105.070843 - **Google Maps:** https://www.google.com/maps?q=40.395113,-105.070843 ## Listing Agent - **Name:** Nanci Garnand - **Brokerage:** Real Broker, LLC - **Phone:** 9702271327 - **Broker Phone:** (855) 450-0442 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/446-E-4th-St_Loveland_CO_80537_M19281-94237?f=listhub&s=IRESCO&m=1060558&c=propsimple) ## Photos ![446 E 4th St - Photo 1](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3428097176r.jpg) ![446 E 4th St - Photo 2](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2292836080r.jpg) ![446 E 4th St - Photo 3](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f537718786r.jpg) ![446 E 4th St - Photo 4](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2439695093r.jpg) ![446 E 4th St - Photo 5](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f791541598r.jpg) ![446 E 4th St - Photo 6](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f707603419r.jpg) ![446 E 4th St - Photo 7](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3979038840r.jpg) ![446 E 4th St - Photo 8](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2282638828r.jpg) ![446 E 4th St - Photo 9](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2604143468r.jpg) ![446 E 4th St - Photo 10](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1917590584r.jpg) ![446 E 4th St - Photo 11](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f4022489811r.jpg) ![446 E 4th St - Photo 12](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2734441182r.jpg) ![446 E 4th St - Photo 13](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3090833673r.jpg) ![446 E 4th St - Photo 14](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2519840499r.jpg) ![446 E 4th St - Photo 15](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2913709840r.jpg) ![446 E 4th St - Photo 16](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1346334695r.jpg) ![446 E 4th St - Photo 17](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1784037310r.jpg) ![446 E 4th St - Photo 18](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f418186371r.jpg) ![446 E 4th St - Photo 19](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2871127990r.jpg) ![446 E 4th St - Photo 20](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f386548912r.jpg) ![446 E 4th St - Photo 21](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3470501864r.jpg) ![446 E 4th St - Photo 22](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f913251692r.jpg) ![446 E 4th St - Photo 23](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2792203838r.jpg) ![446 E 4th St - Photo 24](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3756270358r.jpg) ![446 E 4th St - Photo 25](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3328633658r.jpg) ![446 E 4th St - Photo 26](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3872115027r.jpg) ![446 E 4th St - Photo 27](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2871582644r.jpg) ![446 E 4th St - Photo 28](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2220551101r.jpg) ![446 E 4th St - Photo 29](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f494168026r.jpg) ![446 E 4th St - Photo 30](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1049855354r.jpg) ![446 E 4th St - Photo 31](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f936711408r.jpg) ![446 E 4th St - Photo 32](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f86253770r.jpg) ![446 E 4th St - Photo 33](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1009816064r.jpg) ![446 E 4th St - Photo 34](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3397692827r.jpg) ![446 E 4th St - Photo 35](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2574092120r.jpg) ![446 E 4th St - Photo 36](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2043594313r.jpg) ![446 E 4th St - Photo 37](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2269424859r.jpg) ![446 E 4th St - Photo 38](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2718533285r.jpg) ![446 E 4th St - Photo 39](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f4065400621r.jpg) ![446 E 4th St - Photo 40](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3873362061r.jpg) ![446 E 4th St - Photo 41](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1962670670r.jpg) ![446 E 4th St - Photo 42](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f3618382589r.jpg) ![446 E 4th St - Photo 43](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2098303594r.jpg) ![446 E 4th St - Photo 44](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1085181616r.jpg) ![446 E 4th St - Photo 45](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1615868283r.jpg) ![446 E 4th St - Photo 46](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f2678030552r.jpg) ![446 E 4th St - Photo 47](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f1308101582r.jpg) ![446 E 4th St - Photo 48](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f438490220r.jpg) ![446 E 4th St - Photo 49](http://lh.rdcpix.com/81b9be42c88688134615bf78c58849b2l-f4132135862r.jpg) --- **MLS#:** 1060558 | **Updated:** 2026-09-16 **Source:** listhub *Copyright © 2026 IRES MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/446-e-4th-st-loveland-co-80537-1060558) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/446-e-4th-st-loveland-co-80537-1060558#listing", "url": "https://www.propertysimple.ai/listing/446-e-4th-st-loveland-co-80537-1060558", "name": "446 E 4th St, Loveland, CO 80537", "description": "Exceptional investment opportunity in the heart of Downtown Loveland! This unique property consists of five income-producing rental units on one lot, including a charming updated house and two duplex buildings, one detached garage with 2 separate spaces, yard space with grass. Recent street improvements along E. 4th Street have been completed, enhancing accessibility and curb appeal. The front house, originally built in 1905, has been updated with improvements including kitchen upgrades, appliances, & electrical systems. The house and the duplex fronting 4th Street have previously been utilized as office spaces, offering flexibility for a variety of future uses. Duplex units feature a living area, Kitchen, bed room, full bath, mudroom entries, and dedicated space for tenant washers & dryers. The Washington Street duplex offers wood flooring in one unit and carpet in the other. Water is billed back to tenants. Strategically located within Downtown (DT) Zoning and multiple development incentive districts, including the Enterprise Zone, Downtown Urban Renewal Area (URA), General Improvement District #1, Historic Downtown Loveland (CEF Exempt Area), Historic Loveland BID, and Loveland DDA. Just blocks from the Civic Center, Library, restaurants, shopping, and vibrant downtown events. 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