Wake up to breathtaking sunrises and watch multiple fireworks shows light up the valley from your back deck - this 3-bed, 3-bath ranch-style home on 1.3 acres delivers the Colorado lifestyle you've been looking for. Enter through your private gate and settle into a property that has been thoughtfully updated and meticulously maintained.Inside, enjoy brand new LVP flooring and recessed lighting throughout (2024), new stainless steel kitchen appliances, as well as Anderson windows, sliders and doors allow for welcoming views from every angle. Garage doors were replaced 4 years ago and myQ motor is new. Stay comfortable year-round with mini splits added in 2015 and freshly serviced in 2025. The Class 4 hail-resistant roof with transferable warranty was completed in 2025, giving your buyer serious peace of mind. The walkout basement includes a rec room, two additional bedrooms, a newly remodeled, three-piece bath, and plenty of storage space. Outside, the property truly shines. A beautiful three-tiered retaining wall, added in 2020, has been wired for electricity and has a drip system. This home also features a gazebo, a dog run with artificial turf, and a shed with additional storage space. The 4-inch Asphalt driveway was completed in 2023 and gives the property a clean, polished look and added confidence. This property also allows horses. North Carter Lake District water. The septic system has been cleaned and inspected (April 2026) and a transfer of ownership document was completed (May 2026). There is a voluntary road maintenance fee, which keeps things simple. Just minutes from Carter Lake for fishing boat, boating, hiking and camping. Pre-inspected and move-in ready. This one checks every box.
Private retreat just minutes from Carter Lake with views for miles to overlook the City of Loveland. Well maintained custom built 3 bedroom, 2 bath with a walkout basement and a 3 car garage. Enjoy the evening on the deck or under the gazebo. Storage building for yard tools. Could have one horse. End of the road seclusion.
IRES as Distributed by MLS Grid #637240
Jan 1, 2011
Listing Removed
—
Dec 14, 2010
Listed
$395,000
$123/sq ft
IRES as Distributed by MLS Grid #612768
Jul 15, 2010
Listing Removed
—
Oct 23, 2009
Listed
$395,000
$123/sq ft
Public Records
Dec 1, 1998
Sold
$53,000
$17/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$4,689 (+1.0%)
$10,938 + $41,538
$52,476
2024
$4,643 (+3.4%)
$10,938 + $41,538
$52,476
2023
$4,491 (+17.0%)
$11,725 + $45,366
$57,091
2022
$3,839 (−3.3%)
$11,725 + $45,366
$57,091
2021
$3,969 (+5.1%)
$10,842 + $34,145
$44,987
2020
$3,775 (+1.8%)
$11,154 + $35,128
$46,282
2019
$3,708 (+20.5%)
$11,154 + $32,718
$43,872
2018
$3,078 (+14.8%)
$11,154 + $32,718
$43,872
2017
$2,681 (−4.0%)
$9,216 + $25,106
$34,322
2016
$2,792 (+13.6%)
$9,216 + $25,106
$34,322
2014
$2,458 (−0.4%)
$4,780 + $24,360
$29,140
2013
$2,467 (+42.3%)
$4,780 + $24,360
$29,140
2012
$1,734 (−27.1%)
$5,970 + $22,530
$28,500
2011
$2,378 (−2.5%)
$5,970 + $22,530
$28,500
2010
$2,439 (+1.2%)
$5,970 + $23,580
$29,550
2009
$2,410
$5,970 + $23,580
$29,550
Public record
Public record
Zoning
Permits
Beds
2
Baths
2.5
Stories
1
Lot width
—
Lot depth
—
Lot size
1.3 Acres
Year renovated
1999
Finished Sq. Ft.
2,448
Unfinished Sq. Ft.
—
Total Sq. Ft.
2,448
Year built
1999
Style
Single Family Residential
County
Larimer County
APN
R1034243
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 30, 2026.
RR-2
Rural Residential District
The RR-2 district is intended to accommodate rural residential uses, along with compatible agricultural and civic uses. It serves as a transition between rural and urban areas. Development options include conservation development or subdivision depending on the size of property being developed. Minimum lot sizes are based on the availability of public water and sewer serving the property.
Permitted uses
Include but are not limited to:
Agriculture
Housing-Group
Housing-Single unit
Housing-Senior
Housing-Mobile home park
Park & open space
Oct 22, 2025 • Final
Plumbing
Replace a water heater in a residential building.
Plumbing
Water heater
Jul 11, 2025 • Final
Re-roof
Perform reroofing work on a residential building.
Roofing
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
6/10 Fire Factor
12% chance of being in a wildfire in next 30 years
2/10 Heat Factor
6 days above 90° expected this year, 14 days in 30 years
1/10 Wind Factor
Minimal risk of severe winds over next 30 years
3/10 Air Factor
3 unhealthy days expected this year, 5 days in 30 years
Provided by First Street
Historical weather
Loveland, CO • 80537
Average low and high temperatures (°F)
42
20
51
26
63
38
63
39
70
47
82
57
90
63
85
60
81
54
68
44
54
32
52
30
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
91/ 100
Exceptional sunlight
Sunscore
This home receives average direct sun exposure in Loveland. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
10 hrs
5.3 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 8609 Ranch Rd
$888,972
$21K under list price of $910K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $525K to $1.2M.