Move-In Ready Ranch with Finished Basement in Highly Sought-After Songbird Meadows!This rare 4-bedroom, 3-bath ranch home with a fully finished basement and 2-car attached garage checks all the boxes-and homes like this don't come up often. Lovingly maintained by the original owners, this home is packed with updates and ready for you to move right in.Step inside to an open, light-filled floor plan with gleaming hardwood floors and a spacious living area that flows seamlessly into the dining space and kitchen-perfect for entertaining or everyday living. The kitchen features newer appliances, including a refrigerator, dishwasher, and garbage disposal, plus plenty of counter and cabinet space.Enjoy true main-level living with 3 bedrooms and 2 full bathrooms on the main floor, including a comfortable primary suite. Downstairs, the fully finished basement is a standout feature-offering a massive family/game room with a built-in bar and pool table (included!), a large 4th bedroom, an additional full bath, and tons of storage.Major upgrades are already done for you, including newer furnace and central A/C, plus fresh interior and exterior paint-giving you peace of mind from day one.Outside, relax or entertain in your easy to maintain, very small private, fully fenced backyard with a deck-perfect for summer evenings, pets, or gatherings. The attached 2-car garage is fully insulated and drywalled, with convenient alley access.Located in a quiet, desirable neighborhood near parks, trails, and everyday amenities, this home offers the space, layout, and updates buyers are searching for.Homes with this layout, condition, and finished basement don't last-schedule your showing today before it's gone!
Sold for $490,000
$490,000
432 Cardinal Ave, Loveland, CO 80537
4beds
2,634sqft
Single Family Residence
Built in 2002
5,724 Square Feet Lot
$489,900 Zestimate®
$186/sqft
$2,836 Estimated rent
Home value
$489,900
$465,000 - $514,000
$2,836/mo
Zestimate® history
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List your homeWhat's special
Comfortable primary suiteFully finished basementTons of storageConvenient alley accessKitchen features newer appliancesOpen light-filled floor planGleaming hardwood floors
Zillow last checked:
Listing updated:
Listed by:
Deborah Patridge 303-601-1330,
Patridge Realty
Bought with:
Eddie Stephen, 100104318
Your Castle Realty LLC
Source: IRES as distributed by MLS GRID,MLS#: 1055359
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
- Main level bathrooms: 2
Primary bedroom
- Description: Carpet
- Features: Full Primary Bath
- Level: Main
- Area: 192 Square Feet
- Dimensions: 16 x 12
Bedroom 2
- Description: Carpet
- Level: Main
- Area: 110 Square Feet
- Dimensions: 10 x 11
Bedroom 3
- Description: Carpet
- Level: Main
- Area: 120 Square Feet
- Dimensions: 10 x 12
Dining room
- Description: Wood
- Level: Main
- Area: 117 Square Feet
- Dimensions: 9 x 13
Kitchen
- Description: Wood
- Level: Main
- Area: 144 Square Feet
- Dimensions: 12 x 12
Living room
- Description: Carpet
- Level: Main
- Area: 180 Square Feet
- Dimensions: 15 x 12
Heating
- Forced Air
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Range, Self Cleaning Oven, Dishwasher, Refrigerator, Microwave, Disposal
- Laundry: Washer/Dryer Hookup
Features
- Separate Dining Room, Cathedral Ceiling(s), Open Floorplan, Pantry, Natural Woodwork, Walk-In Closet(s)
- Flooring: Wood
- Windows: Bay or Bow Window
- Basement: Full,Partially Finished
Interior area
- Total structure area: 1,367
- Total interior livable area: 2,634 sqft
- Finished area above ground: 1,367
Property
Parking
- Total spaces: 2
- Parking features: Garage Door Opener, Attached
- Attached garage spaces: 2
- Details: Attached
Accessibility
- Accessibility features: Level Lot, Accessible Doors, Main Floor Bath, Accessible Bedroom, Main Level Laundry
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Sprinkler System
- Fencing: Fenced
Lot
- Size: 5,724 Square Feet
- Features: Evergreen Trees, Deciduous Trees, Level, Paved, Curbs, Gutters, Sidewalks, Street Light
Details
- Parcel number: R1601061
- Zoning: P-56
- Special conditions: Private Owner
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Brick
- Roof: Composition
Condition
- New construction: No
- Year built: 2002
Utilities & green energy
- Electric: City of Loveland
- Gas: Xcel Energy
- Sewer: Public Sewer
- Water: City
- Utilities for property: Natural Gas Available, Electricity Available
Community & HOA
Community
- Security: Fire Alarm
- Subdivision: Winona First Sub
HOA
- Has HOA: Yes
- Services included: Common Amenities, Management
- HOA fee: $165 quarterly
- HOA name: Songbird Meadows Home Owners
- HOA phone: 970-377-1626
Location
- Region: Loveland
Financial & listing details
- Price per square foot: $186/sqft
- Tax assessed value: $475,800
- Annual tax amount: $2,009
- Date on market: 4/2/2026
- Listing terms: Cash,Conventional,FHA,VA Loan,1031 Exchange
- Exclusions: Sellers Personal Property
- Electric utility on property: Yes
- Road surface type: Asphalt
Price history
| Date | Event | Price |
|---|---|---|
| 6/5/2026 | Sold | $490,000+0.2%$186/sqft |
Source:  IRES as distributed by MLS GRID #1055359 Report a problem | ||
| 5/9/2026 | Pending sale | $489,000$186/sqft |
Source:  REcolorado as distributed by MLS GRID #IR1055359 Report a problem | ||
| 5/4/2026 | Price change | $489,000-2%$186/sqft |
Source: IRES as distributed by MLS GRID #1055359 Report a problem | ||
| 4/2/2026 | Price change | $499,000-5.7%$189/sqft |
Source: IRES as distributed by MLS GRID #1055359 Report a problem | ||
| 3/5/2026 | Price change | $529,000-1.9%$201/sqft |
Source: IRES as distributed by MLS GRID #1044908 Report a problem | ||
| 2/23/2026 | Price change | $539,000-1.8%$205/sqft |
Source: IRES as distributed by MLS GRID #1044908 Report a problem | ||
| 2/3/2026 | Price change | $549,000-5.2%$208/sqft |
Source: IRES as distributed by MLS GRID #1044908 Report a problem | ||
| 10/31/2025 | Price change | $579,000-1.7%$220/sqft |
Source: IRES as distributed by MLS GRID #1044908 Report a problem | ||
| 10/2/2025 | Listed for sale | $589,000+203.6%$224/sqft |
Source: IRES as distributed by MLS GRID #1044908 Report a problem | ||
| 11/17/2003 | Sold | $194,000+385%$74/sqft |
Source: Public Record Report a problem | ||
| 3/13/2002 | Sold | $40,000$15/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,009 +9.8% | $29,738 -10.7% |
| 2024 | $1,829 +15.1% | $33,299 -1% |
| 2023 | $1,588 -2.7% | $33,622 +24.9% |
| 2022 | $1,632 +12.2% | $26,911 +31% |
| 2021 | $1,455 +1.7% | $20,535 +12.2% |
| 2020 | $1,430 +20.4% | $18,297 -0.7% |
| 2019 | $1,188 | $18,425 -14.8% |
| 2018 | $1,188 | $21,629 |
| 2017 | $1,188 +16.1% | $21,629 +16% |
| 2016 | $1,023 +31.5% | $18,650 |
| 2015 | $778 +37.3% | $18,650 +23.8% |
| 2014 | $566 | $15,060 |
| 2013 | -- | $15,060 +4.3% |
| 2012 | -- | $14,440 |
| 2011 | -- | $14,440 -5.4% |
| 2010 | -- | $15,270 |
| 2009 | -- | $15,270 -9.2% |
| 2008 | -- | $16,810 |
| 2007 | -- | $16,810 -4.9% |
| 2006 | -- | $17,670 |
| 2005 | -- | $17,670 +13.3% |
| 2004 | -- | $15,590 +116.8% |
| 2002 | -- | $7,190 +320.5% |
| 2001 | -- | $1,710 |
Find assessor info on the county website
Neighborhood: 80537
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Nearby schools
GreatSchools rating
- 5/10Winona Elementary SchoolGrades: PK-5Distance: 0.1 mi
- 4/10Bill Reed Middle SchoolGrades: 6-8Distance: 1.5 mi
- 7/10Mountain View High SchoolGrades: 9-12Distance: 1.7 mi
Schools provided by the listing agent
- Elementary: Winona
- Middle: Ball (Conrad)
- High: Mountain View
Source: IRES as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$489,900
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Estimated market value
$489,900
- Colorado
- Larimer County
- Loveland
- 80537
- 432 Cardinal Ave
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