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$489,000

  • For Sale
  • Under Contract
  • Single Family
  • 4 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • 2,634 Sq. Ft.
  • 2 Car Garage
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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!

Full Property Details for 432 Cardinal Ave

General

  • Price: $489,000
  • HOA FEE: $55/month
  • HOA FEE FREQ.: Quarterly
  • Taxes: $2,009 (2025)
  • Status: Under Contract
  • Type: Single Family
  • Source: IRES
  • MLS ID: 1055359
  • Updated: 5/8/2026
  • Added to Site: 54 day(s) ago

Interior

  • Interior Features: Separate Dining Room, Cathedral Ceiling(s), Open Floorplan, Pantry, Bay or Bow Window, Natural Woodwork, Walk-In Closet(s), Washer/Dryer Hookup
  • Appliances: Electric Range, Self Cleaning Oven, Dishwasher, Refrigerator, Microwave, Disposal, Fire Alarm
  • Flooring: Wood

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • 3/4 Bathrooms: 1
  • Main Floor Baths: 2

Bedrooms

  • Total Bedrooms: 4

Exterior

  • Exterior Features: Sprinkler System
  • Porch/Patio/Deck: Deck

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Parking Features: Garage Door Opener, Attached
  • Garage Description: Attached

Location

  • Area: Loveland
  • County: Larimer
  • Subdivision: Winona First Sub
  • Driving Directions: Highway 34, Take Madison South, left on 4th Street to subdivision.

School Information

  • School District: Thompson R2-J
  • Elementary School: Winona
  • Middle School: Ball (Conrad)
  • High School: Mountain View

Community

  • Association: Yes
  • Assoc. Name: Songbird Meadows Home Owners
  • Assoc. Fees Include: Common Amenities, Management

Heating & Cooling

  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Forced Air

Utilities

  • Gas: Yes
  • Gas: Xcel Energy
  • Sewer: Public Sewer
  • Water: City
  • Utility Description: Natural Gas Available, Electricity Available

Structural Information

  • Architectural Style: Contemporary
  • Construction: Brick
  • Exterior Const.: Brick
  • Basement: Yes
  • Basement Desc.: Full, Partially Finished
  • Roof: Composition
  • Square Feet: 2,634
  • Sq. Ft. Source: Assessor
  • Living Area: 2,584 Sq. Ft.
  • Year Built: 2002

Lot Features

  • Lot Size (Acres): 0.13
  • Lot Size (Sq. Ft.): 5,724
  • Frontage: City Street, Alley
  • Street/Road Desc.: Asphalt
  • Fence: Yes
  • Lot Features: Evergreen Trees, Deciduous Trees, Level, House Faces West, Paved, Curbs, Gutters, Sidewalks, Street Light
  • Potential Use: Single-Family
  • Zoning: P-56
  • Fencing (Description): Fenced

Financial Considerations

  • Association Fee: Yes
  • Association Fee: $165
  • Assoc Fee Freq.: Quarterly
  • Tax Amount: $2,009
  • Tax Year: 2025
  • Terms: Cash, Conventional, FHA, VA, 1031 Exchange

Disclosures and Reports

  • Special Conditions: Private Owner
  • Exclusions: Sellers Personal Property
  • Property ID: R1601061

Listed by Patridge Realty (303) 601-1330

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Listing agent

— 432 Cardinal Ave —

  • Patridge Realty

    303-601-1330

3036011330

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 432 Cardinal Ave

School District:Thompson School District R-2j
NameGradesDistance
Winona Elementary School
201 South Boise Avenue, Loveland, CO 80537
PK-50.1 mi
Bill Reed Middle School
370 West 4th Street, Loveland, CO 80537
6-81.5 mi
Mountain View High School
3500 Mountain Lion Drive, Loveland, CO 80537
9-121.8 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 432 Cardinal Ave Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/03/2026
Price Reduced
$489,000
-2%
MLS
4/02/2026
Listed
$499,000
157.22%
MLS
11/17/2003
Sold
$194,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 432 Cardinal Ave

Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,009
10%
$29,738
-11%
2024
$1,829
4%
$33,299
—
2023
$1,764
8%
$33,299
20%
2021
$1,632
3%
$27,685
3%
2022
$1,588
-3%
$26,911
6%
2021
$1,632
37%
$25,447
18%
2018
$1,188
16%
$21,629
—
2017
$1,023
-28%
$21,629
-15%
2019
$1,430
82%
$25,447
36%
2016
$784
1%
$18,650
—
2015
$778
37%
$18,650
24%
2014
$566
-50%
$15,060
—
2013
$1,134
—
$15,060
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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Listed by Patridge Realty (303) 601-1330

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432 Cardinal Ave, Loveland, CO 80537 (MLS# 1055359) is a Single Family property with 4 bedrooms, 2 full bathrooms and 1 partial bathroom. 432 Cardinal Ave is currently listed for $489,000 and was received on April 02, 2026. Want to learn more about 432 Cardinal Ave? Do you have questions about finding other Single Family real estate for sale in Loveland? You can browse all Loveland real estate or contact a Coldwell Banker agent to request more information.

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