Loveland Basement Homes for Sale

About homes with a basement in Loveland

The homes with a basement for sale in Loveland above are every MLS listing with a basement: finished basements, unfinished basements, walkout basements, garden-level basements and partial basements. Buyers searching basement homes in Loveland also search homes with a finished basement, walkout basement homes, homes with a basement apartment, homes with a mother-in-law suite downstairs and homes with a basement bedroom, and this page carries all of them. This page shows home with a basements for sale in Loveland, and the count updates the moment a home lists or closes. The count updates the moment a home lists or closes.

Unfinished is the cheapest square footage you will buy in Loveland. It appraises low and finishes for $40 to $80 a square foot, which is less than the same space costs upstairs.

Walkout basements open to grade on a sloped lot and bring in light and a second entrance. They carry a premium in Loveland and make the best rental or in-law suites.

Garden level sits half above grade with full-size windows. More light than a standard basement, less separation than a walkout.

Egress, radon and water. A basement bedroom needs an egress window. Colorado sits on uranium-rich soil, so we test radon on every basement home in Loveland. And we look for the sump pump, the water line on the wall and the smell.

Tour with a Kenna agent, 7 days a week. We open the mechanical room, check the egress windows and ask for the permit history.

Inspect the basement hard. Radon test, sewer scope, foundation walls, sump pump and the grading outside. Expansive Front Range soils move basements.

Questions people ask about homes with a basement in Loveland

How many homes with a basement are for sale in Loveland right now?

The grid at the top of this page is the live MLS list: it updates the moment a home lists or closes, and the market stats under it show today's median price.

How big are the homes with a basement in Loveland?

Sizes vary from home to home. Use the grid filters for square footage and bedrooms; the market stats under the grid show today's price per square foot.

Can I buy homes with a basement in Loveland with a low down payment?

Yes. Colorado down-payment assistance works at a 620 credit score, FHA takes 3.5 percent down, VA zero where the buyer qualifies, and a seller credit covers closing costs. On the median $525K home with a basement that is $18,375 down at 3.5 percent. More: Can I afford a home now?.

What should I check before making an offer on home with a basement in Loveland?

The price per square foot against the other listings on this page (the market stats under the grid show today's median), the days on market, the HOA or metro district if there is one, the sewer line and roof age on older homes, and whether the seller pays a closing-cost credit or a rate buydown. More: Seller concessions for Colorado buyers.

Do homes with a basement in Loveland have HOA fees?

Some do. Each listing card shows the HOA fee, and the grid filters can narrow the list to homes with no HOA. More: HOA fees in Colorado, explained.

What does the median home with a basement in Loveland cost per month?

It depends on the price, your down payment and today's rate. Put the price of the home you like into the Colorado mortgage calculator at kennarealestate.com/colorado-mortgage-calculator for the full monthly cost. More: Can I afford a home now?.

Does a finished basement count in the square footage?

Appraisers count it separately as below-grade square footage and value it at less per foot than the main floor. The MLS lists total and finished square feet; we show you both on every Loveland listing. More: What Colorado Homebuyers Want in a Finished Basement .

Can I rent out a basement in Loveland?

A basement with its own entrance, kitchen, egress and a city permit can be rented where Loveland zoning allows an accessory unit. We check the zoning and the HOA before you count on the income. More: Rent Out Your Home Instead of Selling in Today's Market – Kenna Real Estate Can Help -.