1540 N Garfield Ave, Loveland, CO, 80538

Welcome to this versatile property in the heart of Loveland, perfect for multi-generational living, income generation, and personal enjoyment. Situated on a spacious 0.8-acre lot, this home blends modern upgrades with historic charm and thoughtful design to meet a variety of needs with 4 bedrooms and 4 bathrooms. The main level features 2 bedrooms, 2 bathrooms, beautifully updated hickory wood floors, a radiant-heated bathroom floor, and a stunning kitchen with stainless steel appliances, solid-surface countertops, under-cabinet lighting, and a full tile backsplash. A year-round sunroom, equipped with a mini-split system, skylights, and storage cabinets, offers the perfect space for relaxing or a home office. The basement walk-out features two operational Airbnb units, each with its own private entrance, offering flexibility and income potential. The first unit, Sweetheart City Inn, is a well-appointed space that includes 1 bedroom with a walk-in closet, a spacious living area, a kitchenette, and three-quarter bathroom. The second unit, The Cellar, is a cozy open studio with a kitchenette, beautifully stained concrete floors, and a three-quarter bathroom. Both units have been thoughtfully renovated and are actively generating income through short-term rentals, offering flexible options for additional income or multi-generational living. The oversized 988.6 SF garage features epoxy floors, a wood-burning stove, a separate shop space, and access to a root cellar, making it ideal for hobbyists or extra storage. The outdoor space is equally impressive, with lush seasonal gardens, multiple entertainment areas, motion-sensor lighting, and front/backyard irrigation systems. A private well provides exterior irrigation, while City utilities supply potable water to the home. Conveniently located near Lake Loveland, with no HOA and no metro tax, this property offers flexibility, freedom, and charm-all in a central location. Don't miss your chance to own this incredible home!