Steller Ridge

Loveland | Colorado

The Measure of

Tropical Style

View Photos Watch Film 360° VTour Open House

Michelle Barnes

Presented At

$3,250,000

Bedrooms

Bathrooms

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16132

Steller Ridge

Loveland | Colorado

16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States. , Loveland , Colorado 80538

sophisticated mountain modern masterpiece on 40 private acres

Completed just 4 years ago for over $4M, this is your rare opportunity to own a sophisticated mountain modern masterpiece on 40 private acres with direct trail access to Horsetooth Mountain via Lory State Park, which borders the property on two sides. This 5,800+ sqft retreat delivers turnkey perfection, trusted service providers already in place, and instant equity you simply cannot replicate in today’s market. Tucked behind the gates of Redstone Canyon and surrounded by Roosevelt National Forest, this home offers forever views, profound quiet, and nature in every direction. Floor-to-ceiling windows frame dramatic mountain vistas where passing storms and golden sunsets give way to full rainbows in the valley below, a rare, ever-changing display of Colorado’s natural beauty. Crafted by award-winning Vertical Arts and Hammersmith Structures, the architecture fuses steel, stone, and concrete with soaring ceilings and seamless sightlines. This is a home built for real living: thoughtful storage, durable materials, zero-maintenance fire-proof exteriors, and intelligent energy systems including solar/geothermal prep, EV chargers, heat pumps, and a 5,000-gallon cistern. Sophisticated integrated technology throughout elevates daily living without complexity. The chef’s kitchen features commercial appliances and a massive island, complemented by a full outdoor kitchen. Thoughtfully designed spaces include flexible offices, a spa-like primary suite, en suite guest quarters, a bar and game room, home theater, and a reinforced safe room. An oversized 3-car garage completes the package. Only 12 miles from Fort Collins (30 minutes to town and PSD schools), with easy access to Boulder, RMNP, and DIA. Whether you’re seeking a full-time luxury residence, a high-end second home, or an excellent investment, every detail is handled. Just move in and enjoy a property that could not be built today for anywhere near this price.

Property

3D Street View Tour

Property Location

16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States., Loveland Colorado

Local Weather & Climate

Loveland, Colorado

Current Conditions Updated recently

46 °F

Broken clouds

Feels Like 42°F

Humidity 35%

Wind 8 mph

Visibility 6.2 mi

Sunrise 1:15 PM

Sunset 1:04 AM

5-Day Forecast

Fri 13 Mar

Clouds

High 57°

Low 46°

Sat 14 Mar

Clouds

High 63°

Low 41°

Sun 15 Mar

Clouds

High 52°

Low 17°

Mon 16 Mar

Clouds

High 39°

Low 18°

Tue 17 Mar

Clouds

High 64°

Low 29°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Loveland?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

Down Payment

$100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (United States)

$0 Est. First Year Interest Deduction

$0 Est. Annual Tax Savings

*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
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Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

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$325,000,000

16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States.

Loveland, Colorado 80538

5 Beds

View All Photos

Market Opinion

Ultra Luxury 631.1× median

View prices in:

Our perspective on current market conditions in Loveland. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market

Balanced conditions. Negotiate wisely.

Buyer Score

Homes are taking 52 days to sell - more time to negotiate

Local Market Price Trends

Median home sale prices in Loveland, Colorado — ZIP code 80538 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $325,000,000

Area median: $515,000

+3.1% year-over-year (near the 3.5% historical avg)

Market Competition

52 days

Days on Market

Above typical

99.3%

Sale-to-List Ratio

Below asking

Future Value & Wealth Building

Starting investment: $3,250,000 20% down ($650,000)

27.8 years

Double Your Investment

Based on current market trends, your property value could double

$1,937,921

10-Year Equity

Your potential equity after 10 years of payments and appreciation

$17,298

Monthly Investment

Estimated monthly mortgage payment (principal & interest)

$6,860,293

30-Year Wealth Potential

Total equity after full mortgage payoff with market appreciation

3.0x

Leverage Power

Your $650,000 down payment could grow to $1,937,921 in equity (10 yrs)

Investment Perspective

$1 → $1.28

Every dollar invested today could become $1.28 in 10 years

$100 → 128 $1,000 → $1,283

$225/day

Your home may appreciate while you sleep

$1,576/week $6,829/mo $81,952/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$241K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential -7% advantage over stocks

-$1.8M

+$1.9M

$1.9M Potential Equity

vs $1.8M lost to rent over 10 years

$650K Down Payment Growth

10yr

$1.9M

5.9x

20yr

$3.9M

10.6x

30yr

$6.9M

Wealth Comparison

×16

Equivalent to 16 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $6.9M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

27.8

years

Market-Based

2.52% effective/yr

16.4

years

Optimistic

4.32% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $3.8M +18%

Market $4.2M +28%

Optimistic $5.0M +53%

$1.9M est. equity

20 Years

Conservative $4.5M +39%

Market $5.3M +65%

Optimistic $7.6M +133%

$3.9M est. equity

30 Years

Conservative $5.3M +63%

Market $6.9M +111%

Optimistic $11.5M +255%

$6.9M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average

4.27 %

1967 – 2024

57 years of U.S. home price data

Recent Decade Average

6.5 %

2014 – 2024

Post-recovery bull market

Historical Norm

Current 3.4% appreciation is in line with historical norms. Conservative projections are well-grounded.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 2.5%. Market scenario reflects current 3.4% YoY trend from Redfin (May 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated May 2026

Neighborhood Demographics

ZIP 80538 • 2022 ACS Data

48,929 Population

Median Age: 42.0

$85,141 Median Income

Above Average

$448,800 Median Home Value

Rent: $1,637

41.8% College Graduates

Above Average

Housing

Homeowners 68.7%

Renters 29.0%

Vacancy Rate 2.4%

Employment

3.8% Unemployment

20.4% Work From Home

Education Attainment (Age 25+)

High School+ 95.9%

Bachelor's+ 41.8%

Graduate+ 16.1%

Data from U.S. Census Bureau American Community Survey 2022

Local Market Trends

Real estate market data for Loveland

Warm Market Active market with steady demand

$515,000

Median Sale Price

$253

Price per Sq Ft

Avg Days on Market

Data provided by RentCast

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does 16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States have?

This house at 16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States features 5 bedrooms.

What is the listing price for 16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States?

This property is listed at $325,000,000.

What are the current real estate market conditions in Loveland?

In Loveland, home prices have increased 3.1% over the past year, homes typically sell within 52 days, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.

Is now a good time to buy a home in Loveland?

Based on current market indicators, Loveland shows an active market. The market opportunity score is 47 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is 16132 Steller Ridge, Loveland, CO, 80538, USA, Loveland, Colorado, United States?

This is a house located in Loveland, Colorado. The property is situated in an established neighborhood with convenient access to local amenities and services.

Brokerage: