Front Range
Loveland, Colorado
Larimer County · Front Range · city
Since 1946, Loveland has been the nation's "Sweetheart City" — every February, volunteers hand-stamp valentines mailed in from all 50 states and more than 100 countries with a Loveland cancellation and a love poem before sending them back out.
Loveland sits in the Big Thompson Valley where the plains meet the foothills, and the river running through it was the reason people stopped here long before the town existed. In 1858, Mariano Medina — a mountain man and guide born in Taos — set up a trading post and toll crossing on the Big Thompson along the Overland (Cherokee) Trail, a settlement that became known as Fort Namaqua. He and his family were the first permanent settlers in what is now Loveland. The town proper came with the railroad: as the Colorado Central pushed a line through the valley, farmer David Barnes gave up part of his land next to the new depot — ready for service by December 1877 — and platted a townsite. Rather than name it Barnesville after himself, Barnes named it for his friend William A. H. Loveland, president of the Colorado Central Railroad. Residents voted to incorporate the town in 1881.
The railroad turned Loveland from a river crossing into a farm-shipping town, and irrigation from the Big Thompson made the valley bloom. Sugar beets and cherries became the anchor crops: the Great Western Sugar Company opened a beet-processing factory in 1901 that ran until 1985 and was a major employer for generations, and by the late 1920s the Spring Glade orchard on the west edge of town was billed as the largest cherry orchard west of the Mississippi. Drought and wartime supply shortages ended the cherry era by around 1960, and the sugar factory eventually closed too, but the agricultural bones — the ditches, the valley farms, the grid of a working county-seat-scale town — still shape how Loveland looks and where it grew.
Two identities set modern Loveland apart. One is love by mail: in 1946 the local postmaster and stamp club noticed people routing valentines through town just for the 'Loveland' postmark, and a re-mailing program was born. Every year volunteers now hand-stamp valentines sent in from all 50 states and well over 100 countries with a special cachet and a verse, earning Loveland the title 'Sweetheart City.' The other is bronze. Beginning in the 1970s and '80s, sculptors and internationally known foundries clustered here; local sculptors and the city launched Sculpture in the Park in 1984 — now among the largest outdoor juried sculpture shows in the country — and the free Benson Sculpture Garden opened in 1985. Loveland is a designated Colorado Creative District, and public art turns up on nearly every downtown corner.
Loveland today feels like a friendly, mid-sized Front Range city that never lost its small-town warmth — close enough to Fort Collins and the Denver metro to be connected, far enough to keep its own pace. The revived historic downtown along Fourth Street is walkable and full of murals, galleries, breweries, and the kind of local shops that know your name, and public sculpture is genuinely everywhere. Benson Sculpture Garden puts well over a hundred free bronzes along winding paths and ponds, and every summer Sculpture in the Park draws artists and crowds. The Big Thompson River threads through town with trails alongside it, Lake Loveland sits right in the middle of things, and the foothills and the mouth of the Big Thompson Canyon are minutes west — the gateway drive up to Estes Park and Rocky Mountain National Park. It's an artsy, outdoorsy, family-friendly place where a weekend easily holds a gallery stroll, a lakeside walk, and a canyon drive.
Worth knowing
The honest heads-up is the river that gives Loveland its setting. The Big Thompson runs right through town, and in September 2013 a week of rain sent it over its banks, flooding more than three square miles and knocking out water lines — so if you're looking near the river, the floodplain designation and flood insurance are worth a hard look before you fall in love with the view. The city has since rebuilt its infrastructure and reshaped stretches of the channel to handle high water better. It's a real thing to check, not a reason to shy away — it's just the trade for living in a green river valley with the foothills and the canyon at your doorstep.
The practical side
Loveland is a home-rule city with its own sales and lodging taxes, its own Water & Power utility, and its own short-term-rental licensing — so the layer that governs a Loveland address is often the city itself, not just Larimer County. The Big Thompson River runs right through town, and the 2013 flood is a reminder that the floodplain is a live local layer here.
- Confirm whether the address is inside Loveland city limits versus unincorporated Larimer County — the city's Sales Tax 'Address Locator' tool settles it, and it changes who levies tax and who issues permits.
- If it's near the Big Thompson River, check the FEMA/city floodplain designation before buying or building — the 2013 flood inundated more than three square miles of Loveland and destroyed two of the city's three water lines.
- For a rental play, get the short-term-rental license through the city's Planning Division and register for the 3% city lodging tax — Loveland licenses and taxes short-term rentals at the city level.
- Verify who provides water and power: inside the city, that's Loveland Water & Power (a city utility); just outside, it may be a separate rural water or metro district, so ask for a will-serve confirmation.
Local notes
More about Loveland
Outdoors and wildfire
Getting into Rocky Mountain National Park can take a reservation
On busy stretches of the year, Rocky Mountain National Park uses a timed-entry reservation system, so a visit from the Estes Park side may need planning ahead.
Cars and driving
Driving Larimer County's canyons: the one weather tip worth knowing
The drive up Big Thompson Canyon west of Loveland is one of Larimer County's prettiest. One thing worth knowing before you go: in a flash flood, leave the car and climb to higher ground.
Money and taxes
Larimer property tax is half-pay or full-pay
Larimer property tax is paid in two equal halves or one full amount; partial payments are not accepted, so send a whole installment.
Money and taxes
Larimer tax liens can be redeemed before a deed
An owner or legally interested party can redeem a Larimer County tax lien in cash or certified funds any time before a Treasurer's Deed is executed.
Money and taxes
Larimer Treasurer collects tax, but does not set it
The Treasurer mails statements, collects, and distributes property tax but never sets the amount; value and record questions belong to the Assessor.
Water and land
A Larimer County well permit can limit outdoor use
A well permit, not the parcel size, sets how the water may be used, so read it before planning gardens, livestock, or outdoor watering.
Money and taxes
A Larimer Treasurer's Deed is not quick title
A Treasurer's Deed is a slow tax-lien process with title work, notice, auction, and redemption, and it produces unmarketable title for a time.
Money and taxes
Larimer building-material use tax gets a final true-up
Larimer collects an estimated building-material use-tax deposit at permit time, then trues it up at the end with a Project Cost Report.
Sources and review
Where this information comes from
Colorado Porch gives the short version, then points back to the official source for the rule that matters.
- Data used
- Colorado state and local-rule source set
- Last reviewed
- June 2026
- Colorado Property Tax Entities and Mill Levies map for taxing districts, entities, and mill levies by location.
- Colorado Department of Revenue tax guidance for state sales, use, income, and local tax starting point.
- Colorado county assessor directory for local official offices.
Use this carefully: Colorado local rules vary by municipality, county, special district, and home-rule jurisdiction. Confirm the address, not just the town name.
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