This charming turn-of-the-century cottage is tailor made for first time buyers or folks looking to downsize. The seller is offering a $10,000 concession to help with closing costs with a full priced offer. Situated on a nearly quarter acre lot shaded by mature trees in a quiet, tucked away neighborhood close to downtown, this home features a bright, open layout and loads of character! The home is approached through a cute white picket fence leading to a covered front porch. Upon entry, you are greeted with an expansive main living area featuring a large picture window that floods the home with natural light and much of the original late 19th century style trim. The large kitchen has ample counter space and is open to the expansive dining area, and features plenty of room for a coffee nook. Mini-splits installed in 2023 provide cooling and heating, and there's also a wall-mount furnace for those really cold nights. There's off-street parking in front and plenty of room for your toys behind the property. There is a fully fenced yard featuring a fire pit in the rear for outdoor living. About half the property is not fenced and faces Railroad Ave, making access for large vehicles easy! A pad for a future garage already exists. This well cared for home features several updates. The roof is 5 years old, the mini-splits are 3 years old, the kitchen features new butcher block countertops, a new modern stainless sink and a new dishwasher, and you will find new light fixtures, new interior paint and new flooring throughout the home. The sewer line was replaced in 2025. You won't find more value at this price point in Loveland. Don't miss this one-of-a-kind home!