Price drop $25,000! Bring us an offer! The seller is eager & willing to negotiate! This charming downtown ranch with a finished basement blends modern updates, thoughtful details, and an unbeatable location. Step inside to find a home where the owner spared no expense in creating comfortable, stylish spaces. The kitchen is a true showstopper with upgraded cabinetry lighting, new LVP flooring in the main areas, and smart lighting throughout that syncs with Alexa or your phone. Gather in the living room around the original brick fireplace with pellet stove insert, while the finished basement provides additional space for hobbies, guests, or entertainment. The bathrooms are equally impressive. Upstairs, you'll find a steam shower with Bluetooth speakers, color-changing lights, a commercial marine bench, and heavy-duty exhaust fan - a true spa-like retreat. Downstairs, the second bathroom includes heated floors, a rain shower with three shower heads, built-in bench seating, Bluetooth speakers, and color-changing lights, making it feel like your own personal wellness suite. Additional upgrades include a newer roof and siding plus a split AC and heating system programmable by app, giving you control and comfort year-round. Outdoors, enjoy a generous lot with street and alley access. Fruit trees, grapevines, and a variety of vegetables and plants are already established - ready for you to harvest and expand. An attached heated garage with workshop area provides space for projects. Best of all, there's no HOA and no metro district - giving you freedom and savings. From this prime downtown location, you can walk to restaurants, coffee shops, boutiques, breweries, grocery stores, and enjoy Lake Loveland just moments away for sunsets and recreation. At 604 W 9th St, you're not just buying a home - you're embracing the Loveland lifestyle!