Nova55Living › Fort Collins / Northern CO › The Lakes at Centerra
Loveland / Fort Collins, CO · Age-Targeted · Lake-Front Setting · $550K–$900K · HOA $200–$250/mo
The Lakes at Centerra straddles the Loveland/Fort Collins border around two lakes — Houts Lake and Equalizer Lake — creating a resort-style setting that stands apart from the more urban-feeling Centerra condos. Residents have access to the Lake Club (pool, fitness center, events) and trail loops around both lakes. Houts Lake allows non-motorized boating; neither allows swimming or power boats. At $550K–$900K, this is the premium-priced option in the Centerra corridor.
| Item | Amount | Notes |
|---|---|---|
| Home Price Range | $550K–$900K | Wide range depending on sub-association and lot |
| HOA Fee | $200–$250/mo | Covers Lake Club access; note multiple sub-associations with different maintenance levels |
| Sub-Association Fees | Confirm per sub | Each sub-association carries different maintenance levels — confirm both HOA and sub-association costs before buying |
| Larimer County Tax (est.) | ~$3,920–$5,040/yr | At $700K–$900K, ~0.56% effective |
| After Senior Exemption | ~$3,360–$4,480/yr | 65+, 10-yr ownership |
| Homeowners Insurance | ~$2,500–$3,800/yr | Hail risk; higher-value homes cost more |