City Completes $24.5 Million Fourth Street Overhaul

Loveland finished the HIP Streets project on downtown Fourth Street, replacing aging utilities and upgrading sidewalks.

Updated on Nov. 9, 2026 in Openings & Closings

Newly rebuilt downtown street with brick-paved sidewalks, cream stone curbs, and low historic brick buildings receding toward distant foothills. — Loveland completed the $24.5 million HIP Streets overhaul of downtown Fourth Street between North Washington and Garfield avenues, replacing aging utilities. AI Illustration. Upload story photo >

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The City of Loveland has completed construction on Fourth Street in downtown Loveland under the $24.5 million HIP Streets project. The work replaced aged utilities beneath the street and upgraded accessibility and pedestrian areas.

Why it matters

Much of the old infrastructure beneath Fourth Street was aged, undersized or deteriorating, so the upgrade addresses underlying system condition. The project was funded without general-fund dollars, using utility enterprise funds and Certificates of Participation paid by the Downtown Development Authority.

The $24.5 million HIP Streets project was funded with $12 million in city utility enterprise funds and $12.5 million from Certificates of Participation paid by the Downtown Development Authority. No general-fund dollars were used, and the extraction does not report long-term maintenance costs.

The players

City of Loveland

The City of Loveland is the municipal government of Loveland, Colorado, which undertook and funded the Fourth Street overhaul.

Downtown Development Authority

The Downtown Development Authority is the Loveland downtown entity that partnered with the city on the project and paid the Certificates of Participation funding.

The details

Work covered the five main blocks of Fourth Street between North Washington and Garfield avenues, beginning in February 2025 under a partnership between the city and the DDA. Upgrades include ADA-accessible curbs, ramps, widened sidewalks with decorative brick pavers, new stormwater drains, gutters, water pipes and underground power, while the number of downtown parking spaces was kept the same.

February 2025: Construction on the HIP Streets project began.
November 2026: Fourth Street construction was completed for the holiday season.
Spring 2027: Ten large-scale sculptures are scheduled for installation, two per block.

Market Landscape

The Fourth Street completion is a segment of Loveland's HIP Streets program, extending that citywide infrastructure effort into the downtown core. The project's funding through utility enterprise funds and DDA-paid Certificates of Participation shows how the city has financed the work without drawing on general-fund dollars.

Downtown Fourth Street now has ADA-accessible curbs, ramps and widened sidewalks, and the number of parking spaces remains unchanged. Visitors and shoppers can use the upgraded corridor, with sculpture installation and a ribbon-cutting ceremony still ahead in spring 2027.

The takeaway

Downtown Loveland's Fourth Street now has rebuilt utilities and upgraded walkways, with the parking supply unchanged. Residents and business owners can watch for the spring 2027 sculpture installation and ribbon-cutting ceremony.

What happens next

Ten large-scale sculptures will be installed two per block on Fourth Street in spring 2027, followed by a ribbon-cutting ceremony once the art pieces are in place.