Heart Improvement Plan (HIP Streets)
In 2009, the City of Loveland Public Works Department developed the conceptual plan for the Heart Improvement Plan (HIP Streets), which explored opportunities to enhance the streets within the historic core of Downtown Loveland. In 2017, after gathering public input, the plan was modernized to include a thoughtful and cost-effective approach to revitalizing 19 core blocks of Downtown Loveland.
The first phase of the Heart Improvement Plan – the 4th Street Revitalization – addresses the five blocks along 4th Street that extend from Garfield Avenue to Washington Avenue. The current effort is focused on improving 4th Street through streetscape enhancements, while the City of Loveland Water and Power Department works on upgrades to the utility infrastructure beneath the road. As this project is a significant effort, the City of Loveland and the Loveland Downtown Development Authority (DDA) have come together to finally bring this portion of the Heart Improvement Plan to fruition. We’re excited to reimagine our Downtown and it all starts with 4th Street.
Our project team is composed of local industry professionals who understand the importance of these improvements and are committed to making this a project our community can be proud of while embracing our historic core and creating a vibrant space that highlights our artistic community.
Project Vision
Create a functional, aesthetically pleasing, eclectic Downtown environment that facilitates business vitality, fosters a sense of community, and accentuates the identity of the Downtown commercial district.
Incorporate streetscaping as part of an existing major infrastructure project to minimize business impact and improve the built environment.
Project Impacts
By late February 2025, the City of Loveland aims to begin construction, starting with underground water and stormwater utility improvements. Once infrastructure improvements are complete, the City of Loveland will focus on surface improvements determined by the streetscape design. Between utility and streetscape improvements, each block is anticipated to take six to eight months to construct.
Pedestrian access to 4th Street businesses will remain open throughout the project, however, the road will be closed to vehicular traffic. Visitors can access the corridor by parking in lots along 5th Street and by using other nearby designated on-street parking. Visit the downtown parking webpage for a map of available parking options.
Updates
- Adopted Concept Plans (2009)
- Parking Studies (2018/2019)
- Revised Modernization Plan (2017)
- Infrastructure Assessment (2019)
- 4th Street Construction Design and Drawings (2023)
- Parking study updated
- Present updated plans to LRFA, City Planning Commission, Loveland Parks and Recreation, APP, City Management and DDA Board (07/2023-08/2023)
- First Open House at The Foundry to review public input (08/23/2023)
- Second Open House at the Desk Chair Workspace to gather additional input (12/12/2023)
- City Council Update (01/23/2024)
Project Goals
- Focus on Economic Vitality
- Attract new downtown visitors and patrons to encourage tourism
- Minimize construction disruption
- Finish the project with no business loss or claims
- Allow for efficient access, parking and circulation
- Catalyze business potential in under-utilized areas
- Create a Comfortable and Inviting Downtown Experience Unique to Loveland
- Create a safe environment that is activated at night and day
- Develop a vibrant, engaging and unique streetscape as a regional destination
- Capitalize on artistic spirit and attitude towards placemaking
- Build upon the unique Downtown Loveland identity
- Incorporate art and culture in design and user experience
- Identity and History, unique to Loveland
- Create a Flexible and Adaptable Streetscape
- Flexible and functional space for a variety of uses
- Allow for ease of seasonal programming needs
- Inviting and appealing place for a broad demographic to stimulate diverse businesses
- Design and build an easily maintained space
- Create more safe and comfortable walking/pedestrian zones
- Foster Partnerships for Long Term Success
- Provide for sustained stakeholder engagement
- Ensure Downtown Business support throughout project
Project Funding
On Tuesday, Nov. 19, 2024, Loveland’s City Council unanimously approved using Certificates of Participation (COPs) to help fund the Heart Improvement Plan’s 4th Street Revitalization project. The $24.5 million project will be paid for through a mix of Utility Enterprise Funds and COPs. Utility Enterprise Funds (Stormwater, Water and Power) will contribute $12 million, while the remaining $12.5 million will come from COPs paid by the Downtown Development Authority (DDA). No General Funds will be used for this project.
Stay Informed During Construction
Whether you live outside downtown or are directly affected by the construction, we have project updates tailored to your needs.
- General Public Updates: Receive updates on essential project news, major milestones, city-wide impacts, and opportunities to get involved in marketing and community events.
- Downtown Business/Resident Updates: Receive detailed information about construction impacts, traffic changes, neighborhood-specific updates, and how your business can participate in marketing campaigns and support programs.
To sign up for the project newsletter, join the Heart Improvement Plan Email List. To contact the project team, call the Public Works Department at 970-962-2524 or email HIPStreets@cityofloveland.org. Please allow at least 24-48 hours for a response. Thank you!
In 2009, the City of Loveland Public Works Department developed the conceptual plan for the Heart Improvement Plan (HIP Streets), which explored opportunities to enhance the streets within the historic core of Downtown Loveland. In 2017, after gathering public input, the plan was modernized to include a thoughtful and cost-effective approach to revitalizing 19 core blocks of Downtown Loveland.
The first phase of the Heart Improvement Plan – the 4th Street Revitalization – addresses the five blocks along 4th Street that extend from Garfield Avenue to Washington Avenue. The current effort is focused on improving 4th Street through streetscape enhancements, while the City of Loveland Water and Power Department works on upgrades to the utility infrastructure beneath the road. As this project is a significant effort, the City of Loveland and the Loveland Downtown Development Authority (DDA) have come together to finally bring this portion of the Heart Improvement Plan to fruition. We’re excited to reimagine our Downtown and it all starts with 4th Street.
Our project team is composed of local industry professionals who understand the importance of these improvements and are committed to making this a project our community can be proud of while embracing our historic core and creating a vibrant space that highlights our artistic community.
Project Vision
Create a functional, aesthetically pleasing, eclectic Downtown environment that facilitates business vitality, fosters a sense of community, and accentuates the identity of the Downtown commercial district.
Incorporate streetscaping as part of an existing major infrastructure project to minimize business impact and improve the built environment.
Project Impacts
By late February 2025, the City of Loveland aims to begin construction, starting with underground water and stormwater utility improvements. Once infrastructure improvements are complete, the City of Loveland will focus on surface improvements determined by the streetscape design. Between utility and streetscape improvements, each block is anticipated to take six to eight months to construct.
Pedestrian access to 4th Street businesses will remain open throughout the project, however, the road will be closed to vehicular traffic. Visitors can access the corridor by parking in lots along 5th Street and by using other nearby designated on-street parking. Visit the downtown parking webpage for a map of available parking options.
Updates
- Adopted Concept Plans (2009)
- Parking Studies (2018/2019)
- Revised Modernization Plan (2017)
- Infrastructure Assessment (2019)
- 4th Street Construction Design and Drawings (2023)
- Parking study updated
- Present updated plans to LRFA, City Planning Commission, Loveland Parks and Recreation, APP, City Management and DDA Board (07/2023-08/2023)
- First Open House at The Foundry to review public input (08/23/2023)
- Second Open House at the Desk Chair Workspace to gather additional input (12/12/2023)
- City Council Update (01/23/2024)
Project Goals
- Focus on Economic Vitality
- Attract new downtown visitors and patrons to encourage tourism
- Minimize construction disruption
- Finish the project with no business loss or claims
- Allow for efficient access, parking and circulation
- Catalyze business potential in under-utilized areas
- Create a Comfortable and Inviting Downtown Experience Unique to Loveland
- Create a safe environment that is activated at night and day
- Develop a vibrant, engaging and unique streetscape as a regional destination
- Capitalize on artistic spirit and attitude towards placemaking
- Build upon the unique Downtown Loveland identity
- Incorporate art and culture in design and user experience
- Identity and History, unique to Loveland
- Create a Flexible and Adaptable Streetscape
- Flexible and functional space for a variety of uses
- Allow for ease of seasonal programming needs
- Inviting and appealing place for a broad demographic to stimulate diverse businesses
- Design and build an easily maintained space
- Create more safe and comfortable walking/pedestrian zones
- Foster Partnerships for Long Term Success
- Provide for sustained stakeholder engagement
- Ensure Downtown Business support throughout project
Project Funding
On Tuesday, Nov. 19, 2024, Loveland’s City Council unanimously approved using Certificates of Participation (COPs) to help fund the Heart Improvement Plan’s 4th Street Revitalization project. The $24.5 million project will be paid for through a mix of Utility Enterprise Funds and COPs. Utility Enterprise Funds (Stormwater, Water and Power) will contribute $12 million, while the remaining $12.5 million will come from COPs paid by the Downtown Development Authority (DDA). No General Funds will be used for this project.
Stay Informed During Construction
Whether you live outside downtown or are directly affected by the construction, we have project updates tailored to your needs.
- General Public Updates: Receive updates on essential project news, major milestones, city-wide impacts, and opportunities to get involved in marketing and community events.
- Downtown Business/Resident Updates: Receive detailed information about construction impacts, traffic changes, neighborhood-specific updates, and how your business can participate in marketing campaigns and support programs.
To sign up for the project newsletter, join the Heart Improvement Plan Email List. To contact the project team, call the Public Works Department at 970-962-2524 or email HIPStreets@cityofloveland.org. Please allow at least 24-48 hours for a response. Thank you!
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Weekly project update 3/9/26 - 3/15/26
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Here are the project updates for this week (3/9/26-3/15/26).
Please note additional non-project related work at 3rd Street and Cleveland Avenue.
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Streetlight bases, unground power work, concrete roadside bollard bands and roadway grading.
- Block 4 (Cleveland to North Railroad Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Waterline, water services and fireline installations.
- Block 5 (Garfield to Railroad Avenue)
- Block nearing completion!
- Sidewalk completion and punch list reviews.
- 3rd Street and Painter’s Alley
- Traffic will only be allowed to travel westbound at 3rd Street and Cleveland Avenue.
- Power, waterline and concrete sidewalk improvements.
Starting on Monday, March 9, at 3rd Street and Cleveland Avenue eastbound travel will not be accessible to traffic for sidewalk bulb outs on the corners. Delays should be expected within this area. Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
- Block 3 (Lincoln to Cleveland Avenue)
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Weekly project update 3/2/26 - 3/8/26
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Here are the project updates for this week (3/2/26 - 3/8/26):
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Block 3 (Lincoln to Cleveland Ave.)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Crews are installing storm, power conduits and boulder seat walls/pedestals.
- Cleveland will be in a one-lane configuration Monday through Friday. Please expect delays in this area.
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Block 4 (Cleveland to N Railroad Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Crews are working on water and storm infrastructure.
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Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access is provided via the roadway and temporary access bridges.
- Block is nearing completion!
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3rd Street (Cleveland to Railroad Avenue)
- Various lane shifts and intermittent closures for water valve replacements on the west side of the intersection.
Starting on Monday, March 2, 3rd Street will be closed to construct the sidewalk bulb outs on the corners. Delays should be expected within this area. Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
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Block 3 (Lincoln to Cleveland Ave.)
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Weekly project update 2/23/26 - 3/1/26
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Here are the project updates for this week (2/23/26-3/1/26):
Please see map below for work area limits and access.
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Crews work to begin electric conduits, streetlight foundations, boulder art pedestal/seat wall installations and roadway grading.
- Lane shifts and on-street parking closures on Cleveland Ave (6th to 3rd Street). Please expect delays in this area.
- Block 4 (Cleveland to N. Railroad Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Demolition activities
- Waterline work starts
- BNSF Railroad – Waterline Casing
- Auger work and casing is complete and is ahead of schedule!
- Waterline tie-ins east and west of the casing.
- Learn more about this process by watching our video here: https://youtu.be/XByLOaDqHBM?si=4KxANEVzzrwAZ_Ek
- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access provided via the roadway and temporary access bridges.
- Concrete paver sidewalk installations continue.
Starting on Monday, Feb.16, we will close Block 4 to begin our next phase of work. The map above shows the lane shifts and street closures. Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org(External link) or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
- Block 3 (Lincoln to Cleveland Avenue)
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Waterline dig at downtown intersection unearths century-old history
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Caption: A train pulls into the Main Depot at the intersection of Railroad Avenue and 4th Street in Loveland, Colorado, circa early 1900s. Photo courtesy Loveland Museum Collection.When the train rolled through Loveland in the early 1900’s, an important stop was the main railway depot at the intersection of Railroad Avenue and 4th Street. There, on a side track along the adjacent Loveland Feed & Grain Mill, workers would load railcars with wheat and flour to ship across the country.At the time, Loveland was a booming agricultural hub in northern Colorado, and laborers came alone or with their families from all parts of the country to plant and harvest crops like wheat, beets and cherries. Many stayed to call Loveland home, contributing to the town’s expansion.
As Loveland grew, so too did the need for water.
Caption: 1920 winter snow scene of people gathered by train cars at the Main Depot at the intersection of Railroad and 4th in Loveland, Colorado. Photo courtesy Loveland Museum Collection.Out with the old. In with the new.
Beginning in February 2026, City of Loveland Utilities will replace a century-old, 10-inch, cast-iron water pipe beneath the tracks at Railroad and 4th with a new 12-inch PVC pipe, set within a larger steel casing for protection. The older pipe, buried a mere four feet below and across the railway tracks, has supplied water to the residents and businesses of Fourth Street since 1924—from serving a population of around 5,600 to 85,000 people today.
“Our water distribution system is like a grid, with multiple points of connections going in different directions,” said Donald Cecil, city engineer with the Utilities Department and project lead. “The new pipe maintains a critical point in the line so that water can continue to flow through downtown from east to west. Resilient and built to last, the pipe will bring increased capacity and pressure and improved quality to the community’s drinking water.”
He added that the advantage of a grid system is that if there is a leak on a specific section of water main, then Utilities crew can isolate that section and serve surrounding areas from another direction.
The construction is part of an ambitious downtown renovation project called the 4th Street Revitalization Project, the first phase of the comprehensive Heart Improvement Plan (HIP Streets) that centers on upgrading and improving deteriorating infrastructure such as utilities, roads and sidewalks in the “heart” of downtown Loveland.
The waterline work at Railroad and 4th is unique because it involves boring pipe underneath an operating railroad track with many different entities involved including city, state and even federal agencies, including Utilities, Public Works, the Downtown Development Authority and Burlington Northern Santa Fe (BNSF) Railway, the owner of the railroad.
“The project is complex because each entity has a different set of criteria that must be met,” said Cecil. “Above all, we want to ensure that our construction agreements support railway operations and safety, and this brings layers of coordination and precaution.”
Caption: The 1924 waterline at the intersection of Railroad Avenue and 4th Street is predated by an even older waterline. In 1887, Loveland taxpayers voted to fund the construction of a six-inch waterline downtown with a $40,000 bond. Sanborn Insurance Maps from the era show downtown Loveland before (1886, left) and after (1890, right) the waterline installation, represented by dotted lines. The inset, right, outlined in red, highlights the Main Depot at the intersection.A delicate operation
The pipe installation brings several engineering challenges given the proximity to the train tracks. The work involves digging a tunnel beneath the tracks, disconnecting the older pipe and laying 150 feet of new pipe. However, the Railway’s right-of-way from the City of Loveland includes the tracks and approximately 50 feet of land on either side. (A right-of-way is the legal right to use or operate on land owned by another entity, in this case, City of Loveland.) How does the crew reach the pipe to make the swap without jeopardizing the right-of-way or structural integrity of the train tracks?Workers will lay the new pipe and steel casing at a depth of 11 feet, a distance determined to be safe by BNSF. To reach this elevation and stay outside the right-of-way, they’ll excavate a 35 x 12 feet pit at around 150 feet from the train tracks. Using an augur (spiral drill), they’ll bore through the subsurface from east to west and, using the same drill, pull out the remaining raw material. The casing and pipe will then be pushed through, but the existing pipe will remain in place—pumped with concrete and capped at either end to avoid leaving an empty space in the earth and the risk of the tracks settling.
Caption: Construction map view shows aerial view of the location of the new waterline pipe relative to the railroad tracks at the intersection of Railroad and 4th, Loveland Colorado. Knowing what’s beneath the earth before construction starts is an important consideration.“We’re dealing with geological formations that were created at different periods of time,” said Cecil. “We need to anticipate the subsurface conditions as much as possible so that we’re not drilling through materials that could damage our equipment or bring unexpected results. Whether we encounter clay or bedrock, consistency is key.”By potholing in advance, the crew can determine what they’re up against. This involves digging six-inch diameter holes and vacuuming out all the material down to the depth of where the waterline will be. Used in combination with radio listening devices and analyzing old utility maps, this preliminary work gives accurate information about what’s underground, which saves time and money and reduces unforeseen risks.As for the condition of the century-old pipe?“We’ll find out how well it’s held up,” said Cecil.Construction updates: What to expectTo complete the improvements, various lane shifts and full intersection closures will be necessary throughout the construction period. Railroad Avenue (east) will be intermittently closed through November 2026. Railroad Avenue (west) will be closed through March, with additional temporary closures pending permits from the Railway and final utility connections on the block to the west.Commuters and pedestrians are encouraged to stay alert to construction and detour signage to safely navigate the area. For current updates on the project, visit: letstalkloveland.org.Watch the video to see the work in progress and for more details.As with the other blocks on 4th Street being renovated, the new waterline, street curbs, storm drains and related improvements at the intersection of Railroad Avenue and 4th Street are designed to bring resilience to downtown Loveland into the next century!
Caption: Underground excavation and bore on Railroad Avenue prepares for the installation of a new 12-inch water pipe in downtown Loveland, Colorado. -
Weekly project update 2/16/26 - 2/22/26
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Here are the project updates for this week (2/16/26-2/22/26):
Please see map below for work area limits and access.
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Electric conduits and boulder art pedestal/seat wall installations.
- Lane shifts and on-street parking closures on Cleveland Ave (6th to 3rd Street). Please expect delays in this area.
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New Closure for Block 4 (Cleveland to north Railroad Avenue)
- The block will be closed to vehicle traffic; sidewalks open for business access.
- Demolition work, removals and surface milling.
- As work begins for Phase 1A with underground utility improvements, this block will be fully closed to commuting traffic.
- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access provided via the roadway and temporary access bridges.
- Concrete paver sidewalks.
- BNSF Railroad – Waterline Casing
- Crews are installing a waterline casing beneath the BNSF railroad.
Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Starting on Monday, Feb.16, we will close Block 4 to begin our next phase of work. The map above shows the lane shifts and street closures. Thank you for your continued support as we revitalize 4th Street.
- Block 3 (Lincoln to Cleveland Avenue)
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Weekly project update 2/9/26 - 2/15/26
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Here are the project updates for this week (2/9/26-2/15/26).
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Stormwater improvements, electric conduits and boulder art pedestal installations.
- Lane shifts and on-street parking closures on Cleveland Avenue (6th to 3rd Street). Please expect delays in this area.
- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access provided via the roadway and temporary access bridges.
- Crews are installing concrete underlayment for pavers and building headers.
- Concrete paver installations start this week.
- BNSF Railroad Avenue – Waterline Casing
- Crews will install a waterline casing beneath the BNSF railroad.
- This phase of work will require closure of:
- Railroad Avenue (east) from 4th Street north to the alley.
- 4th Street westbound between the two Railroad Avenue intersections.
- Please see map below.

Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
- Block 3 (Lincoln to Cleveland Avenue)
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Weekly project updates 2/2/26 - 2/8/26
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Here are the project updates for this week (2/2/26-2/8/26):
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicle traffic; sidewalks are open for business access.
- Fireline testing continues.
- Stormwater improvements are underway.
- Lane shifts and on-street parking closures on Cleveland Avenue (6th to 3rd Street). Please expect delays in this area.
- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access provided via the roadway and temporary access bridges.
- Crews are installing electric conduit, wiring, streetlights, and a transformer.
- Building header installation and additional sidewalk work are in progress.
- BNSF Railroad – Waterline Casing
- Crews will install a waterline casing beneath the BNSF railroad.
- This phase of work will require closure of:
- Railroad Ave (east) from 4th Street north to the alley.
- 4th Street westbound between the two Railroad Avenue intersections.
- 3rdStreet (Railroad Avenue to Cleveland)
- Commuters traveling eastbound on 3rd Street will experience a closure at Cleveland Avenue.
- The work related to this project is grant funded to include bulb out pedestrian crosswalks similar to those added last year at Lincoln Avenue and 3rd Street.
- Please see map below for upcoming travel impacts.

Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
- Block 3 (Lincoln to Cleveland Avenue)
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FOR RELEASE: Heart Improvement Plan will begin utility work on Cleveland Avenue next Monday
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Heart Improvement Plan will begin utility work on Cleveland Avenue next Monday
LOVELAND, Colo. – Jan. 23, 2026 – Weather permitting, the Heart Improvement Plan will begin utility tie-in work at the intersection of Cleveland Avenue and east 4th Street next Monday, Jan.26. To complete the necessary water and stormwater system improvements across the intersection, there will be alternating lane shifts and single-lane closures on Cleveland Avenue for approximately 12 weeks. While access will be maintained along this major corridor, travelers should expect delays.c
General working hours will be from 7 a.m. to 7 p.m., Monday through Friday with optional Saturday hours. During construction, business entrances and sidewalks remain open on 4th Street between Lincoln and Cleveland Avenues.
Below are more specific Frequently Asked Questions that may be helpful.
Why will the work on Cleveland Avenue be under construction for 12 weeks?
To complete the final water and stormwater repairs for Block 3, the project will require utility installation across the intersection. During this phase, at least one southbound travel lane on Cleveland will remain open to maintain traffic flow. Utility installation must happen in a set order to prioritize the deepest utility first —starting with water lines, then moving to storm. As these improvements are made, lanes will shift from east to west to accommodate the construction zones. Before construction begins, “No Park” signs will be placed between east 3rd Street and 4th Streets.
Cleveland utility construction map beginning on Monday, Jan. 26.When will the work at Cleveland Avenue and 4th Street be completed?
We anticipate this work to be completed by late spring of 2026, weather permitting.
What are the recommended detour routes during the Cleveland Avenue and 4th Street work?
Motorists are encouraged to use east 7th Street, east 1st Street, Washington and Lincoln Avenues. Commuters should plan their routes accordingly and expect delays. The traveling public may also reference the City of Loveland’s downtown map at lovgov.org/DowntownParking to find free, available parking throughout construction.
What’s the status for completing the remaining three blocks?
Block 3 construction is expected to be completed in late summer, and Block 5 construction is anticipated to be completed in March 2026. Block 4 construction will begin in February.
What construction activity will take place on 3rd Street and Railroad Avenue?
3rd Street
The City of Loveland has scheduled the installation of new crosswalks at 3rd Street and Cleveland Avenue to coincide with utility work along Cleveland Avenue. Coordinating construction at both locations improves project efficiency and helps minimize traffic impacts for commuters. Construction of the crosswalks at 3rd Street are expected to take approximately four weeks and is scheduled to begin in early March.
Railroad Avenue
One of the most deteriorated areas of sidewalk, roadway, and underground utility infrastructure within the 4th Street Revitalization Project is located near the railroad, between west Railroad Avenue and east Railroad Avenue. To complete these improvements, various lane shifts and full intersection closures will be necessary throughout the construction period.
In addition, coordinating work alongside the Burlington Northern Santa Fe (BNSF) Railway introduces added complexity, including additional permitting requirements and coordination with a federal partner. Construction in the Railroad Avenue area is scheduled to begin in early February and is expected to be completed in March. Commuters are encouraged to stay alert to construction and detour signage to safely navigate the area.
Is the project on schedule?
Due to favorable weather in late December and early January, the project has progressed ahead of schedule and key milestones have been met. The project is currently one week ahead; however, significant snowfall could impact future work activities. The Heart Improvement Plan's 4th Street Revitalization Project should be substantially completed by the 2026 holiday season.
How to support the Heart Improvement Plan’s 4th Street revitalization project?
As construction progresses along 4th Street, the City of Loveland and Loveland Downtown Development Authority are dedicated to providing comprehensive support to downtown businesses during construction. To help business owners effectively communicate with customers about key details such as construction schedules, road closures, parking options, and project outcomes, a Downtown Loveland Business Owner’s Toolkit has been developed. This toolkit includes customizable Canva templates for social media, print signage, parking maps, and FAQs, along with communication tips to help businesses share important updates with customers throughout the construction process. Downtown business owners are encouraged to visit downtownloveland.org/heart-improvement-plan to access this toolkit.
How to stay in the loop?
Additional project details including construction phasing maps, images and other project updates, can be found at lovgov.org/HIPStreets. To stay informed throughout construction, stakeholders can sign up for the Heart Improvement Plan project newsletter at go.lovgov.org/SubscribetoHIP. For questions about this project or to contact the project team, call the Public Works Department at 970-962-2524 or email HIPStreets@CityofLoveland.org.
About
In 2009, the City of Loveland developed the conceptual plan for the Heart Improvement Plan (HIP Streets), which explored opportunities to enhance the streets within the historic core of downtown Loveland. In 2017, after gathering public input, the plan was modernized to include a thoughtful and cost-effective approach to revitalizing 19 core blocks of Downtown Loveland. The first phase of the Heart Improvement Plan – the 4th Street Revitalization – addresses the five blocks along 4th Street that extend from N. Garfield Avenue to N. Washington Avenue. The current effort has the City’s Public Works Department focused on improving 4th Street through streetscape enhancements, while the City of Loveland Water and Power Department works on upgrades to the utility infrastructure beneath the road. As this project is a significant effort, the City of Loveland and the Loveland Downtown Development Authority (DDA) have come together to finally bring this portion of the Heart Improvement Plan to fruition.
Project Funding
The Loveland City Council, with a unanimous vote, approved the Certificates of Participation (COPs) financing method providing funding for the Heart Improvement Plan’s 4th Street Revitalization project on Tuesday, Nov. 19, 2024. The project will be funded using a combination of Utility Enterprise Funds and COPs. Utility Enterprise Funds (Stormwater and Utilities) will provide $12 million of the project cost, with the remaining $12.5 million funded by COPs. The total estimated program cost for the project is $24.5 million. No General Funds will be utilized or allocated to construct this project.
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CONTACTS: Illianna Milldrum, City of Loveland, Communication & Engagement Specialist
970-962-2608, Illianna.Milldrum@cityofloveland.orgAbby Powell, Downtown Development Authority, Assistant Director
970-541-0605, apowell@lovelandpartnership.org -
Weekly project updates 1/26/26-2/1/26
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Here are the project updates for this week (1/26/26-2/1/26).
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicles; sidewalks are open for business access.
- Fireline testing, fire hydrant and valve installations in progress.
- Stormwater improvements start this week.
- Lane shifts and on-street parking closures on Cleveland Avenue (6th Street to 3rd Street).

- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; pedestrian access provided via roadway and temporary bridges.
- Building header installation and additional sidewalk work in progress.
- Street light setup is underway.
Weather permitting, work activities are Monday-Friday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
- Block 3 (Lincoln to Cleveland Avenue)
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Weekly project updates 1/19/26 - 1/25/26
Share Weekly project updates 1/19/26 - 1/25/26 on Facebook Share Weekly project updates 1/19/26 - 1/25/26 on Twitter Share Weekly project updates 1/19/26 - 1/25/26 on Linkedin Email Weekly project updates 1/19/26 - 1/25/26 linkHello, Loveland!
Here are the project updates for this week (1/12/26-1/18/26).
- City offices are closed Monday, Jan.19, but crews will be working.
- Block 3 (Lincoln to Cleveland Avenue)
- Block remains closed to vehicles; sidewalks are open for business access.
- Replacement of fire hydrants, meters and fire lines continues.
- Block 5 (Garfield to Railroad Avenue)
- Block remains closed to vehicles; sidewalks are open for business access.
- Crews are installing streetlights and seat walls.
- Building header installation and sidewalk replacements are underway.
Weather permitting, work activities are Monday-Saturday, 7:00 a.m. – 7:00 p.m. Please contact us with any questions at HipStreets@cityofloveland.org or 970-962-2524.
Thank you for your continued support as we revitalize 4th Street!
Stay Informed (Custom)
Project Timeline
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Design
Heart Improvement Plan (HIP Streets) has finished this stageSummer 2023 – Fall 2024
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Construction Start
Heart Improvement Plan (HIP Streets) is currently at this stageFebruary 24, 2025 - February 2026
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Finish
this is an upcoming stage for Heart Improvement Plan (HIP Streets)November 2026
FAQs
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Trees
- What are the main reasons the project chose to remove the existing trees instead of incorporating them into the new design?
- What are the varieties of the new trees and why were they chosen for this project?
- What are the variety of plants/bushes/grasses and why were they chosen?
- Are any of the varieties of trees / plants native to Colorado?
- What's the tree growth rate and what's the approximate size of trees that will be planted?
- How will the new irrigation system be installed and what will the water requirements to keep the new garden beds alive?
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General
- HIP Streets is a project that has been discussed for many years. What triggered the launch of the 4th Street portion of the project?
- What is happening to the plaza at the former Mr. Neats?
- How is the project being funded?
- What are some of the major street and sidewalk changes that have been considered for the corridor?
- What is the plan for the pocket park at 4th and Lincoln?
- How will artwork, both existing and new, be incorporated into the final project?
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Parking
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Bike Access
Videos
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Click here to play video
Heart Improvement Plan: Century-old waterline pipe gets upgrade at Railroad Avenue and 4th Street
In February 2026, City of Loveland Utilities replaced a century-old, 10-inch, cast-iron water pipe beneath the tracks at Railroad and 4th with a new 12-inch PVC pipe, set within a larger steel casing for protection. The older pipe, buried a mere four feet below and across the railway tracks, has supplied water to the residents and businesses of Fourth Street since 1924—from serving a population of around 5,600 to 85,000 people today. The construction is part of an ambitious downtown renovation project called the 4th Street Revitalization Project, the first phase of the comprehensive Heart Improvement Plan (HIP Streets) that centers on upgrading and improving deteriorating infrastructure such as utilities, roads and sidewalks in the “heart” of downtown Loveland.
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Click here to play video
Heart Improvement Plan - Downtown Parking
Navigating downtown Loveland during construction? We’ve got you covered.
If you’re looking to access 4th Street in between Lincoln and Cleveland, the Foundry Parking Garage is a great parking option, offering quick and convenient access with a pass-through via the Rialto Bridge Project, available Monday–Friday from 6 a.m. to 9 p.m.
Downtown businesses remain open and ready to welcome you. Come support your favorite downtown Loveland establishments and check out the improvements!
For additional parking options and easy-to-follow parking maps, visit our website, lovgov.org/HIPStreets.
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Click here to play video
Heart Improvement Plan | 4th Street Revitalization: Construction Update - September 2025
The Heart Improvement Plan began its first phase in February 2025, replacing aging utility infrastructure and launching 4th Street’s revitalization. The project started on the east end of 4th Street with Block 1 (Washington to Jefferson Avenues) and Block 2 (Jefferson to Lincoln Avenues). Groundbreaking of Block 5 (Railroad to Garfield Avenues) followed in mid-May.
✅ The underground utilities that have been replaced in the first two blocks are the existing 100+ year old water line, all of the storm sewer infrastructure, new electrical conduits for street lights, event power, communications and traffic.
✅ New concrete curbs and planters have been poured in Blocks 1 and 2. Sandstone seat-walls and art plinths have been placed along the street for sculptures provided by Art in Public Places (four per block).
✅ All utilities including water, storm sewer, electric and communications have been run across the 4th Street and Lincoln Avenue intersection, and a new transformer is being placed at the northeast corner to supply the new lighting and power along 4th Street.
✅ Concrete paving of the road in the first two blocks has started. Crews have shifted to Phase 1B on Block 1, which focuses on the sidewalk and street-scaping portion of the project.
✅ Water and stormwater work have been completed in Block 5. Electrical lines and conduit are currently being installed for streetlights, event power, communications and traffic.
✅ In Block 5, stone seat walls and art plinths will soon be placed. Crews will then move to curbs, planters, and concrete paving.
Stay informed with project details, maps, and subscribe to the project newsletter at: lovgov.org/HIPStreets.
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Click here to play video
Heart Improvement Plan | 4th Street Revitalization's Groundbreaking
On Wednesday, February 26, the City of Loveland and the Loveland Downtown Development Authority took a step toward investing in downtown Loveland with a groundbreaking of the 4th Street Revitalization Project— the first piece of part of the Heart Improvement Plan (HIP Streets). As a whole, HIP Streets has been discussed for decades, where the project's focus is updating critical underground infrastructure for reliability and safety, addressing ADA accommodations, and cultivating a more pedestrian-friendly atmosphere to bring more visitors and businesses downtown.
Speakers included the City of Loveland's Mayor Jacki Marsh, Mayor Pro Tem Jon Mallo, City Engineer Nicole Hahn, City Water Engineer Donald Cecil and DDA Executive Director Sean Hawkins. The event welcomed partners, downtown businesses, current and previous City staff, and others who helped bring this vision to life.
As construction progresses, stay in the loop by visiting lovgov.org/HIPStreets.
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Click here to play video
Heart Improvement Plan | 4th Street Revitalization Project: Project Overview
The Heart Improvement Plan | 4th Street Revitalization project welcomes the community in on a more in-depth view of the improvements coming to downtown Loveland. The project aims to bring new utility infrastructure and streetscape enhancements to transform downtown Loveland into a vibrant gathering space that fosters business vitality. ✨
Before construction begins, the project team sat down with the Loveland Downtown Development Authority, local business owners along 4th Street and City staff to share about the upcoming improvements and what the project will bring to our beloved downtown. The project will begin construction on Monday, Feb. 24. Although Lincoln to Garfield Avenue will be under construction, pedestrian accesses and business entrances will always be maintained. We welcome the community to come downtown and check out the progress!
Documents
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Notices
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2025-10-10_Washington Avenue and 4th Street Southbound Closure (2.81 MB) (pdf)
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2025-04-21_DirectMailer_RESIDENT_FINAL.pdf (574 KB) (pdf)
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2025-01-06_Door to Door Letter_HipStreets_TO MAIL (427 KB) (pdf)
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2025-01-02_Notice of Work_XcelEnergy_4th_Lincoln to Jefferson (880 KB) (pdf)
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Notice of Work - November 2024 Striping_FINAL (321 KB) (pdf)
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Project Newsletters
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Funding
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Letters of Support
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Letter of Support Chamber of Commerce HIP (51.7 KB) (pdf)
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Historic Preservation Commission Letter of Support (666 KB) (pdf)
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Transportation Advisory Board Letter of Support (663 KB) (pdf)
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Citizens_ Finance Advisory Commission Resolution of Support (638 KB) (pdf)
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VAC letter of support_DDA 10162024 (2.27 MB) (docx)
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City Council Meetings
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AIR-102611 - Feb. 4, 2025 (178 KB) (pdf)
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Ordinance - Feb. 4, 2025 (128 KB) (pdf)
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AIR-102564 - Nov. 14, 2024 (180 KB) (pdf)
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Ordinance - Nov. 14, 2024 (227 KB) (pdf)
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Att 2 Preliminary Offering Statement-compressed (943 KB) (pdf)
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Att 3 Certificate Purchase Agreement (1.04 MB) (pdf)
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Att 4 Trust Indenture (1.25 MB) (pdf)
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Att 5 Site and Improvement Lease Agreement (832 KB) (pdf)
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Att 6 Lease Purchase Agreement (1.12 MB) (pdf)
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Att 7 Cooperation Agreement between the City _ the DDA (731 KB) (pdf)
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Att 8 Continuing Disclosure Certificate (756 KB) (pdf)
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Presentations
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Parking
Who's Listening
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Phone 970-962-2558 Email michelle.aschenbrenner@cityofloveland.org -
Phone 970-962-3702 Email donald.cecil@cityofloveland.org -
Phone 970-699-2856 Email SHawkins@lovelandpartnership.org -
Phone 970-541-0605 Email apowell@lovelandpartnership.org -
Phone 970-962-2608 Email illianna.milldrum@cityofloveland.org
Events and Meetings on This Topic
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March 09 2026
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February 26 2025
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February 18 2025
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February 04 2025
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December 03 2024
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November 19 2024
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November 13 2024
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September 24 2024
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September 17 2024
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January 23 2024
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December 12 2023
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September 21 2023
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September 12 2023
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August 23 2023
















