CACHE IS NOT AT THE LIST COORDINATES. There is no reason to go there.
The City of Loveland has hearts throughout it. This is the first of a series of caches that will focus on those hearts. This one will include hearts in the eastern (east of Boise Ave) portion of Loveland. To find the final location you will need to locate the 7 hearts pictured and determine their lat-long coordinates. Once you have all seven coordinates you will use the tenth decimal in the latitude minutes to calculate the final location. So, in the coordinates N40 24.624 W105 08.125 you would use the number "6".
Heart A- N40 24.Ayy W105 00.yyy A=
Heart B- N40 24.Byy W104 59.yyy B=
Heart C- N40 24.Cyy W105 00.yyy C=
Heart D- N40 24.Dyy W105 03.yyy D= DUE TO CONSTRUCTION THIS HEART HAS BEEN MOVED SOMEWHAT. VALUE NEEDED IS 7.
Heart E- N40 24.Eyy W104 59.yyy E= (Note: if the E coordinate you get is E9x round up to the next tenth.
Heart F- N40 24.Fyy W104 59.yyy F=
Heart G- N40 24.Gyy W105 00.yyy G=
S= A
T= A+E
U= B
V= B-C
W= F
X=D-G
Y= E
Z= B-A
N40 2S.TUV W104 5W.XYZ
The difficulty rating is based on the time to find all these hearts. There is a map that will make the task somewhat easier if you can locate it. The hints may also make the task easier.
BONUS Heart at N40 23.573 W105 02.946 if you want to go look. It is not part of the puzzle because I think that it is at someone's home and so would be difficult to get coordinates for.
I borrowed the idea for this cache from caches in Fort Collins by Denali41.