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Ouch. You're not alone in wanting to find a home on acreage in the $300K price range - close to town, schools, shopping, etc.
Unfortunately, a home in that price range with acreage is very hard to find. There are rural subdivisions that have custom homes on 2+ acres, but you are looking at homes that will be priced above $500K. The only homes that I have seen from time to time that are in the $300K price range are modulars that have been put on a foundation.
Fort Collins and Loveland both abut the foothills, so going west and up will usually not bring the price down.
You might find that one home in hundreds that meets your requirements, and I hope that you do, but I wouldn't hold my breath. Lots of homes for sale in the $300K price range, but they are on much smaller lots.
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