I don't really know, if I could help, but here's my two cents:

First of all, do you think she notices that you love her...no, that you're IN love? It might be obvious and she might even know already(and that expalins why she's proposing to share the apt. or whatever)(like why would she wanna share it with you, would she be comfortable with having you around there all the time, if she's with her bf, for instance?)...on the other hand, she might not notice anything big time.
I don't really know whether it'd be better if you told her now, then rather leave it for later...but one thing i know for sure...things like that shouldn't be talked over the phone...to tell someone bout your feeling you have to see that person face-to-face, maybe you wouldn't even have to say anything in the first place...just kiss her. Anything would do- a meaningful gaze, a tender touch...and then, you might wait for the reaction and if she's Ok with that, then you can tell her...and who knows, maybe she feels that same way about you...

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