Hamilton County property record for 1314 Observatory Dr, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,011 sqft · built 1926 |
| Lot Size | 0.354 acres (15,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (Feb 2011) |
| Tax Bill | $20,642 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0002-0006-00 |
| Primary APN | 043-0002-0006-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,011 sqft Living Area |
| Gross Area | 4,472 sqft |
| 1st Floor Area | 1,421 sqft |
| 2nd Floor Area | 1,074 sqft |
| Attic | Attic |
| Attic Area | 516 sqft |
| Basement Area | 1,461 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 15,420 sqft (0.354 acres) |
| Lot Dimensions | 138 ft deep x 48 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 1314 OBSERVATORY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | 1314 OBSERVATORY DR 107 X 137.96 IRR PT LOTS 13-14 OBSERVATORYDR SUB |
| Legal Subdivision | OBSERVATORYDR SUB |
| Legal Lot Number | 13-14 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 4800 |
Source: Hamilton County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1314 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Feb 1, 2017 | Trustee's Deed, Construction Loan · Line of Credit UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2011 · Amount on Record |
| Deed Sale | Feb 14, 2011 · Amount on Record |
| Prior Sale | Jan 13, 2003 · Amount on Record |
| Deed Document Number | 201120731 |
| Deed Book / Page | 11652 / 1937 |
| Prior Transfer Date | Oct 16, 2008 |
| Prior Transfer Doc | 0000000183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1314 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000035959 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 14379/3641 |
| Instrument | 2021-0035959 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 1, 2017 |
| Property Address | 1314 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Book / Page | 013345 / 001809 |
| Instrument Date | Dec 6, 2016 |
| Instrument | 10247 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1314 OBSERVATORY DR CINCINNATI OH 452082504, CINCINNATI, OH 45208-2504 |
| Document Number | 0000010247 |
|---|---|
| Date | Feb 1, 2017 |
| Book Page | 013345/001809 |
| Instrument | 10247 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,642.00 (+3.14%) | $335,752 (-) Land $187,103 Building $148,649 | $959,290 (-) Land $534,580 Building $424,710 |
| 2024 | $20,014.00 (-2.21%) | $335,752 (-) Land $187,103 Building $148,649 | |
| 2023 | $20,467.00 (+5.12%) | $335,752 (+17.18%) Land $187,103 Building $148,649 | $959,290 (+17.18%) Land $534,580 Building $424,710 |
| 2022 | $19,471.00 Homeowner's exemption | $286,517 Land $136,528 Building $149,989 | |
| 2020 | $818,620 Land $390,080 Building $428,540 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 663 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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