Hamilton County property record for 1340 Observatory Dr, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,099 sqft · built 1923 |
| Lot Size | 0.286 acres (12,458 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,395,000 (Jul 2026) |
| Tax Bill | $21,188 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0002-0003-00 |
| Primary APN | 043-0002-0003-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,099 sqft Living Area |
| Gross Area | 4,729 sqft |
| 1st Floor Area | 1,630 sqft |
| 2nd Floor Area | 1,469 sqft |
| Basement Area | 1,630 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,458 sqft (0.286 acres) |
| Lot Dimensions | 152 ft deep x 85 ft wide |
| Garage Type | Detached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 656 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 1340 OBSERVATORY DR |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | 1340 OBSERVATORY DR 85 X 152.23 IRR LOT 16 OBSERVATORY DR SUB |
| Legal Subdivision | OBSERVATORY DR SUB |
| Legal Lot Number | 16 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 4800 |
Source: Hamilton County records, as of August 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 | 2160 SUPERIOR AVE, CLEVELAND, OH 44114-2102 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jul 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Aug 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Dec 2, 2020 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on Record |
| Deed Sale | Jul 8, 2026 · Amount on Record |
| Prior Sale | Sep 19, 2024 · Amount on Record |
| Deed Document Number | 202654768 |
| Deed Book / Page | 15702 / 1247 |
| Prior Transfer Date | Jun 23, 2026 |
| Prior Transfer Doc | 0000054768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 8, 2026 |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000054768 |
| Book / Page | 15702 / 1247 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202654768 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $281,790.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Document Number | 0000054769, |
|---|---|
| Date | Jul 8, 2026 |
| Instrument | 202654769 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000073268 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 15505/2087 |
| Instrument | 2025-0073268 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000073269 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 15505/2096 |
| Instrument | 2025-0073269 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 9, 2026 |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000055153 |
| Book / Page | 15703 / 1400 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 202655153 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2026 |
| Title Company | PROMINENT TITLE LLC, PROMINENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000055153, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 15703/1400 |
| Instrument | 202655153 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000063917 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 13973/01568 |
| Instrument | 2019-0063917 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.67% |
| Type Change Date | Nov 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.67% |
| Index | 1-Year LIBOR |
| Max Rate | 8.67% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1340 OBSERVATORY DR, CINCINNATI, OH 45208-2504 |
| Document Number | 0000125960 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 14306/1591 |
| Instrument | 2020-0125960 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $21,188.00 (-1.8%) | $344,355 (-) Land $120,918 Building $223,437 | $983,870 (-) Land $345,480 Building $638,390 |
| 2024 | $21,577.00 (+2.7%) | $344,355 (-) Land $120,918 Building $223,437 | |
| 2023 | $21,010.00 (-0.13%) | $344,355 (+11.32%) Land $120,918 Building $223,437 | $983,870 (+11.32%) Land $345,480 Building $638,390 |
| 2022 | $21,037.00 Homeowner's exemption | $309,348 Land $88,277 Building $221,071 | |
| 2020 | $883,850 Land $252,220 Building $631,630 |
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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