Hamilton County property record for 2448 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,342 sqft · built 1895 |
| Lot Size | 0.496 acres (21,606 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $548,935 (Sep 2010) |
| Tax Bill | $20,183 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan May 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-0001-0089-00 |
| Primary APN | 042-0001-0089-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,342 sqft Living Area |
| Gross Area | 6,086 sqft |
| 1st Floor Area | 1,793 sqft |
| 2nd Floor Area | 1,722 sqft |
| Attic | Attic |
| Attic Area | 827 sqft |
| Basement Area | 1,744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 21,606 sqft (0.496 acres) |
| Lot Dimensions | 275 ft deep x 88 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 653 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2448 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF20 |
| Legal Description | 2448 OBSERVATORY AV 87.50 X 275 IRR-PT LOT 8 J FERRIS EST SUB PARS 89-90 CONS |
| Legal Subdivision | FERRIS EST SUB |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 5000 |
Source: Hamilton County records, as of July 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK |
| May 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SIDE FEDERAL S & L ASSN |
| Dec 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| May 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2010 · Amount on Record |
| Deed Sale | Sep 3, 2010 · Amount on Record |
| Prior Sale | Jun 5, 2001 · Amount on Record |
| Deed Document Number | 2010103143 |
| Deed Book / Page | 11522 / 2318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 30, 2026 |
| Property Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Document Number | 0000052647 |
| Book / Page | 15697 / 359 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202652647 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Document Number | 0000052647, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 15697/359 |
| Instrument | 202652647 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002782 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 17-0042782 |
| Name | NORTH SIDE FEDERAL S & L ASSN |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | AGILITY CLOSING & TITLE SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000114746 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 14072/01157 |
| Instrument | 2019-0114746 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.57% |
| Type Change Date | Jan 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.57% |
| Index | 1-Year LIBOR |
| Max Rate | 8.57% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2448 OBSERVATORY AVE, CINCINNATI, OH 45208-1211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000064882 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 14425/1996 |
| Instrument | 2021-0064882 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.07% |
| Index | Other |
| Max Rate | 7.07% |
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 | $20,183.00 (+3.11%) | $327,965 (+%) Land $145,177 Building $182,788 | $937,040 (-) Land $414,790 Building $522,250 |
| 2024 | $19,575.00 (-2.19%) | $327,963 (-) Land $145,176 Building $182,787 | |
| 2023 | $20,014.00 (+2.71%) | $327,963 (+14.49%) Land $145,176 Building $182,787 | $937,040 (+14.49%) Land $414,790 Building $522,250 |
| 2022 | $19,485.00 Homeowner's exemption | $286,462 Land $105,977 Building $180,485 | |
| 2020 | $818,460 Land $302,790 Building $515,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 22, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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 352 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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