Hamilton County property record for 2486 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,713 sqft · built 1903 |
| Lot Size | 0.208 acres (9,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,200,000 (Aug 2026) |
| Tax Bill | $15,210 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jul 2024 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-0001-0094-00 |
| Primary APN | 042-0001-0094-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,713 sqft Living Area |
| Gross Area | 3,931 sqft |
| 1st Floor Area | 1,242 sqft |
| 2nd Floor Area | 1,089 sqft |
| Attic | Attic |
| Attic Area | 382 sqft |
| Basement Area | 1,218 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,060 sqft (0.208 acres) |
| Lot Dimensions | 175 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | Deck Area |
| Patio Area | 351 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2486 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-1262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 2486 OBSERVATORY AVE 50 X 175 PT LOT 8 J FERRIS EST NS OBSERVATORY182.37 FT W OF BERRY |
| Legal Subdivision | FERRIS EST |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 5000 |
2486 Observatory Ave is owned and occupied by two individuals who bought it in August 2026.
Source: Hamilton County records, as of September 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Jul 26, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CF BANK |
| Sep 22, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Aug 16, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 13, 2022 | Transfer on Death Deed, Transfer |
| Oct 12, 2022 | Intrafamily Transfer, Transfer |
| Jun 26, 2020 | Grant Deed, Transfer · Line of Credit GUARANTEED RATE |
| Jun 26, 2020 | Affidavit of Death, Transfer AMERICAN HOMELAND TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Prior Sale | Jun 26, 2020 · Amount on File |
| Deed Document Number | 202662746 |
| Deed Book / Page | 15720 / 2457 |
| Prior Transfer Date | Aug 11, 2023 |
| Prior Transfer Doc | 0000057572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 3, 2026 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000062746 |
| Book / Page | 15720 / 2457 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 202662746 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $242,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000062747, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202662747 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000051611 |
|---|---|
| Date | Jul 26, 2024 |
| Book Page | 15216/49 |
| Instrument | 2024-0051611 |
| Name | CF BANK |
|---|---|
| Type | Bank |
| Address | WESTERVILLE, OH 43081 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 12, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI |
| Name | Verified Name |
|---|---|
| Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000114520 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 14507/3304 |
| Instrument | 2021-0114520 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Aug 16, 2023 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000057572 |
| Book / Page | 14980 / 297 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 2023-0057572 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 13, 2022 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000097004 |
| Book / Page | 14772 / 1294 |
| Instrument Date | Oct 12, 2022 |
| Instrument | 2022-0097004 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 12, 2022 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000096598 |
| Book / Page | 14771 / 1288 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 2022-0096598 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 341 ISLANDVIEW PT, 341, SHARPS CHAPEL, TN 37866-1781 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 26, 2020 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000061410 |
| Book / Page | 014198 / 002617 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 61410 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2486 OBSERVATORY AVE CINCINNATI OH 452081262, CINCINNATI, OH 45208-1262 |
| Document Number | 61415 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 014198/002632 |
| Instrument | 61415 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 26, 2020 |
| Property Address | 2486 OBSERVATORY AVE, CINCINNATI, OH 45208-1262 |
| Document Number | 0000061409 |
| Book / Page | 014198 / 002614 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 61409 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2486 OBSERVATORY AVE CINCINNATI OH 452081262, CINCINNATI, OH 45208-1262 |
The 2025 property tax bill for 2486 Observatory Ave was $15,210, up 0.1% from the year before.
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 | $15,210.00 (+0.14%) | $240,139 (-) Land $96,810 Building $143,329 | $686,110 Land $276,600 Building $409,510 |
| 2024 | $15,188.00 (+3.65%) | $240,139 (-) Land $96,810 Building $143,329 | |
| 2023 | $14,653.00 (+7.04%) | $240,139 (+19.32%) Land $96,810 Building $143,329 | $686,110 Land $276,600 Building $409,510 |
| 2022 | $13,689.00 Homeowner's exemption | $201,250 Land $70,700 Building $130,550 | |
| 2020 | $575,000 Land $202,000 Building $373,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2486 Observatory Ave in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 2486 Observatory Ave is low, with less than a 0.01% annual chance of wildfire.
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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