2544 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2544 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,614 sqft · built 1905
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$980,000 (Jul 2021)
Tax Bill	$21,110 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-0006-0087-00`

Property Details

APN / Parcel Number

Primary APN	`041-0006-0087-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,614 sqft Living Area
1st Floor Area	2,016 sqft
2nd Floor Area	1,765 sqft
Attic	Attic
Attic Area	833 sqft
Basement Area	1,860 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	330 sqft
Patio Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2544 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2544 OBSERVATORY RD 100 X150 PT LOTS 87-88-89 HYDEPARK SUB PRS87-88-89 CONS
Legal Subdivision	HYDE PARK SUB
Legal Lot Number	87-88-8 88
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4007
Census Tract	5000

Owner

2544 Observatory Ave is owned and occupied by an individual who bought it in July 2021.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2544 OBSERVATORY AVE, CINCINNATI, OH 45208-2034
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Nov 12, 2013 · Amount on File
Deed Document Number	0000080326
Deed Book / Page	14450 / 2290
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 1, 2021
Property Address	2544 OBSERVATORY AVE, CINCINNATI, OH 45208-2034
Document Number	0000080326
Book / Page	14450 / 2290
Map Reference	MB 11 PG 53
Instrument Date	Jun 28, 2021
Instrument	2021-0080326
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2544 OBSERVATORY AVE, CINCINNATI, OH 45208-2034

Mortgage

Document Number	0000080327
Date	Jul 1, 2021
Instrument	2021-0080327

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Jul 1, 2036
Change Frequency	Annually
Min Rate At Change	2.99%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	6.99%

Tax Assessment & Valuation

The 2025 property tax bill for 2544 Observatory Ave was $21,110, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21,110.00 (+3.11%)	$343,000 (+%) Land $135,712 Building $207,288
2024	$20,473.00 (-2.2%)	$342,999 (-) Land $135,712 Building $207,287
2023	$20,933.00 (+17.13%)	$342,999 (+30.6%) Land $135,712 Building $207,287	$980,000 Land $387,750 Building $592,250
2022	$17,871.00 Homeowner's exemption	$262,637 Land $99,064 Building $163,573
2020			$750,390 Land $283,040 Building $467,350

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.

Flood

FEMA maps place 2544 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

The area around 2544 Observatory Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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