2635 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2635 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 2,208 sqft · built 1914
Lot Size	0.082 acres (3,554 sqft)
Owner	2 Individual Names on File
Last Sale	$371,500 (Aug 2026)
Tax Bill	$7,538 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-0008-0069-00`

Property Details

APN / Parcel Number

Primary APN	`046-0008-0069-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	894 sqft
2nd Floor Area	894 sqft
Attic	Attic
Attic Area	420 sqft
Basement Area	894 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	3,554 sqft (0.082 acres)
Lot Dimensions	98.8 ft deep x 134 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	Deck Area
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	2635 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2012
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	SF6
Legal Description	SE CORNER OF EASTSIDE AVE& OBSERVATORY AVE0.0816 AC R2 T4 S32PT OF LOT 4 NILES PARK SUB 98.80 NW PT LOT 4 MILES PK SUB
Legal Subdivision	NILES PARK SUB
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3005
Census Tract	4900

Owner

2635 Observatory Ave, a residential property, 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	2635 OBSERVATORY AVE, CINCINNATI, OH 45208-2012
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Aug 1, 2006 · Amount on File
Deed Document Number	202663786
Deed Book / Page	15722 / 2477
Prior Transfer Date	Nov 9, 2011
Prior Transfer Doc	0000000151
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 5, 2026
Property Address	2635 OBSERVATORY AVE, CINCINNATI, OH 45208-2012
Document Number	0000063786
Book / Page	15722 / 2477
Instrument Date	Jul 31, 2026
Instrument	202663786
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	ACS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,043.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	2635 OBSERVATORY AVE, CINCINNATI, OH 45208-2012

Mortgage

Document Number	0000063787,
Date	Aug 5, 2026
Instrument	202663787

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2635 Observatory Ave was $7,538, down 2.6% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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	$7,538.00 (-2.65%)	$120,999 (-) Land $53,417 Building $67,582	$345,710 Land $152,620 Building $193,090
2024	$7,743.00 (+3.32%)	$120,999 (-) Land $53,417 Building $67,582
2023	$7,494.00 (+0.93%)	$120,999 (+18.25%) Land $53,417 Building $67,582	$345,710 Land $152,620 Building $193,090
2022	$7,425.00 Homeowner's exemption	$102,326 Land $39,011 Building $63,315
2020			$292,360 Land $111,460 Building $180,900

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 2635 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1989.

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	9 in force
Nearby Flood Claims	6 (1989–2026)
Claims Outside the SFHA	6 of 6
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.

Wildfire

Wildfire risk around 2635 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 98% of the US · lower than 90% 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.

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