Hamilton County property record for 2805 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,240 sqft · built 1918 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $487,000 (Nov 2025) |
| Tax Bill | $9,208 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Sep 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0003-0040-00 |
| Primary APN | 046-0003-0040-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| 2nd Floor Area | 1,088 sqft |
| Attic | Attic |
| Attic Area | 754 sqft |
| Basement Area | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 4,400 sqft (0.101 acres) |
| Lot Dimensions | 104 ft deep x 215 ft wide |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2805 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2805 OBSERVATORY AVE 83.46 X 104 IRR PT LOT 18 MONTEITH SUB |
| Legal Subdivision | MONTEITH SUB |
| Legal Lot Number | 18 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4900 |
2805 Observatory Ave is owned and occupied by an individual who bought it in November 2025.
Source: Hamilton County records, as of February 9, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 20, 2023 | Transfer on Death Deed, Transfer |
| Jan 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage CINCINNATI FSLA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2025 · Amount on File |
| Deed Sale | Nov 3, 2025 · Amount on File |
| Prior Sale | Jan 10, 2023 · Amount on File |
| Deed Document Number | 0000085573 |
| Deed Book / Page | 15535 / 2137 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 3, 2025 |
| Property Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000085573 |
| Book / Page | 15535 / 2137 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025-0085573 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $487.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000085574 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 2025-0085574 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 20, 2023 |
| Property Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000066960 |
| Book / Page | 15004 / 970 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 2023-0066960 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 10, 2023 |
| Property Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000001827 |
| Book / Page | 14829 / 163 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 2023-0001827 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2023 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2805 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000001828 |
|---|---|
| Date | Jan 10, 2023 |
| Instrument | 2023-0001828 |
| Name | CINCINNATI FSLA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 2805 Observatory Ave was $9,208, up 3.1% from the year before.
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $9,208.00 (+3.11%) | $148,750 (+%) Land $64,599 Building $84,151 | |
| 2024 | $8,930.00 (-2.2%) | $148,749 (-) Land $64,599 Building $84,150 | |
| 2023 | $9,131.00 (+22.66%) | $148,749 (+36.98%) Land $64,599 Building $84,150 | $425,000 Land $184,570 Building $240,430 |
| 2022 | $7,444.00 Homeowner's exemption | $108,595 Land $47,177 Building $61,418 | |
| 2020 | $310,270 Land $134,790 Building $175,480 |
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.
FEMA maps place 2805 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.
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 | 4 in force |
| Nearby Flood Claims | 7 (1978–2026) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 2805 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.
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 686 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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