Hamilton County property record for 2811 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,381 sqft · built 1910 |
| Lot Size | 0.176 acres (7,667 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $281,000 (Feb 2006) |
| Tax Bill | $9,422 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0003-0041-00 |
| Primary APN | 046-0003-0041-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,381 sqft Living Area |
| Gross Area | 3,645 sqft |
| 1st Floor Area | 1,184 sqft |
| 2nd Floor Area | 1,160 sqft |
| Attic | Attic |
| Attic Area | 557 sqft |
| Basement Area | 744 sqft |
| Finished Basement | 480 sqft |
| Unfinished Basement | 264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 7,667 sqft (0.176 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2811 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 2811 OBSERVATORY AVE 50 X 150 IRR PT LOTS 18-19 MONTEITH SUB PARS 41-173 CONS |
| Legal Subdivision | MONTEITH SUB |
| Legal Lot Number | 18-19 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4900 |
Source: Hamilton County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2811 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2018 | Deed of Trust, Mortgage · ARM WATCH HILL BANK |
| Dec 11, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FORCHT BANK NA |
| Apr 22, 2021 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2006 · Amount on Record |
| Deed Sale | Feb 6, 2006 · Amount on Record |
| Prior Sale | Nov 5, 1997 · Amount on Record |
| Deed Document Number | 200619467 |
| Deed Book / Page | 10159 / 1521 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2811 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005739 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 18-0045739 |
| Name | WATCH HILL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45226 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2811 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000109730 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 14061/01578 |
| Instrument | 2019-0109730 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2811 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | AMERICAN TITLE ASSC AGCY |
| Name | Verified Name |
|---|
| Document Number | 0000050519 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 14402/1322 |
| Instrument | 2021-0050519 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
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 | $9,422.00 (+3.13%) | $249,253 (-) Land $90,475 Building $158,778 | $712,150 (-) Land $258,500 Building $453,650 |
| 2024 | $9,136.00 (-2.21%) | $249,253 (-) Land $90,475 Building $158,778 | |
| 2023 | $9,342.00 (+14.19%) | $249,253 (+16.59%) Land $90,475 Building $158,778 | $712,150 (+16.59%) Land $258,500 Building $453,650 |
| 2022 | $8,181.00 Homeowner's exemption | $213,777 Land $66,077 Building $147,700 | |
| 2020 | $610,790 Land $188,790 Building $422,000 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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