Hamilton County property record for 2815 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,870 sqft · built 1908 |
| Lot Size | 0.176 acres (7,710 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $520,000 (May 2023) |
| Tax Bill | $10,094 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0003-0042-00 |
| Primary APN | 046-0003-0042-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,870 sqft Living Area |
| 1st Floor Area | 762 sqft |
| 2nd Floor Area | 762 sqft |
| Attic | Attic |
| Attic Area | 346 sqft |
| Basement Area | 762 sqft |
| Finished Basement | 570 sqft |
| Year Built | Built 1908 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,710 sqft (0.176 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 218 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2815 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2815 OBSERVATORY RD 50 X 150 LOT 20 MONTEITH PAR 42-82 |
| Legal Subdivision | MONTEITH |
| Legal Lot Number | 20 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4900 |
Source: Hamilton County records, as of February 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2815 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2023 · Amount on Record |
| Deed Sale | May 25, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2021 · Amount on Record |
| Deed Document Number | 0000035414 |
| Deed Book / Page | 14924 / 1718 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 25, 2023 |
| Property Address | 2815 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000035414 |
| Book / Page | 14924 / 1718 |
| Map Reference | MB 15 PG 88 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 2023-0035414 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Title Company | LANDSEL TITLE, LANDSEL TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2815 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000035415 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 2023-0035415 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 13, 2021 |
| Property Address | 2815 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000085182 |
| Book / Page | 14457 / 3571 |
| Map Reference | MB 15 PG 88 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021-0085182 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,405.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2815 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000085183 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2021-0085183 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.12% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.12% |
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 | $10,094.00 (+3.11%) | $163,975 (-) Land $90,475 Building $73,500 | |
| 2024 | $9,790.00 (-2.19%) | $163,975 (-) Land $90,475 Building $73,500 | |
| 2023 | $10,009.00 (+19.28%) | $163,975 (+32.99%) Land $90,475 Building $73,500 | $468,500 (+32.99%) Land $258,500 Building $210,000 |
| 2022 | $8,391.00 Homeowner's exemption | $123,299 Land $66,077 Building $57,222 | |
| 2020 | $352,280 Land $188,790 Building $163,490 |
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.
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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