Hamilton County property record for 2822 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,931 sqft · built 1911 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,444 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jan 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-0006-0045-00 |
| Primary APN | 040-0006-0045-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,931 sqft Living Area |
| 1st Floor Area | 786 sqft |
| 2nd Floor Area | 768 sqft |
| Attic | Attic |
| Attic Area | 377 sqft |
| Basement Area | 786 sqft |
| Year Built | Built 1911 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,532 sqft (0.126 acres) |
| Lot Dimensions | 125 ft deep x 176 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2822 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2822 OBSERVATORY AVE 50.09 X 125 IRR LOT 1 HENRY CORDES SUB |
| Legal Subdivision | HENRY CORDES SUB |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 5000 |
2822 Observatory Ave is owned and occupied by an individual who acquired it in March 1985.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jan 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Jan 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Oct 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 1985 |
| Deed Sale | Mar 1, 1985 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| Document Number | 0000019947 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 15625/731 |
| Instrument | 2026-0019947 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 25, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004424 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 17-0004424 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 25, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004423 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 17-0004423 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 132 Months |
| Due | Jan 1, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2822 OBSERVATORY AVE, CINCINNATI, OH 45208-2331 |
| Document Number | 0000103632 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 2822 OBSERVATORY AVE CINCINNATI OH 452082331, CINCINNATI, OH 45208-2331 |
| Document Number | 0000103632 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 014050/001421 |
| Instrument | 103632 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2049 |
The 2025 property tax bill for 2822 Observatory Ave was $8,444, 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 | $8,444.00 (+3.06%) | $136,455 (-) Land $74,914 Building $61,541 | |
| 2024 | $8,193.00 (-2.16%) | $136,455 (-) Land $74,914 Building $61,541 | |
| 2023 | $8,374.00 (+9.71%) | $136,455 (+21.71%) Land $74,914 Building $61,541 | $389,870 Land $214,040 Building $175,830 |
| 2022 | $7,633.00 Homeowner's exemption | $112,116 Land $54,712 Building $57,404 | |
| 2020 | $320,330 Land $156,320 Building $164,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2822 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 5 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 Claims | 5 (1978–1989) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Apr 1989 · river or lake flooding |
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 risk around 2822 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 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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