Hamilton County property record for 2823 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,386 sqft · built 1906 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $655,000 (Feb 2024) |
| Tax Bill | $12,685 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Feb 2024 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0003-0044-00 |
| Primary APN | 046-0003-0044-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,386 sqft Living Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 841 sqft |
| 2nd Floor Area | 781 sqft |
| Attic | Attic |
| Attic Area | 364 sqft |
| Basement Area | 781 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 381 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 7,449 sqft (0.171 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2823 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 2823 OBSERVATORY AV 50 X 150 LOT 22 MONTIETH SUB |
| Legal Subdivision | MONTIETH SUB |
| Legal Lot Number | 22 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4900 |
2823 Observatory Ave is owner-occupied and held in a trust since February 2026.
Source: Hamilton County records, as of March 26, 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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 19, 2026 | Intrafamily Transfer, Transfer |
| Feb 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage WARSAW FSLA |
| Dec 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| Jun 5, 2020 | Deed of Trust, Mortgage · Conventional with PMI EAGLE SVGS BK |
| Apr 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage EAGLE SAVINGS BANK |
| Apr 16, 2019 | Trustee's Deed, Construction Loan · Line of Credit VICTORY CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2024 · Amount on File |
| Deed Sale | Feb 16, 2024 · Amount on File |
| Prior Sale | Apr 29, 2019 · Amount on File |
| Deed Document Number | 202410946 |
| Deed Book / Page | 15105 / 1168 |
| Last Transfer Date | Feb 12, 2026 |
| Transfer Doc | 0000012268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 19, 2026 |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000012268 |
| Book / Page | 15606 / 331 |
| Map Reference | MB 15 PG 88 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 2026-0012268 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Feb 16, 2024 |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000010946 |
| Book / Page | 15105 / 1168 |
| Map Reference | MB 15 PG 88 |
| Instrument Date | Feb 15, 2024 |
| Instrument | 2024-0010946 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3533 WARSAW AVE, CINCINNATI, OH 45205-1850 |
| Document Number | 0000010947 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 2024-0010947 |
| Name | WARSAW FSLA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Number | 0000010947 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 15105/1170 |
| Instrument | 2024-0010947 |
| Name | WARSAW FSLA |
|---|---|
| Type | Bank |
| Address | 3533 WARSAW AVE, CINCINNATI, OH 45205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000088675 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 15065/847 |
| Instrument | 2023-0088675 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Oct 25, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000097753 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 14479/2814 |
| Instrument | 2021-0097753 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000055724 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2823 OBSERVATORY AVE CINCINNATI OH 452082308, CINCINNATI, OH 45208-2308 |
| Document Number | 0000055724 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 014188/001883 |
| Instrument | 55724 |
| Name | EAGLE SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 29, 2019 |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000031957 |
| Book / Page | 13906 / 00080 |
| Map Reference | MB 15 PG 88 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 2019-0031957 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,044.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000031959 |
|---|---|
| Date | Apr 29, 2019 |
| Instrument | 2019-0031959 |
| Name | EAGLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 16, 2019 |
| Property Address | 2823 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Book / Page | 013897 / 002144 |
| Instrument Date | Apr 3, 2019 |
| Instrument | 28642 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2823 OBSERVATORY AVE CINCINNATI OH 452082308, CINCINNATI, OH 45208-2308 |
| Document Number | 0000028642 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 013897/002144 |
| Instrument | 28642 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 15, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2823 Observatory Ave was $12,685, down 2.7% from the year before.
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 | $12,685.00 (-2.71%) | $206,129 (-) Land $90,475 Building $115,654 | $588,940 Land $258,500 Building $330,440 |
| 2024 | $13,039.00 (-0.18%) | $206,129 (-) Land $90,475 Building $115,654 | |
| 2023 | $13,062.00 (+3.67%) | $206,129 (+15.23%) Land $90,475 Building $115,654 | $588,940 Land $258,500 Building $330,440 |
| 2022 | $12,600.00 | $178,886 Land $66,077 Building $112,809 | |
| 2020 | $511,100 Land $188,790 Building $322,310 |
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 2823 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.
Wildfire risk around 2823 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures