Hamilton County property record for 2827 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,808 sqft · built 1900 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $20,000 (Apr 2021) |
| Tax Bill | $8,998 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0003-0045-00 |
| Primary APN | 046-0003-0045-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 742 sqft |
| 2nd Floor Area | 720 sqft |
| Attic | Attic |
| Attic Area | 346 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 190 sqft |
| Porch | Open Frame Porch |
| Porch Area | 356 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2827 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF6 |
| Legal Description | 2827 OBSERVATORY AVE 40 X 150 W PT LOT 23 MONTEITH SUB |
| Legal Subdivision | MONTEITH SUB |
| Legal Lot Number | 23 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 4900 |
Source: Hamilton County records, as of October 19, 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 | 2827 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Apr 12, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2021 · Amount on Record |
| Deed Sale | Apr 12, 2021 · Amount on Record |
| Prior Sale | Feb 16, 2005 |
| Deed Document Number | 202145717 |
| Deed Book / Page | 14394 / 2953 |
| Prior Transfer Date | Feb 25, 2021 |
| Prior Transfer Doc | 0000045717 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 8, 2026 |
| Property Address | 2827 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000073695 |
| Book / Page | 15745 / 743 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 202673695 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2827 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000073695, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 15745/743 |
| Instrument | 202673695 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 12, 2021 |
| Property Address | 2827 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000045717 |
| Book / Page | 14394 / 2953 |
| Map Reference | MB 15 PG 28 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021-0045717 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2827 OBSERVATORY AVE, CINCINNATI, OH 45208-2308 |
| Document Number | 0000045718 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 2021-0045718 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
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 | $8,998.00 (+3.14%) | $146,251 (-) Land $72,380 Building $73,871 | $417,860 (-) Land $206,800 Building $211,060 |
| 2024 | $8,724.00 (-2.21%) | $146,251 (-) Land $72,380 Building $73,871 | |
| 2023 | $8,921.00 (+3.17%) | $146,251 (+15.09%) Land $72,380 Building $73,871 | $417,860 (+15.09%) Land $206,800 Building $211,060 |
| 2022 | $8,647.00 Homeowner's exemption | $127,075 Land $52,861 Building $74,214 | |
| 2020 | $363,070 Land $151,030 Building $212,040 |
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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