Hamilton County property record for 2903 Observatory Ave, Cincinnati, OH 45208
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,949 sqft · built 1920 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $12,469 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-0002-0069-00 |
| Primary APN | 046-0002-0069-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 2,949 sqft Finished Area |
| 1st Floor Area | 1,200 sqft |
| 2nd Floor Area | 1,200 sqft |
| Attic | Attic |
| Attic Area | 549 sqft |
| Basement Area | 1,200 sqft |
| Family Room | Family Room |
| Year Built | Built 1920 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 6,752 sqft (0.155 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2903 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2309 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2903-5 OBSERVATORY AVE 50 X 140 JOHN MORTON EST SUB |
| Legal Subdivision | JOHN MORTON ESTATE SUB |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 4900 |
Source: Hamilton County records, as of February 9, 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 Individual Names on Record |
|---|---|
| Mailing Address | 11322 DONWIDDLE DR, LOVELAND, OH 45140-9369 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2008 |
| Deed Sale | Dec 5, 2008 |
| Deed Document Number | 172575 |
| Prior Transfer Date | Mar 19, 1997 |
| Prior Transfer Doc | 9738387 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2903 OBSERVATORY AVE, CINCINNATI, OH 45208-2309 |
| Document Number | 0000117268 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2021 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2903-2905 OBSERVATORY AVE CINCINNATI OH 452082309, CINCINNATI, OH 45208-2309 |
| Document Number | 0000117268 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 014291/001911 |
| Instrument | 117268 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 5, 2035 |
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 | $12,469.00 (+0.14%) | $196,833 (+%) Land $87,762 Building $109,071 | |
| 2024 | $12,451.00 (-0.18%) | $196,832 (-) Land $87,762 Building $109,070 | |
| 2023 | $12,473.00 (+6.47%) | $196,832 (+18.36%) Land $87,762 Building $109,070 | $562,380 (+18.36%) Land $250,750 Building $311,630 |
| 2022 | $11,715.00 | $166,296 Land $64,096 Building $102,200 | |
| 2020 | $475,130 Land $183,130 Building $292,000 |
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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