2954 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2954 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,749 sqft · built 1921
Lot Size	0.348 acres (15,202 sqft)
Owner	Individual Name on File
Last Sale	$969,400 (Jul 2021)
Tax Bill	$20,870 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-0006-0141-00`

Property Details

APN / Parcel Number

Primary APN	`039-0006-0141-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,749 sqft Living Area
1st Floor Area	1,875 sqft
2nd Floor Area	974 sqft
Attic	Attic
Attic Area	900 sqft
Basement Area	1,875 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	15,202 sqft (0.348 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	203 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2954 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2954 OBSERVATORY AVE 75 X 200 NS OBSERVATORY 225 FT E PAXTON
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2008
Census Tract	5100

Owner

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	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	2954 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEMBA CREDIT UNION INC
Jul 7, 2021	Warranty Deed, Transfer
Oct 14, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Oct 15, 2020 · Amount on File
Deed Document Number	0000082464
Deed Book / Page	14453 / 1596
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2954 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113775
Date	Oct 29, 2020
Book Page	14285/1788
Instrument	2020-0113775

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 7, 2021
Property Address	2954 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000082464
Book / Page	14453 / 1596
Instrument Date	Jun 25, 2021
Instrument	2021-0082464
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Tax	$2,908.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2954 OBSERVATORY AVE, CINCINNATI, OH 45208-2412

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Oct 14, 2020
Property Address	2954 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000107214
Book / Page	014275 / 002406
Instrument Date	Sep 22, 2020
Instrument	107214
Transaction Type	Transfer
Record Updated	Apr 21, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,420.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2954 OBSERVATORY AVE CINCINNATI OH 452082412, CINCINNATI, OH 45208-2412

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,870.00 (+3.14%)	$339,290 (+%) Land $125,534 Building $213,756
2024	$20,235.00 (-2.21%)	$339,289 (-) Land $125,534 Building $213,755
2023	$20,693.00 (+5.6%)	$339,289 (+17.72%) Land $125,534 Building $213,755	$969,400 (+17.72%) Land $358,670 Building $610,730
2022	$19,596.00 Homeowner's exemption	$288,219 Land $91,655 Building $196,564
2020			$823,480 Land $261,870 Building $561,610

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.

Flood

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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 481 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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