2970 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 2970 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,589 sqft · built 1925
Lot Size	0.337 acres (14,680 sqft)
Owner	2 Owner Names on Record
Tax Bill	$20,062 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0006-0138-00`

Property Details

APN / Parcel Number

Primary APN	`039-0006-0138-00`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,589 sqft Living Area
1st Floor Area	1,772 sqft
2nd Floor Area	1,468 sqft
Attic	Attic
Attic Area	349 sqft
Basement Area	1,772 sqft
Finished Basement	500 sqft
Fireplaces	4 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	14,680 sqft (0.337 acres)
Lot Dimensions	200 ft deep x 275 ft wide
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	369 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2970 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2970 OBSERVATORY RD 74.64 X 200 IRR
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	2970 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
May 10, 2018	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2007
Deed Sale	Dec 10, 2007
Prior Sale	Dec 10, 2007 · Amount on Record
Deed Document Number	143820
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2970 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000124816
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2970 OBSERVATORY AVE CINCINNATI OH 452082412, CINCINNATI, OH 45208-2412

Mortgage

Document Number	0000124816
Date	Nov 30, 2020
Book Page	014304/003147
Instrument	124816

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 29, 2045

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2970 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000124978
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 OBSERVATORY AVE CINCINNATI OH 452082412, CINCINNATI, OH 45208-2412

Mortgage

Document Number	0000124978
Date	Nov 30, 2020
Book Page	014304/004263
Instrument	124978

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2970 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000098532
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2970 OBSERVATORY AVE CINCINNATI OH 452082412, CINCINNATI, OH 45208-2412

Mortgage

Document Number	0000098532
Date	Sep 25, 2020
Book Page	014261/000770
Instrument	98532

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	2970 OBSERVATORY AVE, CINCINNATI, OH 45208-2412
Document Number	0000041525
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jun 29, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2970 OBSERVATORY AVE CINCINNATI OH 452082412, CINCINNATI, OH 45208-2412

Mortgage

Document Number	0000041525
Date	May 16, 2018
Book Page	013669/000119
Instrument	41525

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate

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	$20,062.00 (+3.13%)	$325,133 (-) Land $124,530 Building $200,603
2024	$19,454.00 (-2.21%)	$325,133 (-) Land $124,530 Building $200,603
2023	$19,893.00 (+5.03%)	$325,133 (+17.11%) Land $124,530 Building $200,603	$928,950 (+17.11%) Land $355,800 Building $573,150
2022	$18,940.00 Homeowner's exemption	$277,624 Land $90,920 Building $186,704
2020			$793,210 Land $259,770 Building $533,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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