Hamilton County property record for 2983 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,070 sqft · built 1912 |
| Lot Size | 0.335 acres (14,593 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,090,000 (Sep 2022) |
| Tax Bill | $23,470 (2025) |
| Deeds & Mortgages | Apr 2023 Transfer Sep 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0003-0063-00 |
| Primary APN | 043-0003-0063-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,070 sqft Living Area |
| 1st Floor Area | 1,928 sqft |
| 2nd Floor Area | 1,620 sqft |
| Attic | Attic |
| Attic Area | 522 sqft |
| Basement Area | 1,872 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 14,593 sqft (0.335 acres) |
| Lot Dimensions | 270 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 136 sqft |
| Patio Area | 254 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2983 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2983 OBSERVATORY RD 54 X 270 PT LOT 29 KILGOURS 1ST SUB |
| Legal Subdivision | KILGOURS 1ST SUB |
| Legal Lot Number | 29 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 4900 |
Source: Hamilton County records · APN 043-0003-0063-00
Assessment roll updated March 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2023 | Transfer on Death Deed, Transfer |
| Sep 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Aug 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on Record |
| Deed Sale | Sep 19, 2022 · Amount on Record |
| Prior Sale | Jul 26, 2012 |
| Deed Document Number | 0000088957 |
| Deed Book / Page | 14754 / 896 |
| Record Updated | Jun 08, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 10, 2023 |
| Property Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000023944 |
| Book / Page | 14891 / 3184 |
| Map Reference | MB 4 PG 86 |
| Instrument Date | Apr 10, 2023 |
| Instrument | 2023-0023944 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Sep 19, 2022 |
| Property Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000088957 |
| Book / Page | 14754 / 896 |
| Map Reference | MB 4 PG 86 |
| Instrument Date | Aug 07, 2022 |
| Instrument | 2022-0088957 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000088958 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 2022-0088958 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Oct 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000036454 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 14643/183 |
| Instrument | 2022-0036454 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2983 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000079461 |
| Instrument Date | Aug 05, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2983 OBSERVATORY AVE CINCINNATI OH 452082416, CINCINNATI, OH 45208-2416 |
| Document Number | 0000079461 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 014229/001046 |
| Instrument | 79461 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 10, 2035 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $23,470.00 (+3.07%) | $381,500 (+%) Land $108,209 Building $273,291 | |
| 2024 | $22,770.00 (-2.17%) | $381,499 (-) Land $108,209 Building $273,290 | |
| 2023 | $23,275.00 (-5.78%) | $381,499 (+5%) Land $108,209 Building $273,290 | $1,090,000 (+5%) Land $309,170 Building $780,830 |
| 2022 | $24,702.00 Homeowner's exemption | $363,325 Land $79,023 Building $284,302 | |
| 2020 | $1,038,070 Land $225,780 Building $812,290 |
Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), as of December 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390610049001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · rainfall accumulation |
| Wildfire Risk | Low lower than 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 663 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OH3102612, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures