Hamilton County property record for 2990 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 5,366 sqft · built 1922 |
| Lot Size | 0.456 acres (19,863 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $630,000 (Jun 2009) |
| Tax Bill | $20,864 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jan 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0006-0115-00 |
| Primary APN | 039-0006-0115-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 5,366 sqft Living Area |
| Gross Area | 6,256 sqft |
| 1st Floor Area | 1,890 sqft |
| 2nd Floor Area | 1,808 sqft |
| Attic | Attic |
| Attic Area | 668 sqft |
| Basement Area | 1,890 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 890 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Tile |
| Lot Area | 19,863 sqft (0.456 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2990 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2990 OBSERVATORY RD 100 X200 NS OBSERVATORY 130 FTE OF GRACE AVE |
| Legal Subdivision | E & F AVERYS SUBDIVISION |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 5100 |
Source: Hamilton County records, as of January 21, 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 | 2990 OBSERVATORY AVE, CINCINNATI, OH 45208-2446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jan 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2009 · Amount on Record |
| Deed Sale | Jun 26, 2009 · Amount on Record |
| Prior Sale | Apr 13, 2000 · Amount on Record |
| Deed Document Number | 200987418 |
| Deed Book / Page | 11176 / 2362 |
| Prior Transfer Date | Jan 19, 2009 |
| Prior Transfer Doc | 0000000900 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2990 OBSERVATORY AVE, CINCINNATI, OH 45208-2446 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 2990 OBSERVATORY AVE, CINCINNATI, OH 45208-2446 |
| Document Number | 0000094754 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 14767/2495 |
| Instrument | 2022-0094754 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2990 OBSERVATORY AVE, CINCINNATI, OH 45208-2446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009733 |
|---|---|
| Date | Jan 31, 2017 |
| Instrument | 17-0009733 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2990 OBSERVATORY AVE, CINCINNATI, OH 45208-2446 |
| Document Number | 0000071604 |
| Instrument Date | Jul 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2990 OBSERVATORY AVE CINCINNATI OH 452082446, CINCINNATI, OH 45208-2446 |
| Document Number | 0000071604 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 014216/000553 |
| Instrument | 71604 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 22, 2035 |
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 | $20,864.00 (+3.09%) | $338,951 (-) Land $150,640 Building $188,311 | $968,430 (-) Land $430,400 Building $538,030 |
| 2024 | $20,239.00 (-2.18%) | $338,951 (-) Land $150,640 Building $188,311 | |
| 2023 | $20,690.00 (+9.33%) | $338,951 (+21.87%) Land $150,640 Building $188,311 | $968,430 (+21.87%) Land $430,400 Building $538,030 |
| 2022 | $18,924.00 Homeowner's exemption | $278,114 Land $109,960 Building $168,154 | |
| 2020 | $794,610 Land $314,170 Building $480,440 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 663 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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