Hamilton County property record for 2991 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,766 sqft · built 1883 |
| Lot Size | 0.558 acres (24,306 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,480 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-0003-0064-00 |
| Primary APN | 043-0003-0064-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,766 sqft Living Area |
| Gross Area | 3,815 sqft |
| 1st Floor Area | 1,473 sqft |
| 2nd Floor Area | 1,293 sqft |
| Basement Area | 1,049 sqft |
| Year Built | Built 1883 |
|---|---|
| Effective Year Built | Effective 1883 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Asphalt |
| Lot Area | 24,306 sqft (0.558 acres) |
| Lot Dimensions | 270 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 140 sqft |
| Patio Area | 888 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 2991 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | 2991 OBSERVATORY RD 90 X 270 PT LOT 29 KILGOURS 1ST |
| Legal Subdivision | KILGOURS 1ST |
| Legal Lot Number | 29 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 4900 |
2991 Observatory Ave is owned and occupied by two individuals who acquired it in June 1994.
Source: Hamilton County records, as of August 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2991 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Nov 15, 2021 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 1994 |
| Deed Sale | Jun 29, 1994 |
| Deed Document Number | 1994116037 |
| Deed Book / Page | 6508 / 181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 6, 2026 |
| Property Address | 2991 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000054221 |
| Book / Page | 15700 / 2262 |
| Instrument Date | May 27, 2026 |
| Instrument | 202654221 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2991 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000054221, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 15700/2262 |
| Instrument | 202654221 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 2991 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000137730 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 14544/1721 |
| Instrument | 2021-0137730 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | Oct 1, 2031 |
The 2025 property tax bill for 2991 Observatory Ave was $13,480, up 3.1% from the year before.
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 | $13,480.00 (+3.09%) | $218,848 (-) Land $145,663 Building $73,185 | $625,280 Land $416,180 Building $209,100 |
| 2024 | $13,076.00 (-10.35%) | $218,848 (-8.38%) Land $145,663 Building $73,185 | |
| 2023 | $14,586.00 (+16.59%) | $238,865 (+29.99%) Land $145,663 Building $93,202 | $625,280 Land $416,180 Building $209,100 |
| 2022 | $12,511.00 Homeowner's exemption | $183,750 Land $106,337 Building $77,413 | |
| 2020 | $525,000 Land $303,820 Building $221,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2991 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · 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 risk around 2991 Observatory Ave is low, with less than a 0.01% annual chance of wildfire.
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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