Hamilton County property record for 3003 Observatory Ave, Cincinnati, OH 45208 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 6.5 Baths |
| Year Built | Built 1916 |
| Square Footage | 7,990 sqft Living Area |
| Lot Size | 23,697 sqft (0.544 acres) |
| Garage | Attached, 1,153 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $29,500.00 (2025) |
| Primary APN | 043-0003-0079-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Partial Baths | 3 Partial Baths |
| Total Rooms | 20 Rooms |
| Building Area | 7,990 sqft Living Area |
| Gross Area | 10,272 sqft Gross Area |
| 1st Floor | 3,295 sqft 1st Floor |
| 2nd Floor | 1,780 sqft 2nd Floor |
| Upper Floors | 1,277 sqft Upper Floors |
| Attic Area | 764 sqft Attic |
| Attic | 1 Attic |
| Basement Area | 3,280 sqft Basement |
| Finished Basement | 2,151 sqft Finished |
| Unfinished Basement | 1,129 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Conventional Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 23,697 sqft (0.544 acres) |
| Depth X Width | 220 ft x 328 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 1,153 sqft Garage |
| Deck Area | Deck Area |
| Patio Area | 648 sqft Patio |
| Porch Area | 196 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Heating Fuel | Oil Heating Fuel |
| Street Address | 3003 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2416 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 3003 OBSERVATORY AVE 107.50 X 220 PT LOT 28 KILGOURS 1ST SUB PARS 79 & 84 CONS |
| Legal Subdivision | KILGOURS 1ST SUB |
| Legal Lot Number | 28 |
| Jurisdiction | HAMILTON OH |
| Minor Civil Division | CINCINNATI |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 4900 |
Source: Hamilton County records · APN 043-0003-0079-00
Assessment roll updated January 21, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 03, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Nov 16, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 02, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 24, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 11, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 02, 2018 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 28, 1997 |
| Deed Sale | Aug 28, 1997 |
| Deed Doc Number | 1997130143 |
| Deed Book / Page | 7434 / 1386 |
| Last Transfer Date | Jun 28, 2012 |
| Transfer Doc | 0000000353 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000022996 |
|---|---|
| Date | Mar 03, 2022 |
| Book Page | 14616/210 |
| Instrument | 2022-0022996 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Mar 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 7.5% |
| Index | Other |
| Max Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000106155 |
|---|---|
| Date | Nov 16, 2022 |
| Book Page | 14795/63 |
| Instrument | 2022-0106155 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 04, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000093863 |
|---|---|
| Date | Dec 02, 2025 |
| Book Page | 15553/867 |
| Instrument | 2025-0093863 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000019994 |
|---|---|
| Date | Mar 24, 2025 |
| Book Page | 15379/277 |
| Instrument | 2025-0019994 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000031787 |
| Instrument Date | Apr 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Title Company | SERVICELINK |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3003 OBSERVATORY AVE CINCINNATI OH 452082416, CINCINNATI, OH 45208-2416 |
| Document Number | 0000031787 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 013648/000892 |
| Instrument | 31787 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3003 OBSERVATORY AVE, CINCINNATI, OH 45208-2416 |
| Document Number | 0000011256 |
| Instrument Date | Feb 02, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3003 OBSERVATORY AVE CINCINNATI OH 452082416, CINCINNATI, OH 45208-2416 |
| Document Number | 0000011256 |
|---|---|
| Date | Feb 08, 2018 |
| Book Page | 013601/001080 |
| Instrument | 11256 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 07, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
Source: Hamilton County records · Assessment roll updated January 21, 2026 · Last verified April 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,500.00 (+29.03%) | $478,307 (-) Land $160,104 Building $318,203 | $1,366,590 (-) Land $457,440 Building $909,150 |
| 2024 | $22,863.00 (-2.2%) | $478,307 (-) Land $160,104 Building $318,203 | |
| 2023 | $23,378.00 (+31.27%) | $478,307 (+33.99%) Land $160,104 Building $318,203 | $1,366,590 (+33.99%) Land $457,440 Building $909,150 |
| 2022 | $17,809.00 Homeowner's exemption | $356,962 Land $116,862 Building $240,100 | |
| 2020 | $1,019,890 Land $333,890 Building $686,000 |
3003 Observatory Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Hamilton County (39061C), updated December 22, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 25th in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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