Hamilton County property record for 3040 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,386 sqft · built 1925 |
| Lot Size | 0.345 acres (15,028 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Jul 2019) |
| Tax Bill | $18,320 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0006-0114-00 |
| Primary APN | 039-0006-0114-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,386 sqft Living Area |
| Gross Area | 5,626 sqft |
| 1st Floor Area | 2,261 sqft |
| 2nd Floor Area | 1,362 sqft |
| Attic | Attic |
| Attic Area | 443 sqft |
| Basement Area | 1,560 sqft |
| Finished Basement | 320 sqft |
| Unfinished Basement | 1,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 15,028 sqft (0.345 acres) |
| Lot Dimensions | 200 ft deep x 77 ft wide |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 537 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3040 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | OBSERVATORY RD 77.25 X 200 NS OBSERVATORY 715 FT E GRACE |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 5100 |
Source: Hamilton County records, as of May 27, 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 Record |
|---|---|
| Mailing Address | 3040 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Aug 24, 2020 | Deed of Trust, Mortgage PRIME LNDG |
| Jul 10, 2019 | Warranty Deed, Transfer PRIME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2019 · Amount on Record |
| Deed Sale | Jul 10, 2019 · Amount on Record |
| Deed Document Number | 201954796 |
| Deed Book / Page | 13955 / 223 |
| Prior Transfer Date | Mar 19, 1996 |
| Prior Transfer Doc | 0000042575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 28, 2026 |
| Property Address | 3040 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000032117 |
| Book / Page | 15654 / 2147 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 202632117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3040 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000032117, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 15654/2147 |
| Instrument | 202632117 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3040 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000089197 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2020 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 3040 OBSERVATORY AVE CINCINNATI OH 452082414, CINCINNATI, OH 45208-2414 |
| Document Number | 0000089197 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 014245/003217 |
| Instrument | 89197 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 10, 2019 |
| Property Address | 3040 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000054796 |
| Book / Page | 013955 / 000223 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 54796 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,560.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3040 OBSERVATORY AVE CINCINNATI OH 452082414, CINCINNATI, OH 45208-2414 |
| Document Number | 54798 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 013955/000228 |
| Instrument | 54798 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 9, 2049 |
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 | $18,320.00 (+3.04%) | $296,538 (-) Land $127,544 Building $168,994 | $847,250 (-) Land $364,410 Building $482,840 |
| 2024 | $17,780.00 (-2.15%) | $296,538 (-) Land $127,544 Building $168,994 | |
| 2023 | $18,170.00 (-14.52%) | $296,538 (-4.8%) Land $127,544 Building $168,994 | $847,250 (-4.8%) Land $364,410 Building $482,840 |
| 2022 | $21,256.00 Homeowner's exemption | $311,501 Land $93,118 Building $218,383 | |
| 2020 | $890,000 Land $266,050 Building $623,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures