Hamilton County property record for 3044 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,842 sqft · built 1919 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Company Name on Record |
| Last Sale | $790,000 (May 2017) |
| Tax Bill | $21,170 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage May 2017 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0006-0118-00 |
| Primary APN | 039-0006-0118-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,842 sqft Living Area |
| 1st Floor Area | 1,629 sqft |
| 2nd Floor Area | 1,213 sqft |
| Basement Area | 1,629 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 391 sqft |
| Patio Area | 344 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3044 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3044 OBSERVATORY 75 X 200NS OBSERVATORY 812.25 FT E OF GRACE |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 5100 |
Source: Hamilton County records, as of February 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 3044 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS |
| May 19, 2017 | Warranty Deed, Transfer · Line of Credit GENERAL ELECTRIC CU |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | May 19, 2017 · Amount on Record |
| Deed Sale | May 19, 2017 · Amount on Record |
| Prior Sale | May 19, 2017 · Amount on Record |
| Deed Document Number | 0000044847 |
| Deed Book / Page | 013421 / 000280 |
| Last Transfer Date | Jun 13, 2025 |
| Transfer Doc | 0000044479 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3044 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000063802 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3044 OBSERVATORY AVE CINCINNATI OH 452082414, CINCINNATI, OH 45208-2414 |
| Document Number | 0000063802 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 014203/000223 |
| Instrument | 63802 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 5, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | May 19, 2017 |
| Property Address | 3044 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000044847 |
| Book / Page | 013421 / 000280 |
| Instrument Date | May 1, 2017 |
| Instrument | 44847 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2017 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,370.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3044 OBSERVATORY AVE CINCINNATI OH 452082414, CINCINNATI, OH 45208-2414 |
| Document Number | 44848 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 013421/000282 |
| Instrument | 44848 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 18, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of March 1, 2025
| 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 | $21,170.00 (+3.1%) | $343,084 (+%) Land $125,534 Building $217,550 | |
| 2024 | $20,534.00 (-2.19%) | $343,083 (-) Land $125,534 Building $217,549 | |
| 2023 | $20,993.00 (-7.4%) | $343,083 (+3.18%) Land $125,534 Building $217,549 | $980,240 (+3.18%) Land $358,670 Building $621,570 |
| 2022 | $22,671.00 Homeowner's exemption | $332,501 Land $91,655 Building $240,846 | |
| 2020 | $950,000 Land $261,870 Building $688,130 |
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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