Hamilton County property record for 3070 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,406 sqft · built 1925 |
| Lot Size | 0.335 acres (14,636 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $912,500 (Dec 2019) |
| Tax Bill | $19,670 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Aug 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0001-0150-00 |
| Primary APN | 039-0001-0150-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,406 sqft Living Area |
| 1st Floor Area | 1,658 sqft |
| 2nd Floor Area | 1,188 sqft |
| Attic | Attic |
| Attic Area | 560 sqft |
| Basement Area | 1,532 sqft |
| Finished Basement | 560 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 14,636 sqft (0.335 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 405 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3070 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3068 OBSERVATORY AVE 75 X200 NS OBSERVATORY AVE 173 FT W OF DELTA AVE |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 5100 |
Source: Hamilton County records, as of February 20, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3068 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2026 | Transfer on Death Deed, Transfer |
| Aug 12, 2022 | Deed of Trust, Mortgage · Construction Mortgage WARSAW FSLA |
| Dec 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK |
| Apr 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2019 · Amount on Record |
| Deed Sale | Dec 20, 2019 · Amount on Record |
| Prior Sale | Apr 25, 2018 · Amount on Record |
| Deed Document Number | 2019-0112784 |
| Deed Book / Page | 14068 / 00208 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 20, 2026 |
| Property Address | 3070 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000004285 |
| Book / Page | 15585 / 65 |
| Instrument Date | Jan 14, 2026 |
| Instrument | 2026-0004285 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3068 OBSERVATORY AVE, CINCINNATI, OH 45208 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3070 OBSERVATORY AVE, CINCINNATI, OH 45208-2414 |
| Document Number | 0000078516 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 14729/711 |
| Instrument | 2022-0078516 |
| Name | WARSAW FSLA |
|---|---|
| Type | Bank |
| Address | 42505 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.88% |
| Type Change Date | Sep 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.88% |
| Index | 1-Year CMT |
| Max Rate | 9.88% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Dec 20, 2019 |
| Property Address | 3068 OBSERVATORY AVE, CINCINNATI, OH 45208 |
| Document Number | 0000112784 |
| Book / Page | 14068 / 00208 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 2019-0112784 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3068 OBSERVATORY AVE, CINCINNATI, OH 45208 |
| Document Number | 0000112786 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 2019-0112786 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Apr 25, 2018 |
| Property Address | 3068 OBSERVATORY AVE, CINCINNATI, OH 45208 |
| Document Number | 0000004386 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 18-0034386 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,460.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3301 RIDER TRL S, EARTH CITY, MO 63045-1314 |
| Document Number | 0000004387 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 18-0034387 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2033 |
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 | $19,670.00 (-1.78%) | $369,317 (-) Land $125,535 Building $243,782 | |
| 2024 | $20,027.00 (-2.95%) | $369,317 (+9.17%) Land $125,535 Building $243,782 | |
| 2023 | $20,635.00 (-9.5%) | $338,286 (+5.92%) Land $125,535 Building $212,751 | $1,055,190 (+15.64%) Land $358,670 Building $696,520 |
| 2022 | $22,801.00 Homeowner's exemption | $319,376 Land $91,655 Building $227,721 | |
| 2020 | $912,500 Land $261,870 Building $650,630 |
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 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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