1. Home
  2. Ohio
  3. Hamilton County
  4. Cincinnati
  5. Observatory Ave

3074 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3074 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property TypeSingle Family Home
Details5 bd · 5 ba · 3,945 sqft · built 1922
Lot Size0.348 acres (15,159 sqft)
OwnerIndividual Name on File
Last Sale$990,000 (Apr 2021)
Tax Bill$19,458 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Apr 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN039-0001-0165-00

Property Details

APN / Parcel Number

Primary APN039-0001-0165-00

Interior

Bedrooms5 Beds
Full Baths5 Baths
Half Baths2 Half Baths
Total Rooms11 Rooms
Stories2 Stories
Building Area3,945 sqft Living Area
1st Floor Area1,957 sqft
2nd Floor Area1,309 sqft
AtticAttic
Attic Area679 sqft
Basement Area1,349 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1922
Architectural StyleConventional
Exterior MaterialStucco
Lot Area15,159 sqft (0.348 acres)
Lot Dimensions200 ft deep x 75 ft wide
Garage TypeDetached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address3074 OBSERVATORY AVE
CityCINCINNATI
StateOH
Zip45208-2414
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description3074 OBSERVATORY AV 75 X 200 NS OBSERVATROY AVE 95FT W OF DELTA AVE
JurisdictionHAMILTON OH
Township / Civil DivisionCINCINNATI
Census Block Group2
Census Block2009
Census Tract5100

Owner

3074 Observatory Ave is owned and occupied by an individual who bought it in April 2021.

Source: Hamilton County records, as of February 9, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3074 OBSERVATORY AVE, CINCINNATI, OH 45208-2414
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2021Warranty Deed, Transfer · Conventional Mortgage
CF BANK
Apr 11, 2018Deed of Trust, Mortgage · ARM
UNION SAVINGS BANK
Sep 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
UNION SVGS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 28, 2021 · Amount on File
Deed SaleApr 28, 2021 · Amount on File
Prior SaleSep 10, 2010 · Amount on File
Deed Document Number2021-0052670
Deed Book / Page14406 / 30
Record UpdatedJun 8, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON OH
Recording DateApr 28, 2021
Property Address3074 OBSERVATORY AVE, CINCINNATI, OH 45208-2414
Document Number0000052670
Book / Page14406 / 30
Instrument DateApr 19, 2021
Instrument2021-0052670
Transaction TypeTransfer
Record UpdatedMay 25, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,970.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address3074 OBSERVATORY AVE, CINCINNATI, OH 45208-2414

Mortgage

Document Number0000052671
DateApr 28, 2021
Instrument2021-0052671
Lender
NameCF BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueMay 1, 2031

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address3074 OBSERVATORY AVE, CINCINNATI, OH 45208-2414
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000029837
DateApr 11, 2018
Instrument18-0029837
Lender
NameUNION SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45249
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueMay 1, 2048
Interest
Rate TypeAdjustable Rate
Rate4.5%
AdjustableAdjustable Rate Rider
Type Change DateMay 1, 2023
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change6.5%
Index1-Year CMT
Max Rate10.5%

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address3074 OBSERVATORY AVE, CINCINNATI, OH 45208-2414
Document Number0000082089
Instrument DateSep 20, 2019
Transaction TypeMortgage
Record UpdatedNov 6, 2019
Title CompanyACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3074 OBSERVATORY AVE CINCINNATI OH 452082414, CINCINNATI, OH 45208-2414

Mortgage

Document Number0000082089
DateSep 24, 2019
Book Page014008/001217
Instrument82089
Lender
NameUNION SVGS
TypeFederal Savings Bank
AddressCINCINNATI, OH 45249
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term300 Months
DueSep 23, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 3074 Observatory Ave was $19,458, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

TypeName
StateOhio
CountyHamilton County
MunicipalityCincinnati City
Unified School DistrictCincinnati City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$19,458.00 (+3.14%)$346,500 (+%) Land $125,534 Building $220,966
2024$18,866.00 (-2.21%)$346,499 (-) Land $125,534 Building $220,965
2023$19,293.00 (+14.98%)$346,499 (+27.73%) Land $125,534 Building $220,965$990,000 Land $358,670 Building $631,330
2022$16,779.00 Homeowner's exemption$271,275 Land $91,655 Building $179,620
2020$775,070 Land $261,870 Building $513,200

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.

Flood

FEMA maps place 3074 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 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.

Wildfire

Wildfire risk around 3074 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 RiskLow
lower than 96% of the US · lower than 81% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCINCINNATI PUBLIC WATER SYSTEM
serves 800,000 people · EPA ID OH3102612
Water SourceSurface water
Last State InspectionDec 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 663 locations within half a mile, as of December 31, 2025

ProviderMax 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

Nearby Properties on Observatory Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures