Hamilton County property record for 3229 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,331 sqft · built 1918 |
| Lot Size | 0.084 acres (3,659 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $515,000 (Nov 2022) |
| Tax Bill | $7,158 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Second Mortgage Jul 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0001-0154-00 |
| Primary APN | 039-0001-0154-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,331 sqft Living Area |
| Gross Area | 2,051 sqft |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 611 sqft |
| Upper Floors Area | 611 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Asphalt |
| Lot Area | 3,659 sqft (0.084 acres) |
| Lot Dimensions | 94.4 ft deep x 45 ft wide |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 264 sqft |
| Deck Area | Deck Area |
| Patio Area | 460 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 3229 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | 3229 OBSERVATORY AVE 45 X 94.43 IRR SS OBSERVATORY AVE SW OF |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 4800 |
Source: Hamilton County records, as of January 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3229 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 22, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage UNION SAVINGS BANK |
| Jul 27, 2020 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE |
| Jun 4, 2019 | Warranty Deed, Transfer · Line of Credit GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2022 · Amount on Record |
| Deed Sale | Nov 22, 2022 · Amount on Record |
| Prior Sale | Jun 4, 2019 · Amount on Record |
| Deed Document Number | 2022108026 |
| Deed Book / Page | 14799 / 1844 |
| Last Transfer Date | Sep 12, 2024 |
| Transfer Doc | 0000078750 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Nov 22, 2022 |
| Property Address | 3229 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000108026 |
| Book / Page | 14799 / 1844 |
| Instrument Date | Nov 17, 2022 |
| Instrument | 2022-0108026 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2022 |
| Title Company | ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,545.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3229 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000108027 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 2022-0108027 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 3229 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000075979 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3229 OBSERVATORY AVE CINCINNATI OH 452082562, CINCINNATI, OH 45208-2562 |
| Document Number | 0000075979 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 014223/002428 |
| Instrument | 75979 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 2, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jun 4, 2019 |
| Property Address | 3229 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000043300 |
| Book / Page | 013931 / 001827 |
| Instrument Date | May 31, 2019 |
| Instrument | 43300 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,592.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3229 OBSERVATORY AVE CINCINNATI OH 452082562, CINCINNATI, OH 45208-2562 |
| Document Number | 43301 |
|---|---|
| Date | Jun 4, 2019 |
| Book Page | 013931/001830 |
| Instrument | 43301 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 3, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $7,158.00 (+3.14%) | $180,250 (-) Land $57,813 Building $122,437 | $515,000 (-) Land $165,180 Building $349,820 |
| 2024 | $6,940.00 (-2.21%) | $180,250 (-) Land $57,813 Building $122,437 | |
| 2023 | $7,097.00 (+17.71%) | $180,250 (+29.4%) Land $57,813 Building $122,437 | $515,000 (+29.4%) Land $165,180 Building $349,820 |
| 2022 | $6,029.00 Homeowner's exemption | $139,300 Land $42,224 Building $97,076 | |
| 2020 | $398,000 Land $120,640 Building $277,360 |
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 | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · 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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