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3230 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3230 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,928 sqft · built 1926
Lot Size0.193 acres (8,407 sqft)
OwnerIndividual Name on File
Last Sale$510,000 (Oct 2020)
Tax Bill$12,575 (2025)
Deeds & MortgagesMar 2017 Mortgage
Oct 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN039-0001-0159-00

Property Details

APN / Parcel Number

Primary APN039-0001-0159-00
Alternative APN
  • 0046590

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,928 sqft Living Area
Gross Area2,996 sqft
1st Floor Area1,068 sqft
2nd Floor Area860 sqft
Basement Area1,068 sqft

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1926
Architectural StyleConventional
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof MaterialAsphalt
Lot Area8,407 sqft (0.193 acres)
Lot Dimensions124 ft deep x 199 ft wide
Garage TypeBasement
Garage Area200 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Frame Porch
Porch Area65 sqft
Deck AreaDeck Area
Patio Area502 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemBaseboard
Heating FuelOil

Location & Zoning

Street Address3230 OBSERVATORY AVE
CityCINCINNATI
StateOH
Zip45208-2502
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF6
Legal Description3230 OBSERVATORY AVE 75 X 124 IRR NW COR OBSERVATORY & ST
Legal SubdivisionMYERS Y COOPERS SUB/KILGOUR PARK
Legal Lot Number32
JurisdictionHAMILTON OH
Township / Civil DivisionCINCINNATI
Census Block Group1
Census Block1011
Census Tract5100

Owner

3230 Observatory Ave is owned and occupied by an individual who bought it in October 2020.

Source: Hamilton County records, as of January 21, 2026

Owner of RecordIndividual Name on File
Mailing Address3230 OBSERVATORY AVE, CINCINNATI, OH 45208-2502
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
Mar 30, 2017Deed of Trust, Mortgage · Commercial Mortgage
UNION SAVINGS BANK
Oct 16, 2020Grant Deed, Transfer
ATTORNEY ONLY
Nov 5, 2019Deed of Trust, Mortgage · Line of Credit
WESBANCO BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 16, 2020 · Amount on File
Deed SaleOct 16, 2020 · Amount on File
Prior SaleDec 16, 2010 · Amount on File
Deed Document Number2020107491
Deed Book / Page14276 / 782
Prior Transfer DateJul 31, 2013
Prior Transfer Doc0000000667
Record UpdatedJun 8, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address3230 OBSERVATORY AVE, CINCINNATI, OH 45208-2502
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyACS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000028291
DateMar 30, 2017
Instrument17-0028291
Lender
NameUNION SAVINGS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term180 Months
DueApr 1, 2032
Interest
Rate TypeFixed Rate

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHAMILTON OH
Recording DateOct 16, 2020
Property Address3230 OBSERVATORY AVE, CINCINNATI, OH 45208-2502
Document Number0000107491
Book / Page014276 / 000782
Instrument DateMar 19, 2020
Instrument107491
Transaction TypeTransfer
Record UpdatedApr 23, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$40.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3230 OBSERVATORY AVE CINCINNATI OH 452082502, CINCINNATI, OH 45208-2502

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON OH
Property Address3230 OBSERVATORY AVE, CINCINNATI, OH 45208-2502
Document Number0000098454
Instrument DateNov 5, 2019
Transaction TypeMortgage
Record UpdatedDec 30, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3230 OBSERVATORY AVE CINCINNATI OH 452082502, CINCINNATI, OH 45208-2502

Mortgage

Document Number0000098454
DateNov 8, 2019
Book Page014041/000700
Instrument98454
Lender
NameWESBANCO BK
TypeBank
AddressCINCINNATI, OH 45247-7095
Agreement
TypeLine of Credit
AmountAmount on Record
Term60 Months
DueNov 7, 2024
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3230 Observatory Ave was $12,575, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

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$12,575.00 (+3.12%)$203,644 (-) Land $102,382 Building $101,262$581,840 Land $292,520 Building $289,320
2024$12,194.00 (-2.21%)$203,644 (-) Land $102,382 Building $101,262
2023$12,469.00 (+4.04%)$203,644 (+16.01%) Land $102,382 Building $101,262$581,840 Land $292,520 Building $289,320
2022$11,985.00 Homeowner's exemption$175,547 Land $74,750 Building $100,797
2020$501,560 Land $213,570 Building $287,990

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 3230 Observatory Ave in Zone X, an area of minimal flood risk.

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 Policies1 in force

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 3230 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

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