Hamilton County property record for 3243 Observatory Ave, Cincinnati, OH 45208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,989 sqft · built 1926 |
| Lot Size | 0.151 acres (6,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $685,000 (Mar 2021) |
| Tax Bill | $14,758 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-0001-0196-00 |
| Primary APN | 039-0001-0196-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,989 sqft Living Area |
| 1st Floor Area | 1,348 sqft |
| 2nd Floor Area | 1,138 sqft |
| Attic | Attic |
| Attic Area | 503 sqft |
| Basement Area | 1,192 sqft |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 6,621 sqft (0.151 acres) |
| Lot Dimensions | 150 ft deep x 89 ft wide |
| Garage Type | Basement |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 162 sqft |
| Patio Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3243 OBSERVATORY AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45208-2562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3243 OBSERVATORY AVE 88.75 X 150.46 IRR SS OBSERVATORY OPP ST |
| Legal Subdivision | EAST LINE/OBSERVATORY DRIVE |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 4800 |
3243 Observatory Ave is owned and occupied by an individual who bought it in March 2021.
Source: Hamilton County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3243 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 4, 2022 | Transfer on Death Deed, Transfer |
| Mar 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on File |
| Deed Sale | Mar 8, 2021 · Amount on File |
| Prior Sale | Jun 27, 2016 · Amount on File |
| Deed Document Number | 0000028883 |
| Deed Book / Page | 14369 / 1605 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Oct 4, 2022 |
| Property Address | 3243 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000093744 |
| Book / Page | 14765 / 1764 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2022-0093744 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Mar 8, 2021 |
| Property Address | 3243 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000028883 |
| Book / Page | 14369 / 1605 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 2021-0028883 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3243 OBSERVATORY AVE, CINCINNATI, OH 45208-2562 |
| Document Number | 0000028884 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 2021-0028884 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4% |
| Index | 1-Year CMT |
| Max Rate | 7.5% |
| Document Number | 0000028885 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 14369/1613 |
| Instrument | 2021-0028885 |
| Name | THE NORTH SIDE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3243 Observatory Ave was $14,758, up 3.1% from the year before.
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 | $14,758.00 (+3.14%) | $239,750 (-) Land $94,094 Building $145,656 | |
| 2024 | $14,309.00 (-2.21%) | $239,750 (-) Land $94,094 Building $145,656 | |
| 2023 | $14,633.00 (-10.28%) | $239,750 (%) Land $94,094 Building $145,656 | $685,000 Land $268,840 Building $416,160 |
| 2022 | $16,309.00 Homeowner's exemption | $239,751 Land $68,716 Building $171,035 | |
| 2020 | $685,000 Land $196,330 Building $488,670 |
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.
FEMA maps place 3243 Observatory Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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.
Wildfire risk around 3243 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 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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