3257 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3257 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,460 sqft · built 1905
Lot Size	0.342 acres (14,898 sqft)
Owner	Individual Name on Record
Last Sale	$688,500 (Feb 2024)
Tax Bill	$14,901 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0227-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0227-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
1st Floor Area	1,306 sqft
2nd Floor Area	780 sqft
Attic	Attic
Attic Area	374 sqft
Basement Area	1,292 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	14,898 sqft (0.342 acres)
Lot Dimensions	222 ft deep x 298 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3257 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OBSERVATORY RD 90.16 X 222.79 IRR PT LOT 3 PHILIP JONES ESTSUB
Legal Subdivision	PHILIP JONES ESTATE SUB
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2000
Census Tract	4800

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Warranty Deed, Transfer · Conventional Mortgage CENTERBANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
May 25, 2018	Warranty Deed, Transfer · ARM GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2024 · Amount on Record
Deed Sale	Feb 20, 2024 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	0000011129
Deed Book / Page	15106 / 885
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Feb 20, 2024
Property Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550
Document Number	0000011129
Book / Page	15106 / 885
Map Reference	MB 13 PG 95
Instrument Date	May 1, 2023
Instrument	2024-0011129
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	LANDSEL TITLE, LANDSEL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 STATE ROUTE 28, MILFORD, OH 45150-1832

Mortgage

Document Number	0000011130
Date	Feb 20, 2024
Instrument	2024-0011130

Lender

Name	CENTERBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0000011130
Date	Feb 20, 2024
Book Page	15106/887
Instrument	2024-0011130

Lender

Name	CENTERBANK
Type	Bank
Address	744 STATE ROUTE 28, MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550
Document Number	0000001708
Instrument Date	Dec 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3257 OBSERVATORY AVE CINCINNATI OH 452082550, CINCINNATI, OH 45208-2550

Mortgage

Document Number	0000001708
Date	Jan 6, 2021
Book Page	014328/002033
Instrument	1708

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 5, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550
Document Number	0000069536
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3257 OBSERVATORY AVE CINCINNATI OH 452082550, CINCINNATI, OH 45208-2550

Mortgage

Document Number	0000069536
Date	Aug 20, 2019
Book Page	013984/001141
Instrument	69536

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 25, 2018
Property Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550
Document Number	0000004998
Map Reference	MB13 PG95
Instrument Date	May 23, 2018
Instrument	18-0044998
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AGILITY CLOSING & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,874.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3257 OBSERVATORY AVE, CINCINNATI, OH 45208-2550

Mortgage

Document Number	0000005000
Date	May 25, 2018
Instrument	18-0045000

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,901.00 (+3.11%)	$240,975 (-) Land $129,552 Building $111,423
2024	$14,452.00 (-16.07%)	$240,975 (-14.26%) Land $129,552 Building $111,423
2023	$17,219.00 (+15.18%)	$281,068 (+28.51%) Land $129,553 Building $151,515	$688,500 (+10.18%) Land $370,150 Building $318,350
2022	$14,949.00 Homeowner's exemption	$218,716 Land $94,581 Building $124,135
2020			$624,900 Land $270,230 Building $354,670

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.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 531 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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