3268 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3268 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,802 sqft · built 1920
Lot Size	0.162 acres (7,057 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,420 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0081-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0081-00`
Alternative APN	`0059307`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,802 sqft Living Area
Gross Area	4,165 sqft
1st Floor Area	1,363 sqft
2nd Floor Area	972 sqft
Attic	Attic
Attic Area	467 sqft
Basement Area	1,363 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,057 sqft (0.162 acres)
Lot Dimensions	128 ft deep x 187 ft wide
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	413 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3268 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	3268 OBSERVATORY 58.51 X 128.16 IRR-LOT 24 PT 25 FRED W COOKS SUBPARS 81-82 CONS
Legal Subdivision	C M COOKS SUB
Legal Lot Number	24
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	5100

Owner

3268 Observatory Ave is owned and occupied by two individuals who acquired it in July 2015.

Source: Hamilton County records, as of September 22, 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	2 Individual Names on File
Mailing Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Oct 8, 2021	Deed of Trust, Mortgage · Line of Credit ALLY BANK
Mar 2, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 20, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
May 23, 2019	Deed of Trust, Mortgage GENERAL ELECTRIC CU
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2015
Deed Sale	Jul 27, 2015
Prior Sale	Jul 8, 2011 · Amount on File
Deed Document Number	201577572
Deed Book / Page	12952 / 10
Prior Transfer Date	Feb 18, 2009
Prior Transfer Doc	0000000584
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Aug 25, 2026
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Document Number	0000069683
Book / Page	15736 / 1784
Instrument Date	Aug 19, 2026
Instrument	202669683
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000069683,
Date	Aug 25, 2026
Book Page	15736/1784
Instrument	202669683

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2056

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122069
Date	Oct 8, 2021
Book Page	14519/287
Instrument	2021-0122069

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	234 Months
Due	Apr 1, 2041

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000022643
Date	Mar 2, 2022
Book Page	14615/1527
Instrument	2022-0022643

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006460
Date	Jan 26, 2023
Book Page	14840/1
Instrument	2023-0006460

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048992
Date	Jun 20, 2019
Book Page	13943/00979
Instrument	2019-0048992

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Document Number	0000042024
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 18, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3268 OBSERVATORY AVE CINCINNATI OH 452082551, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000042024
Date	May 31, 2019
Book Page	013929/000604
Instrument	42024

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3268 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Document Number	0000010687
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	May 3, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3268 OBSERVATORY AVE CINCINNATI OH 452082551, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000010687
Date	Feb 6, 2018
Book Page	013599/002699
Instrument	10687

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3268 Observatory Ave was $14,420.

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

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	$14,420.00	$223,451 Land $87,941 Building $135,510	$638,430 Land $251,260 Building $387,170
2023	$14,425.00 (-17.53%)	$223,451 (-8.65%) Land $87,941 Building $135,510	$638,430 Land $251,260 Building $387,170
2022	$17,491.00	$244,615 Land $64,218 Building $180,397
2020			$698,900 Land $183,480 Building $515,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3268 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 3268 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.

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.

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