3290 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3290 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,540 sqft · built 1900
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$807,000 (Dec 2025)
Tax Bill	$14,744 (2025)
Deeds & Mortgages	Sep 2024 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0118-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0118-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,540 sqft Living Area
1st Floor Area	1,039 sqft
2nd Floor Area	1,014 sqft
Attic	Attic
Attic Area	487 sqft
Basement Area	1,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	125 ft deep x 195 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3290 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3290 OBSERVATORY AVE 55.22 X 125 IRR PT LOT 81 KILGOURS 1ST
Legal Subdivision	KILGOURS
Legal Lot Number	81
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	5100

Owner

3290 Observatory Ave is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 11, 2025	Warranty Deed, Transfer · Conventional Mortgage GOLDMAN SACHS BANK USA
Jan 30, 2019	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Jan 30, 2019 · Amount on File
Deed Document Number	0000096909
Deed Book / Page	15560 / 1347
Record Updated	Jun 8, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3290 OBSERVATORY AVE, PALM BAY, FL 32908

Mortgage

Document Number	0000062933
Date	Sep 10, 2024
Book Page	15247/308
Instrument	2024-0062933

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2039

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 11, 2025
Property Address	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Document Number	0000096909
Book / Page	15560 / 1347
Map Reference	MB 4 PG 87
Instrument Date	Dec 1, 2025
Instrument	2025-0096909
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$807.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000096910
Date	Dec 11, 2025
Instrument	2025-0096910

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 30, 2019
Property Address	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551
Document Number	0000007514
Book / Page	13844 / 00187
Map Reference	MB 4 PG 87
Instrument Date	Jan 18, 2019
Instrument	2019-0007514
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,420.00
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	3290 OBSERVATORY AVE, CINCINNATI, OH 45208-2551

Mortgage

Document Number	0000007522
Date	Jan 30, 2019
Instrument	2019-0007522

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3290 Observatory Ave was $14,744, up 3.1% from the year before.

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	$14,744.00 (+3.09%)	$238,928 (-) Land $112,417 Building $126,511
2024	$14,302.00 (-2.18%)	$238,928 (-) Land $112,417 Building $126,511
2023	$14,621.00 (+1.23%)	$238,928 (+12.83%) Land $112,417 Building $126,511	$682,650 Land $321,190 Building $361,460
2022	$14,443.00 Homeowner's exemption	$211,751 Land $82,044 Building $129,707
2020			$605,000 Land $234,410 Building $370,590

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 3290 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 3290 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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