3321 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3321 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,464 sqft · built 1939
Lot Size	0.259 acres (11,282 sqft)
Owner	Individual Name on File
Tax Bill	$15,355 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0215-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0215-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,464 sqft Living Area
Gross Area	4,106 sqft
1st Floor Area	1,406 sqft
2nd Floor Area	1,358 sqft
Basement Area	1,342 sqft
Finished Basement	700 sqft
Unfinished Basement	642 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,282 sqft (0.259 acres)
Lot Width	58 ft Width
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	171 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3321 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	3321 OBSERVATORY AVE 50 FT IRR PT LOT 77 KILGOURS 1ST
Legal Subdivision	KILGOURS 1ST
Legal Lot Number	77
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2000
Census Tract	4800

Owner

Source: Hamilton County records, as of January 21, 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 File
Mailing Address	3321 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage GENERAL ELECTRIC CU
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2014
Deed Sale	Jan 21, 2014
Prior Sale	Jul 7, 2006 · Amount on File
Deed Document Number	20146343
Deed Book / Page	12514 / 1461
Prior Transfer Date	Nov 23, 2010
Prior Transfer Doc	0000000320
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3321 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138092
Date	Nov 16, 2021
Book Page	14545/87
Instrument	2021-0138092

Lender

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

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	7.5%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3321 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 OBSERVATORY AVE, CINCINNATI, OH 45208-2535

Mortgage

Document Number	0000138230
Date	Nov 16, 2021
Book Page	14545/956
Instrument	2021-0138230

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3321 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Document Number	0000020011
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 OBSERVATORY AVE CINCINNATI OH 452082535, CINCINNATI, OH 45208-2535

Mortgage

Document Number	0000020011
Date	Feb 28, 2020
Book Page	014114/000657
Instrument	20011

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

Tax Assessment & Valuation

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	$15,355.00 (+3.08%)	$249,467 (+%) Land $102,239 Building $147,228	$712,760 (-) Land $292,110 Building $420,650
2024	$14,896.00 (-2.17%)	$249,465 (-) Land $102,238 Building $147,227
2023	$15,227.00 (+2.24%)	$249,465 (+13.95%) Land $102,238 Building $147,227	$712,760 (+13.95%) Land $292,110 Building $420,650
2022	$14,894.00 Homeowner's exemption	$218,929 Land $74,669 Building $144,260
2020			$625,510 Land $213,340 Building $412,170

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

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.

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