3323 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3323 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,866 sqft · built 1922
Lot Size	0.212 acres (9,235 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (May 2018)
Tax Bill	$12,633 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0182-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0182-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,866 sqft Living Area
1st Floor Area	1,130 sqft
2nd Floor Area	736 sqft
Upper Floors Area	736 sqft
Basement Area	1,130 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	212 ft deep x 48 ft wide
Porch	Porch
Porch Area	400 sqft
Patio Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3323 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3323 OBERVATORY AVE 55.18 X 212.45 IRR PT LOT 77 KILGOURS EST
Legal Subdivision	KILGOURS ESTATE
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 February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3323 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Nov 6, 2019	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE
May 22, 2018	Warranty Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Prior Sale	Feb 10, 2006
Deed Document Number	0000043603
Deed Book / Page	013673 / 001211
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3323 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127120
Date	Oct 20, 2021
Book Page	14527/837
Instrument	2021-0127120

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3323 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Document Number	0000099900
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3323 OBSERVATORY AVE CINCINNATI OH 452082535, CINCINNATI, OH 45208-2535

Mortgage

Document Number	0000099900
Date	Nov 13, 2019
Book Page	014043/001558
Instrument	99900

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 22, 2018
Property Address	3323 OBSERVATORY AVE, CINCINNATI, OH 45208-2535
Document Number	0000043603
Book / Page	013673 / 001211
Instrument Date	May 10, 2018
Instrument	43603
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	NATIONAL TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Tax	$174.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3323 OBSERVATORY AVE CINCINNATI OH 452082535, CINCINNATI, OH 45208-2535

Mortgage

Document Number	43604
Date	May 22, 2018
Book Page	013673/001213
Instrument	43604

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 21, 2048

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	$12,633.00 (-1.78%)	$205,314 (-) Land $89,572 Building $115,742
2024	$12,862.00 (+2.68%)	$205,314 (-) Land $89,572 Building $115,742
2023	$12,526.00 (-9.26%)	$205,314 (+1.14%) Land $89,572 Building $115,742	$586,610 (+1.14%) Land $255,920 Building $330,690
2022	$13,805.00 Homeowner's exemption	$203,000 Land $65,415 Building $137,585
2020			$580,000 Land $186,900 Building $393,100

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.

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