3411 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3411 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,930 sqft · built 1927
Lot Size	0.254 acres (11,064 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Jan 2019)
Tax Bill	$16,712 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-0003-0037-00`

Property Details

APN / Parcel Number

Primary APN	`038-0003-0037-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
Gross Area	4,572 sqft
1st Floor Area	1,642 sqft
2nd Floor Area	1,039 sqft
Attic	Attic
Attic Area	249 sqft
Basement Area	1,642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	168 ft deep x 70 ft wide
Garage Type	Basement
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	220 sqft
Deck Area	Deck Area
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3411 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	3411 OBSERVATORY AVE 75 X 168.46 IRR PT LOT 2 PHILIP JONES EST
Legal Subdivision	PHILIP JONES EST
Legal Lot Number	2
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1012
Census Tract	4800

Owner

3411 Observatory Ave is owned and occupied by two individuals who bought it in January 2019.

Source: Hamilton County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
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
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 9, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit UNION SVGS
Jan 22, 2019	Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2019 · Amount on File
Deed Sale	Jan 22, 2019 · Amount on File
Prior Sale	Aug 1, 2003 · Amount on File
Deed Document Number	20195570
Deed Book / Page	13838 / 1723
Prior Transfer Date	Jun 20, 2003
Prior Transfer Doc	0000445211
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112287
Date	Dec 19, 2019
Book Page	14067/00055
Instrument	2019-0112287

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065753
Date	Aug 9, 2019
Book Page	13977/01157
Instrument	2019-0065753

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jun 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014335
Date	Feb 2, 2021
Book Page	14346/2174
Instrument	2021-0014335

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	168 Months
Due	Feb 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
Document Number	0000002837
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3411 OBSERVATORY AVE CINCINNATI OH 452082537, CINCINNATI, OH 45208-2537

Mortgage

Document Number	0000002837
Date	Jan 9, 2020
Book Page	014080/000967
Instrument	2837

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 8, 2030

Interest

Rate Type	Adjustable Rate

January 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 22, 2019
Property Address	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537
Document Number	0000005570
Book / Page	13838 / 01723
Instrument Date	Jan 17, 2019
Instrument	2019-0005570
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ACS TITLE & CLOSING SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
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	3411 OBSERVATORY AVE, CINCINNATI, OH 45208-2537

Mortgage

Document Number	0000005571
Date	Jan 22, 2019
Instrument	2019-0005571

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

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

Mortgage

Document Number	0000005572
Date	Jan 22, 2019
Book Page	13838/01731
Instrument	2019-0005572

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 3411 Observatory Ave was $16,712, up 3.1% from the year before.

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	$16,712.00 (+3.14%)	$271,628 (-) Land $76,405 Building $195,223	$776,080 Land $218,300 Building $557,780
2024	$16,204.00 (-2.21%)	$271,628 (-) Land $76,405 Building $195,223
2023	$16,571.00 (+4.69%)	$271,628 (+16.7%) Land $76,405 Building $195,223	$776,080 Land $218,300 Building $557,780
2022	$15,829.00 Homeowner's exemption	$232,751 Land $63,305 Building $169,446
2020			$665,000 Land $180,870 Building $484,130

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 3411 Observatory Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3411 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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