3449 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3449 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,532 sqft · built 1926
Lot Size	0.228 acres (9,975 sqft)
Owner	Individual Name on Record
Tax Bill	$15,192 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`038-0006-0002-00`

Property Details

APN / Parcel Number

Primary APN	`038-0006-0002-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
1st Floor Area	1,239 sqft
2nd Floor Area	1,293 sqft
Basement Area	1,146 sqft
Finished Basement	300 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	119 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3449 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OBSERVATORY AV 89.91 X 119.13 IR LT 3 PT 2 OBSERVATORY HGTS SUB PRS 2-3 CONS
Legal Subdivision	OBSERVATORY HEIGHTS SUB
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1005
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3449 OBSERVATORY AVE, CINCINNATI, OH 45208-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 15, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2005
Deed Sale	May 19, 2005
Prior Sale	Apr 21, 1994
Deed Document Number	05-080271
Deed Book / Page	9939 / 02156
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3449 OBSERVATORY AVE, CINCINNATI, OH 45208-2552
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 OBSERVATORY AVE, CINCINNATI, OH 45208-2552

Mortgage

Document Number	0000058627
Date	Aug 21, 2023
Book Page	14983/283
Instrument	2023-0058627

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3449 OBSERVATORY AVE, CINCINNATI, OH 45208-2552
Document Number	0000048035
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3449 OBSERVATORY AVE CINCINNATI OH 452082552, CINCINNATI, OH 45208-2552

Mortgage

Document Number	0000048035
Date	May 21, 2020
Book Page	014173/002230
Instrument	48035

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MASON, OH 45040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2035

Interest

Rate Type	Adjustable Rate

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	$15,192.00 (+4.18%)	$246,803 (+1.02%) Land $90,447 Building $156,356
2024	$14,582.00 (-2.21%)	$244,321 (-) Land $90,447 Building $153,874
2023	$14,912.00 (+9.02%)	$244,321 (+21.55%) Land $90,447 Building $153,874	$705,150 (+22.79%) Land $258,420 Building $446,730
2022	$13,678.00 Homeowner's exemption	$200,998 Land $79,828 Building $121,170
2020			$574,280 Land $228,080 Building $346,200

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

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

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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