3451 Observatory Pl, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3451 Observatory Pl, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,642 sqft · built 1995
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$24,000 (Jul 2023)
Tax Bill	$22,049 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`039-0001-0037-00`

Property Details

APN / Parcel Number

Primary APN	`039-0001-0037-00`
Alternative APN	`0084457`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,642 sqft Living Area
Gross Area	5,849 sqft
1st Floor Area	1,957 sqft
2nd Floor Area	1,935 sqft
Basement Area	1,957 sqft
Finished Basement	750 sqft
Unfinished Basement	1,207 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	7,492 sqft (0.172 acres)
Lot Width	50 ft Width
Porch	Open Frame Porch
Porch Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3451 OBSERVATORY PL
City	CINCINNATI
State	OH
Zip	45208-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	OBSERVATORY PL 0.172 AC PT LOTS 84-85 KILGOURS 1ST SUB
Legal Subdivision	KILGOURS 1ST SUB
Legal Lot Number	84-85
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	5100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Observatory Historic District listed 1978 · 10 contributing resources · NRIS 78002080

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hamilton County records, as of January 21, 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	3451 OBSERVATORY PL, P1, CINCINNATI, OH 45208-2563
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Oct 21, 2020	Loan Modification, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Jun 19, 2012 · Amount on Record
Deed Document Number	202347942
Deed Book / Page	14955 / 904
Prior Transfer Date	May 25, 2023
Prior Transfer Doc	0000047942
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3451 OBSERVATORY PL, CINCINNATI, OH 45208-2563
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001451
Date	Dec 7, 2017
Instrument	17-0111451

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3451 OBSERVATORY PL, CINCINNATI, OH 45208-2563
Document Number	0000124552
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3451 OBSERVATORY PL CINCINNATI OH 452082563, CINCINNATI, OH 45208-2563

Mortgage

Document Number	0000124552
Date	Nov 30, 2020
Book Page	014304/001419
Instrument	124552

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 29, 2030

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	$22,049.00 (+3.13%)	$358,621 (-) Land $90,475 Building $268,146	$1,024,630 (-) Land $258,500 Building $766,130
2024	$21,379.00 (-2.21%)	$358,621 (-) Land $90,475 Building $268,146
2023	$21,862.00 (-2.21%)	$358,621 (+9.01%) Land $90,475 Building $268,146	$1,024,630 (+9.01%) Land $258,500 Building $766,130
2022	$22,356.00 Homeowner's exemption	$328,973 Land $66,077 Building $262,896
2020			$939,920 Land $188,790 Building $751,130

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

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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