3515 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3515 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,664 sqft · built 1931
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (May 2011)
Tax Bill	$18,026 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-0007-0027-00`

Property Details

APN / Parcel Number

Primary APN	`038-0007-0027-00`
Alternative APN	`0041417`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,664 sqft Living Area
Gross Area	6,356 sqft
1st Floor Area	2,308 sqft
2nd Floor Area	2,356 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	136 ft deep x 251 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3515 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	3515 OBSERVATORY 81.09 X 135.95 IRR PT LOT 1 PHILIP JONES EST
Legal Subdivision	PHILIP JONES EST
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1008
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	2 Individual Names on Record
Mailing Address	3515 OBSERVATORY AVE, CINCINNATI, OH 45208-2539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2011 · Amount on Record
Deed Sale	May 6, 2011 · Amount on Record
Deed Document Number	201153695
Deed Book / Page	11719 / 1406
Prior Transfer Date	Oct 19, 2004
Prior Transfer Doc	0000253687
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3515 OBSERVATORY AVE, CINCINNATI, OH 45208-2539
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006830
Date	Jan 14, 2021
Book Page	14334/4719
Instrument	2021-0006830

Lender

Name	VALLEY CENTRAL BANK
Type	Bank
Address	CINCINNATI, OH 45215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

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	$18,026.00 (+3.13%)	$292,366 (-) Land $89,691 Building $202,675	$835,330 (-) Land $256,260 Building $579,070
2024	$17,479.00 (-2.21%)	$292,366 (-) Land $89,691 Building $202,675
2023	$17,874.00 (+8.53%)	$292,366 (+21.03%) Land $89,691 Building $202,675	$835,330 (+21.03%) Land $256,260 Building $579,070
2022	$16,469.00 Homeowner's exemption	$241,574 Land $63,210 Building $178,364
2020			$690,210 Land $180,600 Building $509,610

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

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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