3529 Observatory Ave, Cincinnati, OH 45208 Property Records

Hamilton County property record for 3529 Observatory Ave, Cincinnati, OH 45208

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,727 sqft · built 1895
Lot Size	0.214 acres (9,322 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Nov 2018)
Tax Bill	$12,605 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-0007-0058-00`

Property Details

APN / Parcel Number

Primary APN	`038-0007-0058-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,727 sqft Living Area
1st Floor Area	1,310 sqft
2nd Floor Area	1,417 sqft
Basement Area	937 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,322 sqft (0.214 acres)
Lot Dimensions	161 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3529 OBSERVATORY AVE
City	CINCINNATI
State	OH
Zip	45208-2553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3513 OBSERVATORY AV 51.5X161.13 IR PT LOT 1 PHILLIP JONES EST PARS 58 & 65 CONS
Legal Subdivision	PHILLIP JONES ESTATE
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1021
Census Tract	4800

Owner

3529 Observatory Ave is owned and occupied by an individual who bought it in November 2018.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3529 OBSERVATORY AVE, CINCINNATI, OH 45208-2553
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
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Nov 1, 2018	Warranty Deed, Transfer UNITED SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Prior Sale	Sep 5, 2013
Deed Document Number	0000097084
Deed Book / Page	13787 / 00269
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3529 OBSERVATORY AVE, CINCINNATI, OH 45208-2553
Document Number	0000028457
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3529 OBSERVATORY AVE CINCINNATI OH 452082553, CINCINNATI, OH 45208-2553

Mortgage

Document Number	0000028457
Date	Mar 24, 2020
Book Page	014131/002132
Instrument	28457

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Mar 23, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 1, 2018
Property Address	3529 OBSERVATORY AVE, CINCINNATI, OH 45208-2553
Document Number	0000097084
Book / Page	13787 / 00269
Instrument Date	Oct 23, 2018
Instrument	2018-0097084
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8534 E KEMPER RD, CINCINNATI, OH 45249-3701

Mortgage

Document Number	0000097085
Date	Nov 1, 2018
Instrument	2018-0097085

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Mortgage

Document Number	0000097086
Date	Nov 1, 2018
Book Page	13787/00276
Instrument	2018-0097086

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3529 Observatory Ave was $12,605, up 3.1% from the year before.

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	$12,605.00 (+3.13%)	$204,848 (-) Land $65,366 Building $139,482
2024	$12,223.00 (-2.2%)	$204,848 (-) Land $65,366 Building $139,482
2023	$12,498.00 (-9.47%)	$204,848 (+0.91%) Land $65,366 Building $139,482	$585,280 Land $186,760 Building $398,520
2022	$13,805.00 Homeowner's exemption	$203,001 Land $47,814 Building $155,187
2020			$580,000 Land $136,610 Building $443,390

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 3529 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 3529 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 93% of the US · lower than 68% 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 228 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

May also be available: Verizon.

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