173 Opio Rd, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 173 Opio Rd, Hilo, HI 96720

Property Summary

Property Type	General Agricultural/Rural
Details	5 bd · 4 ba · 4,284 sqft · built 1971
Lot Size	1.13 acres (49,571 sqft)
Owner	2 Individual Names on Record
Last Sale	$839,000 (Dec 2025)
Tax Bill	$2,750 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-2-4-018-005`

Property Details

APN / Parcel Number

Primary APN	`3-2-4-018-005`
Alternative APNs	`3-2-4-018-005-0000` `240180050000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,284 sqft Gross Area
1st Floor Area	2,256 sqft
Upper Floors Area	1,632 sqft
Basement Area	1,488 sqft
Finished Basement	1,008 sqft
Unfinished Basement	480 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Other
Lot Area	49,571 sqft
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Porch	Covered Porch
Porch Area	1,012 sqft

Location & Zoning

Street Address	173 OPIO RD
City	HILO
State	HI
Zip	96720-5756
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	5C
Legal Description	LOT 9-A 49552 SF DES POR GR 7201 PANAEWA HEIGHTS S/D TOG/NONEXCL WATER LINE ESMT UND 3/19 INT IN LOT 20 (40-FT RDWY)
Legal Subdivision	PANAEWA HEIGHTS
Legal Lot Number	9-A
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	1
Census Block	1001
Census Tract	20900

Owner

Source: State of Hawaii and Hawaii County records, as of June 17, 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	PO BOX 560, PAPAIKOU, HI 96781-0560
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 15, 2025	Warranty Deed, Transfer TG
Dec 15, 2025	Warranty Deed, Transfer TG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Jun 27, 2016 · Amount on Record
Deed Book / Page	9480 / 378
Prior Transfer Date	May 24, 2002
Prior Transfer Doc	0000110963
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	173 OPIO RD, HILO, HI 96720-5756
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	FNTIC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A78930271
Date	Aug 11, 2021
Instrument	A-78930271

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAWAII HI
Recording Date	Dec 15, 2025
Property Address	173 OPIO RD, HILO, HI 96720-5756
Document Number	A9480000378
Instrument Date	Dec 10, 2025
Instrument	A-9480000378
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	TG

Transaction

Amount	Amount Recorded
Tax	$1,678.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4126, HILO, HI 96720-0126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 560, PAPAIKOU, HI 96781-0560

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAWAII HI
Recording Date	Dec 15, 2025
Property Address	173 OPIO RD, HILO, HI 96720-5756
Document Number	A9480000378
Instrument Date	Dec 10, 2025
Instrument	A-9480000378
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	TG

Transaction

Amount	Amount Recorded
Tax	$1,678.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4126, HILO, HI 96720-0126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 560, PAPAIKOU, HI 96781-0560

Tax Assessment & Valuation

Source: State of Hawaii and Hawaii County assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	Hawaii
County	Hawaii County
Unified School District	Hawaii Department of Education (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$807,500 (+23.81%) Land $262,500 Building $545,000	$807,500 (-) Land $262,500 Building $545,000
2025	$2,750.00 (+4.05%) Homeowner's exemption	$652,200 (+3%) Land $177,100 Building $475,100	$807,500 (+2.68%) Land $262,500 Building $545,000
2024		$633,200 (+2.99%) Land $177,100 Building $456,100	$786,400 (+5.56%) Land $262,500 Building $523,900
2023	$2,643.00 Homeowner's exemption	$614,800 Land $177,100 Building $437,700	$745,000 Land $257,400 Building $487,600

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 July 11, 2018 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	Aug 2018 · Hurricane Lane
Claims by Event	Hurricane Lane, Aug 2018 · 2 claims

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	Moderate above 60% of the US · lower than 74% of Hawaii
Wildfire Likelihood	0.1% 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	HILO serves 39,477 people · EPA ID HI0000101
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 1 ppb (2020–2022) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,850 / 2,850
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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