2098 Kinoole St, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 2098 Kinoole St, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 792 sqft · built 1975
Lot Size	0.234 acres (10,181 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2022)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-2-2-041-086`

Property Details

APN / Parcel Number

Primary APN	`3-2-2-041-086`
Alternative APNs	`3-2-2-041-086-0000` `220410860000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Architectural Style	Cottage
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	10,181 sqft (0.234 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2098 KINOOLE ST
City	HILO
State	HI
Zip	96720-5326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1B
Legal Description	LOT 6-D 10,181 SF DES POR GR 10675 WAIAKEA HOMESTEAD HOUSE LOTS
Legal Subdivision	WAIAKEA HMSTD. HOUSELOTS
Legal Lot Number	6-D
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	1
Census Block	1003
Census Tract	20701

Owner

Source: State of Hawaii and Hawaii County records · APN 3-2-2-041-086

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	151 ROSE ST, A, WAHIAWA, HI 96786-2365
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	202283620445
Prior Transfer Date	Sep 09, 2015
Prior Transfer Doc	0057321335
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAWAII HI
Recording Date	Nov 23, 2022
Property Address	2098 KINOOLE ST, HILO, HI 96720-5326
Document Number	0A83620445
Instrument Date	Nov 18, 2022
Instrument	A-83620445
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	FIRST AMERICAN TITLE, FAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	151 ROSE ST APT A, A, WAHIAWA, HI 96786-2365

Mortgage

Document Number	0A83620446
Date	Nov 23, 2022
Instrument	A-83620446

Lender

Name	AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: State of Hawaii and Hawaii County records · Assessment roll updated August 6, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$377,400 (+1.48%) Land $232,000 Building $145,400	$377,400 (+1.48%) Land $232,000 Building $145,400
2025	$4,128.00 (+14.54%)	$371,900 (+21.3%) Land $226,500 Building $145,400	$371,900 (+21.3%) Land $226,500 Building $145,400
2024		$306,600 (-5.57%) Land $167,900 Building $138,700	$306,600 (-5.57%) Land $167,900 Building $138,700
2023	$3,604.00	$324,700 Land $195,700 Building $129,000	$324,700 Land $195,700 Building $129,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 11, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2000 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 90% of Hawaii
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	2,850 / 2,850
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 410 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HILO serves 39,477 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.