State of Hawaii and Hawaii County property record for 2589 Kinai St, Hilo, HI 96720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1972 |
| Lot Size | 0.24 acres (10,448 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Aug 2021) |
| Tax Bill | $1,411 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Jul 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-2-2-046-044 |
| Primary APN | 3-2-2-046-044 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,448 sqft (0.24 acres) |
| Garage Type | Carport |
| Garage Area | 520 sqft |
| Carport | Carport |
| Carport Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Street Address | 2589 KINAI ST |
|---|---|
| City | HILO |
| State | HI |
| Zip | 96720-5618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1B |
| Legal Description | LOT 14E-2B 10448 SF DES BLK 801 POR LPGR 10873 WAIAKEA HOMESTEADS TOG/UND 1/4 INT IN RDWY DES |
| Legal Subdivision | WAIAKEA HMSTD. HOUSELOTS |
| Legal Block | 801 |
| Legal Lot Number | 14E-2 |
| Jurisdiction | HAWAII HI |
| Township / Civil Division | HILO |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 20600 |
2589 Kinai St is owned and occupied by an individual who bought it in August 2021.
Source: State of Hawaii and Hawaii County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 6330, HILO, HI 96720-8926 |
| 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.
| Date | Document |
|---|---|
| Jul 22, 2025 | Deed of Trust, Mortgage · Line of Credit HFS FEDERAL CU |
| Jul 17, 2024 | Deed of Trust, Mortgage · Line of Credit HFS FEDERAL CU |
| Aug 6, 2021 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2021 · Amount on File |
| Deed Sale | Aug 6, 2021 · Amount on File |
| Prior Sale | Sep 18, 2007 · Amount on File |
| Deed Document Number | 202178880233 |
| Prior Transfer Date | Nov 10, 1999 |
| Prior Transfer Doc | 0000182528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAWAII HI |
| Property Address | 2589 KINAI ST, HILO, HI 96720-5618 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | A9334000670 |
|---|---|
| Date | Jul 22, 2025 |
| Instrument | A-9334000670 |
| Name | HFS FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | HILO, HI 96720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 31, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAWAII HI |
| Property Address | 2589 KINAI ST, HILO, HI 96720-5618 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Title Company | FIRST AMERICAN TITLE, FAM |
| Name | Verified Name |
|---|
| Document Number | 0A89640391 |
|---|---|
| Date | Jul 17, 2024 |
| Instrument | A-89640391 |
| Name | HFS FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | HILO, HI 96720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 31, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAWAII HI |
| Recording Date | Aug 6, 2021 |
| Property Address | 2589 KINAI ST, HILO, HI 96720-5618 |
| Document Number | 0A78880233 |
| Instrument Date | Aug 3, 2021 |
| Instrument | A-78880233 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2026 |
| Title Company | FIRST AMERICAN TITLE, FAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2589 KINAI ST, HILO, HI 96720-5618 |
| Document Number | 0A78880234 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | A-78880234 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 2589 Kinai St was $1,411 with a homeowner's exemption.
Source: State of Hawaii and Hawaii County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Hawaii |
| County | Hawaii County |
| Unified School District | Hawaii Department of Education (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $369,800 (+3.01%) Land $181,500 Building $188,300 | $421,100 (+1.32%) Land $232,800 Building $188,300 | |
| 2025 | $1,411.00 | $359,000 (+3.01%) Land $170,700 Building $188,300 | $415,600 (+19.25%) Land $227,300 Building $188,300 |
| 2024 | $348,500 (-4.31%) Land $168,400 Building $180,100 | $348,500 (-4.31%) Land $168,400 Building $180,100 | |
| 2023 | $1,484.00 | $364,200 Land $196,700 Building $167,500 | $364,200 Land $196,700 Building $167,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2589 Kinai St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 File median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 5 (1979–2018) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Aug 2018 · Hurricane Lane |
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 risk around 2589 Kinai St is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Hawaii |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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