27 E Palai St, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 27 E Palai St, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 880 sqft · built 1967
Lot Size	0.232 acres (10,112 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Apr 2025)
Tax Bill	$200 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`3-2-2-042-138`

Property Details

APN / Parcel Number

Primary APN	`3-2-2-042-138`
Alternative APNs	`3-2-2-042-138-0000` `220421380000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
Gross Area	1,507 sqft
1st Floor Area	880 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	10,112 sqft (0.232 acres)
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	849 sqft

Location & Zoning

Street Address	27 E PALAI ST
City	HILO
State	HI
Zip	96720-5651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1B
Legal Description	LOT 27 10,112 SF FP 950 HALE PUA S/D
Legal Subdivision	HALE PUA SUBDIVISION
Legal Lot Number	27
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	2
Census Block	2006
Census Tract	20701

Owner

Source: State of Hawaii and Hawaii County records, as of August 6, 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	27 E PALAI ST, HILO, HI 96720-5651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2024	Deed of Trust, Mortgage · Line of Credit AMERICAN SAVINGS BANK FSB
Apr 21, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SAVINGS BANK FSB
Feb 10, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2025 · Amount on Record
Deed Sale	Apr 21, 2025 · Amount on Record
Deed Book / Page	9242 / 412
Prior Transfer Date	Feb 3, 2025
Prior Transfer Doc	9172000266
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	27 E PALAI ST, HILO, HI 96720-5651
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	TG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A9091000163
Date	Nov 21, 2024
Instrument	A-9091000163

Lender

Name	AMERICAN SAVINGS BANK FSB
Type	Bank
Address	HONOLULU, HI 96817

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAWAII HI
Recording Date	Apr 21, 2025
Property Address	27 E PALAI ST, HILO, HI 96720-5651
Document Number	A9242000412
Instrument Date	Apr 16, 2025
Instrument	A-9242000412
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	TG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 E PALAI ST, HILO, HI 96720-5651

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11 AIKANE RD # 11A, 11A, HILO, HI 96720

Mortgage

Document Number	A9242000413
Date	Apr 21, 2025
Instrument	A-9242000413

Lender

Name	AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2035
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	Other
Max Rate	11%

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAWAII HI
Recording Date	Feb 10, 2025
Property Address	27 E PALAI ST, HILO, HI 96720-5651
Document Number	A9172000266
Instrument Date	Feb 3, 2025
Instrument	A-9172000266
Transaction Type	Transfer
Record Updated	Apr 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	27 E PALAI ST, HILO, HI 96720-5651

Tax Assessment & Valuation

Source: State of Hawaii and Hawaii County assessment roll, as of August 6, 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		$414,700 (+115.65%) Land $231,800 Building $182,900	$414,700 (+1.34%) Land $231,800 Building $182,900
2025	$200.00 (-6.98%) Homeowner's exemption	$192,300 (+3%) Land $54,800 Building $137,500	$409,200 (+19.34%) Land $226,300 Building $182,900
2024		$186,700 (+2.98%) Land $54,800 Building $131,900	$342,900 (-4.32%) Land $167,700 Building $175,200
2023	$215.00 Homeowner's exemption	$181,300 Land $54,800 Building $126,500	$358,400 Land $195,400 Building $163,000

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 July 11, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Nov 2000 · Severe Storms And Flooding

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	Low lower than 80% of the US · lower than 93% of Hawaii
Wildfire Likelihood	0.02% 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.

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 311 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

May also be available: T-Mobile.

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