357 Ainaola Dr, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 357 Ainaola Dr, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,208 sqft · built 1989
Lot Size	0.222 acres (9,650 sqft)
Owner	Company Name on File
Tax Bill	$466 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-2-4-026-048`

Property Details

APN / Parcel Number

Primary APN	`3-2-4-026-048`
Alternative APNs	`3-2-4-026-048-0000` `240260480000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	1,208 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Other
Lot Area	9,650 sqft (0.222 acres)
Garage Area	160 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	357 AINAOLA DR
City	HILO
State	HI
Zip	96720-5942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1C
Legal Description	LOT 21-A 9650 SF DES POR LP GR S-15701 WAIAKEA CAMP SITE 4-C
Legal Subdivision	CAMP 4-C
Legal Lot Number	21-A
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	3
Census Block	3004
Census Tract	20702

Owner

Source: State of Hawaii and Hawaii County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	357 AINAOLA DR, HILO, HI 96720-5942
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 10, 1996
Transfer Doc	0000178187
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	357 AINAOLA DR, HILO, HI 96720-5942
Document Number	0A73180474
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	357 AINAOLA DR HILO HI 967205942, HILO, HI 96720-5942

Mortgage

Document Number	0A73180474
Date	Jan 14, 2020
Instrument	A73180474

Lender

Name	FIRST HAWAIIAN BK
Type	Bank
Address	HONOLULU, HI 96847

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$210,300 (+2.99%) Land $78,900 Building $131,400	$508,600 (+4.67%) Land $254,800 Building $253,800
2025	$466.00 (+9.91%)	$204,200 (+2.98%) Land $78,900 Building $125,300	$485,900 (+6.58%) Land $232,100 Building $253,800
2024		$198,300 (+3.01%) Land $78,900 Building $119,400	$455,900 (+8.63%) Land $211,400 Building $244,500
2023	$424.00 Homeowner's exemption	$192,500 Land $78,900 Building $113,600	$419,700 Land $192,200 Building $227,500

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	5 (1981–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Dec 2013 · rainfall accumulation

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	0.01% annual chance
Exposure	None beyond ember reach

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 468 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
T-Mobile Fixed Wireless	100 / 20