405 Ainako Ave, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 405 Ainako Ave, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,300 sqft · built 1958
Lot Size	0.47 acres (20,452 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2003)
Tax Bill	$3,756 (2025)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-2-5-021-001`

Property Details

APN / Parcel Number

Primary APN	`3-2-5-021-001`
Alternative APNs	`3-2-5-021-001-0000` `250210010000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,300 sqft Living Area
Gross Area	2,836 sqft
1st Floor Area	1,850 sqft
Basement Area	450 sqft
Finished Basement	90 sqft
Unfinished Basement	360 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	20,452 sqft (0.47 acres)
Garage Type	Attached
Garage Area	536 sqft
Parking Spaces	5 Parking Spaces
Deck Area	Deck Area
Patio Area	270 sqft

Location & Zoning

Street Address	405 AINAKO AVE
City	HILO
State	HI
Zip	96720-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1C
Legal Description	LOT 4 20452 SF BLK 11 FP 433 AINAKO S/D SERIES 3
Legal Subdivision	AINAKO SUBDIVISION
Legal Block	11
Legal Lot Number	4
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	3
Census Block	3001
Census Tract	20802

Owner

405 Ainako Ave is owned and occupied by an individual who bought it in April 2003.

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

Owner of Record	Individual Name on File
Mailing Address	405 AINAKO AVE, HILO, HI 96720-1607
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2003 · Amount on File
Deed Sale	Apr 16, 2003 · Amount on File
Prior Sale	Sep 7, 2001 · Amount on File
Deed Document Number	200370322
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	405 AINAKO AVE, HILO, HI 96720-1607
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A86220615
Date	Aug 10, 2023
Instrument	A-86220615

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 405 Ainako Ave was $3,756 with a homeowner's exemption.

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		$560,200 (+2.15%) Land $244,800 Building $315,400	$560,200 (+2.15%) Land $244,800 Building $315,400
2025	$3,756.00	$548,400 (+8.32%) Land $233,000 Building $315,400	$548,400 (+8.32%) Land $233,000 Building $315,400
2024		$506,300 (+7.29%) Land $202,800 Building $303,500	$506,300 (+7.29%) Land $202,800 Building $303,500
2023	$3,024.00 (-4.27%)	$471,900 Land $189,600 Building $282,300	$471,900 Land $189,600 Building $282,300
2022	$3,159.00

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

Flood

FEMA maps place 405 Ainako Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2018)
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

Wildfire risk around 405 Ainako Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Hawaii
Wildfire Likelihood	0.04% 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 209 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 · Fiber in parts of the area	1,000 / 1,000