State of Hawaii and Hawaii County property record for 446 Ainaola Dr, Hilo, HI 96720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 800 sqft · built 1975 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $466,000 (Feb 2026) |
| Tax Bill | $3,842 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Feb 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-2-4-027-031 |
| Primary APN | 3-2-4-027-031 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 800 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Area | 375 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 446 AINAOLA DR |
|---|---|
| City | HILO |
| State | HI |
| Zip | 96720-3305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1C |
| Legal Description | LOT 1 10,000 SF DES POR LPGR 11418 & 12146 KIHARA S/D |
| Legal Subdivision | WAIAKEA HOMESTEADS |
| Legal Lot Number | 1 |
| Jurisdiction | HAWAII HI |
| Township / Civil Division | HILO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20702 |
446 Ainaola Dr is held in a trust since February 2026.
Source: State of Hawaii and Hawaii County records, as of August 26, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
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 1, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 9, 2026 | Warranty Deed, Transfer OR |
| Feb 9, 2026 | Warranty Deed, Transfer OR |
| Apr 21, 2025 | Commissioner's Deed, Foreclosure · Construction Mortgage LENDINGONE LLC |
| Feb 16, 2017 | Loan Modification, Mortgage · Conventional Mortgage BANK/NEW YORK M #2003-WF1 (CE) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2026 · Amount on File |
| Deed Sale | Feb 9, 2026 · Amount on File |
| Prior Sale | Apr 21, 2025 · Amount on File |
| Deed Book / Page | 9536 / 294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAWAII HI |
| Recording Date | Jul 1, 2026 |
| Property Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Number | 9678000674 |
| Book / Page | 9678 / 674 |
| Instrument Date | May 14, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAWAII HI |
| Recording Date | Feb 9, 2026 |
| Property Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Number | A9536000294 |
| Instrument Date | Feb 4, 2026 |
| Instrument | A-9536000294 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | OR |
| Amount | Amount on Record |
|---|---|
| Tax | $466.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2093 PHILADELPHIA PIKE, CLAYMONT, DE 19703-2424 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 1963, KAILUA KONA, HI 96745-1963 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAWAII HI |
| Recording Date | Feb 9, 2026 |
| Property Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Number | A9536000294 |
| Instrument Date | Feb 4, 2026 |
| Instrument | A-9536000294 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2026 |
| Title Company | OR |
| Amount | Amount on Record |
|---|---|
| Tax | $466.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2093 PHILADELPHIA PIKE, CLAYMONT, DE 19703-2424 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 1963, KAILUA KONA, HI 96745-1963 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | HAWAII HI |
| Recording Date | Apr 21, 2025 |
| Property Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Number | A9242000552 |
| Instrument Date | Apr 4, 2025 |
| Instrument | A-9242000552 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 30, 2026 |
| Title Company | OLD REPUBLIC TITLE AND ESCROW/HI, OLD REPUBLIC TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4475, HILO, HI 96720-0475 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2093 PHILADELPHIA PIKE # 5041, CLAYMONT, DE 19703-2424 |
| Document Number | A9242000553 |
|---|---|
| Date | Apr 21, 2025 |
| Instrument | A-9242000553 |
| Name | LENDINGONE LLC |
|---|---|
| Type | Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAWAII HI |
| Property Address | 446 AINAOLA DR, HILO, HI 96720-3305 |
| Document Number | 0A62910883 |
| Instrument Date | Feb 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 446 AINAOLA DR HILO HI 967203305, HILO, HI 96720-3305 |
| Document Number | 0A62910883 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | A62910883 |
| Name | BANK/NEW YORK M #2003-WF1 (CE) |
|---|---|
| Address | LOS ANGELES, CA 90017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 384 Months |
| Due | Mar 22, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
The 2025 property tax bill for 446 Ainaola Dr was $3,842.
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 | $356,500 (+2.98%) Land $215,100 Building $141,400 | $356,500 (+2.98%) Land $215,100 Building $141,400 | |
| 2025 | $3,842.00 Homeowner's exemption | $346,200 (+7.88%) Land $204,800 Building $141,400 | $346,200 (+7.88%) Land $204,800 Building $141,400 |
| 2024 | $320,900 (+7.18%) Land $185,800 Building $135,100 | $320,900 (+7.18%) Land $185,800 Building $135,100 | |
| 2023 | $3,323.00 Homeowner's exemption | $299,400 Land $173,700 Building $125,700 | $299,400 Land $173,700 Building $125,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 Ainaola Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 6 (1989–2000) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Nov 2000 · Severe Storms And Flooding |
| Claims by Event |
|
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 446 Ainaola Dr is low, with a 0.02% annual chance of 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.
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 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 |
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