520 Lama St, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 520 Lama St, Hilo, HI 96720

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2 ba · 1,643 sqft · built 1963
Lot Size	1.81 acres (78,844 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Sep 2020)
Tax Bill	$4,770 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-2-2-051-006`

Property Details

APN / Parcel Number

Primary APN	`3-2-2-051-006`
Alternative APNs	`3-2-2-051-006-0000` `220510060000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,643 sqft Gross Area
1st Floor Area	1,643 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	78,844 sqft
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	520 LAMA ST
City	HILO
State	HI
Zip	96720-5830
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	5C
Legal Description	LOT 27 1.81 AC PANAWEA HOUSE LOTS
Legal Subdivision	PANAEWA HOUSELOTS
Legal Lot Number	27
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	2
Census Block	2050
Census Tract	20600

Owner

520 Lama St, an agricultural property, is owned by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2668 KILAUEA AVE, HILO, HI 96720-5615
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Sep 18, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Deed Document Number	202075660261
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	520 LAMA ST, HILO, HI 96720-5830
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	TG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A84740124
Date	Mar 15, 2023
Instrument	A-84740124

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	520 LAMA ST, HILO, HI 96720-5830
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	TG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A78710187
Date	Jul 20, 2021
Instrument	A-78710187

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAWAII HI
Recording Date	Sep 18, 2020
Property Address	520 LAMA ST, HILO, HI 96720-5830
Document Number	0A75660261
Instrument Date	Sep 10, 2020
Instrument	A75660261
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2668 KILAUEA AVE HILO HI 967205615, HILO, HI 96720-5615

Tax Assessment & Valuation

The 2025 property tax bill for 520 Lama St was $4,770.

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		$524,400 (+2.78%) Land $293,600 Building $230,800	$524,400 (+2.78%) Land $293,600 Building $230,800
2025	$4,770.00	$510,200 (-3.57%) Land $279,400 Building $230,800	$510,200 (-3.57%) Land $279,400 Building $230,800
2024		$529,100 (+3.04%) Land $307,500 Building $221,600	$529,100 (+3.04%) Land $307,500 Building $221,600
2023	$4,801.00 Homeowner's exemption	$513,500 Land $307,500 Building $206,000	$513,500 Land $307,500 Building $206,000

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

Flood

FEMA maps place 520 Lama St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1981–2014)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2014 · Tropical Storm Iselle

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 520 Lama St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 79% of Hawaii
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 32 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

Cell Coverage

5G and 4G LTE (outdoors only)

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