5281 Lower Kula Rd, Kula, HI 96790 Property Records

State of Hawaii and Maui County property record for 5281 Lower Kula Rd, Kula, HI 96790

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,160 sqft · built 1990
Lot Size	5.2 acres (226,512 sqft)
Owner	Individual Name on File
Tax Bill	$1,930 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit May 2019 Mortgage + 3 more
APN	`2-2-012-004-0001`

Property Details

APN / Parcel Number

Primary APN	`2-2-012-004-0001`
Alternative APN	`2-2-2-012-004-0001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	660 sqft
Finished Basement	660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	226,512 sqft
Garage Area	484 sqft
Deck Area	572 sqft
Patio Area	572 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	5281 LOWER KULA RD
City	KULA
State	HI
Zip	96790-7712
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	2
Legal Description	UNIT 1 NAALAE MAUKA CONDOMINIUM CM 5039 TOG/USE OF LAND AREA & POR OF DRIVEWAY & MB UND 65% INT IN COMM ELEM & LAND
Legal Subdivision	UNIT 1 NAALAE MAUKA CONDOMINIUM CM
Legal Unit	1
Jurisdiction	MAUI HI
Township / Civil Division	KULA
Census Block Group	2
Census Block	2004
Census Tract	30305

Owner

5281 Lower Kula Rd, a condominium, is owned and occupied by an individual who acquired it in September 2020.

Source: State of Hawaii and Maui County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 92, KULA, HI 96790-0092
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 11, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF HAWAII
May 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 23, 2020
Transfer Doc	0076040589
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAUI HI
Property Address	5281 LOWER KULA RD, KULA, HI 96790-7712
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	NOT AVAILABLE, TG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	NAALAE MAUKA CONDOMINIUM

Mortgage

Document Number	0A77400150
Date	Mar 11, 2021
Instrument	A-77400150

Lender

Name	BANK OF HAWAII
Type	Bank
Address	HONOLULU, HI 96803

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAUI HI
Property Address	5281 LOWER KULA RD, KULA, HI 96790-7712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	NAALAE MAUKA CONDOMINIUM

Mortgage

Document Number	0A70890098
Date	May 30, 2019
Instrument	A-70890098

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAUI HI
Property Address	5281 LOWER KULA RD, KULA, HI 96790-7712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	NAALAE MAUKA CONDOMINIUM

Mortgage

Document Number	0A76000261
Date	Oct 22, 2020
Instrument	A-76000261

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MAUI HI
Recording Date	Oct 26, 2020
Property Address	5281 LOWER KULA RD, KULA, HI 96790-7712
Document Number	0A76040589
Instrument Date	Oct 23, 2020
Instrument	A76040589
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	PO BOX 92 KULA HI 967900092, KULA, HI 96790-0092

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MAUI HI
Recording Date	Mar 15, 2019
Property Address	5281 LOWER KULA RD, KULA, HI 96790-7712
Document Number	0A70130772
Instrument Date	Mar 12, 2019
Instrument	A70130772
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 92 KULA HI 967900092, KULA, HI 96790-0092

Tax Assessment & Valuation

The 2026 property tax bill for 5281 Lower Kula Rd was $1,930 with a homeowner's exemption, down 8.4% from the year before.

Source: State of Hawaii and Maui County assessment roll, as of August 12, 2026

Property Jurisdictions

Type	Name
State	Hawaii
County	Maui County
Unified School District	Hawaii Department of Education (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,930.00 (-8.36%) Homeowner's exemption	$1,470,100 Land $870,800 Building $599,300	$2,190,800 Land $1,591,500 Building $599,300
2025	$2,106.00
2023	$1,701.00 (+4.36%) Homeowner's exemption	$1,195,300 (+17.75%) Land $653,300 Building $542,000	$1,735,600 (+19.93%) Land $1,193,600 Building $542,000
2022	$1,630.00 Homeowner's exemption	$1,015,100 Land $522,800 Building $492,300	$1,447,200 Land $954,900 Building $492,300

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

Flood

FEMA has no flood map on file for 5281 Lower Kula Rd; 6 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force

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 5281 Lower Kula Rd is moderate, ranking above 52% 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 52% of the US · lower than 81% of Hawaii
Wildfire Likelihood	0.1% 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	UPPER KULA serves 7,686 people · EPA ID HI0000215
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2017–2019) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 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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