646 Malae Pl, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 646 Malae Pl, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,849 sqft · built 2006
Lot Size	1.33 acres (58,109 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Nov 2004)
Tax Bill	$2,833 (2025)
Deeds & Mortgages	May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-2-4-076-038`

Property Details

APN / Parcel Number

Primary APN	`3-2-4-076-038`
Alternative APNs	`3-2-4-076-038-0000` `240760380000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,849 sqft Living Area
Gross Area	2,029 sqft
1st Floor Area	1,849 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Other
Lot Area	58,109 sqft
Garage Area	624 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	180 sqft

Location & Zoning

Street Address	646 MALAE PL
City	HILO
State	HI
Zip	96720-3427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5A
Legal Description	LOT 3 58126 SF DES POR LPGR 9460 KUPULAU MEADOWS S/D PHASE II TOG/ESMT SUBJ ESMTS
Legal Subdivision	KUPULAU MEADOWS
Legal Phase	2
Legal Lot Number	3
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	1
Census Block	1006
Census Tract	20801

Owner

646 Malae Pl is owned and occupied by an individual who bought it in November 2004.

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

Owner of Record	Individual Name on File
Mailing Address	646 MALAE PL, HILO, HI 96720-3427
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2004 · Amount on File
Deed Sale	Nov 12, 2004 · Amount on File
Deed Document Number	2004228273
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	646 MALAE PL, HILO, HI 96720-3427
Document Number	0A70740729
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 MALAE PL HILO HI 967203427, HILO, HI 96720-3427

Mortgage

Document Number	0A70740729
Date	May 15, 2019
Instrument	A70740729

Lender

Name	BANK OF HI
Type	Bank
Address	HONOLULU, HI 96803

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 646 Malae Pl was $2,833 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		$645,000 (+3%) Land $198,000 Building $447,000	$877,500 (+2.3%) Land $414,300 Building $463,200
2025	$2,833.00	$626,200 (+2.99%) Land $198,000 Building $428,200	$857,800 (+2.25%) Land $394,600 Building $463,200
2024		$608,000 (+3%) Land $198,000 Building $410,000	$838,900 (+7.28%) Land $394,500 Building $444,400
2023	$2,707.00 Homeowner's exemption	$590,300 Land $198,000 Building $392,300	$782,000 Land $368,700 Building $413,300

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

Flood

FEMA maps place 646 Malae Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2000 · Severe Storms And Flooding

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 646 Malae Pl is moderate, ranking above 61% 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 61% of the US · lower than 72% 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 71 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 / 35
T-Mobile Fixed Wireless	100 / 20