State of Hawaii and Hawaii County property record for 65-1146 Spencer Rd, Kamuela, HI 96743
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,712 sqft · built 1950 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $10,975 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-6-5-004-017 |
| Primary APN | 3-6-5-004-017 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,712 sqft Living Area |
| Gross Area | 2,012 sqft |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 300 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 232 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 65-1146 SPENCER RD |
|---|---|
| City | KAMUELA |
| State | HI |
| Zip | 96743-8483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 5A |
| Legal Description | 10890 SF DES RP 7241 LCAW 3684 TOG/UND 1/2 INT IN NON-EXCL ESMT |
| Legal Subdivision | WAIMEA HOMESTEADS |
| Jurisdiction | HAWAII HI |
| Township / Civil Division | SOUTH KOHALA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 21705 |
65-1146 Spencer Rd is owned by an individual who acquired it in April 2013.
Source: State of Hawaii and Hawaii County records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 658 KAIMALINO ST, KAILUA, HI 96734-1613 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2013 |
| Deed Sale | Apr 19, 2013 |
| Prior Sale | Jul 26, 2001 · Amount on File |
| Deed Document Number | 201348570281 |
| Prior Transfer Date | Dec 22, 2009 |
| Prior Transfer Doc | 0000006842 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 65-1146 Spencer Rd was $10,975.
Source: State of Hawaii and Hawaii County assessment roll, as of June 17, 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 | $988,800 (-) Land $560,400 Building $428,400 | $988,800 (-) Land $560,400 Building $428,400 | |
| 2025 | $10,975.00 | $988,800 (+5%) Land $560,400 Building $428,400 | $988,800 (+5%) Land $560,400 Building $428,400 |
| 2024 | $941,700 (+3.09%) Land $533,500 Building $408,200 | $941,700 (+3.09%) Land $533,500 Building $408,200 | |
| 2023 | $10,139.00 | $913,500 Land $533,500 Building $380,000 | $913,500 Land $533,500 Building $380,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 65-1146 Spencer Rd 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Jan 2020 · rainfall accumulation |
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 65-1146 Spencer Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 68% of Hawaii |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTH KOHALA serves 9,612 people · EPA ID HI0000130 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| 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 | 1 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 161 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 |
| Starlink Satellite | 280 / 30 |
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