686 Hinano St, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 686 Hinano St, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1983
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$147,000 (Dec 2002)
Tax Bill	$6,522 (2025)
Deeds & Mortgages	Feb 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-2-2-036-033`

Property Details

APN / Parcel Number

Primary APN	`3-2-2-036-033`
Alternative APNs	`3-2-2-036-033-0000` `220360330000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	22,500 sqft (0.517 acres)
Garage Type	Carport
Garage Area	690 sqft
Carport	Carport
Carport Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	322 sqft

Location & Zoning

Street Address	686 HINANO ST
City	HILO
State	HI
Zip	96720-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1B
Legal Description	LOT 16 22,500 SF BLK 27 LP 8713 WAIAKEA HOUSE LOTS
Legal Subdivision	WAIAKEA HOUSELOTS-1ST SER.
Legal Block	27
Legal Lot Number	16
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	4
Census Block	4022
Census Tract	20500

Owner

686 Hinano St is owned by two individuals who acquired it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1636 HALELOKE ST, HILO, HI 96720-1559
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	2 Names on Deed
Last Sale	Dec 20, 2002 · Amount on File
Deed Sale	Dec 20, 2002 · Amount on File
Deed Document Number	2002227186
Last Transfer Date	Jan 28, 2025
Record Updated	Sep 20, 2026

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAWAII HI
Recording Date	Feb 5, 2025
Property Address	686 HINANO ST, HILO, HI 96720-4427
Document Number	A9167000096
Instrument Date	Jan 28, 2025
Instrument	A-9167000096
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	TG

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1636 HALELOKE ST, HILO, HI 96720-1559

Mortgage

Document Number	A9167000097
Date	Feb 5, 2025
Instrument	A-9167000097

Lender

Name	HFS FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 686 Hinano St was $6,522.

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		$596,200 (+1.46%) Land $372,400 Building $223,800	$596,200 (+1.46%) Land $372,400 Building $223,800
2025	$6,522.00	$587,600 (+142.91%) Land $363,800 Building $223,800	$587,600 (+14.63%) Land $363,800 Building $223,800
2024		$241,900 (+2.98%) Land $68,400 Building $173,500	$512,600 (+8.9%) Land $296,300 Building $216,300
2023	$200.00 Homeowner's exemption	$234,900 Land $68,400 Building $166,500	$470,700 Land $269,600 Building $201,100

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

Flood

FEMA maps place 686 Hinano St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	11 (1978–2018)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Aug 2018 · Hurricane Lane
Claims by Event	Hurricane Lane, Aug 2018 · 2 claims Severe Storms And Flooding, Nov 2000 · 8 claims

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 686 Hinano St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 307 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
T-Mobile Fixed Wireless	100 / 20