State of Hawaii and Hawaii County property record for 95 E Palai St, Hilo, HI 96720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 824 sqft · built 1943 |
| Lot Size | 0.188 acres (8,168 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $700 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 3-2-2-045-061 |
| Primary APN | 3-2-2-045-061 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| 1st Floor Area | 824 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,168 sqft (0.188 acres) |
| Garage Area | 105 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 95 E PALAI ST |
|---|---|
| City | HILO |
| State | HI |
| Zip | 96720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1B |
| Legal Description | LOT A 8168 SF DES |
| Legal Subdivision | WAIAKEA HMSTD. HOUSELOTS |
| Legal Lot Number | A |
| Jurisdiction | HAWAII HI |
| Township / Civil Division | HILO |
| Census Block Group | 4 |
| Census Block | 4038 |
| Census Tract | 20600 |
Source: State of Hawaii and Hawaii County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 11 POHAI ST, HILO, HI 96720-5224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: State of Hawaii and Hawaii County assessment roll, as of August 6, 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 | $261,000 (+3%) Land $170,500 Building $90,500 | $314,400 (+1.75%) Land $223,900 Building $90,500 | |
| 2025 | $700.00 (-62.88%) | $253,400 (+3.01%) Land $162,900 Building $90,500 | $309,000 (+25.61%) Land $218,500 Building $90,500 |
| 2024 | $246,000 (-6.39%) Land $162,000 Building $84,000 | $246,000 (-6.39%) Land $162,000 Building $84,000 | |
| 2023 | $1,886.00 | $262,800 Land $184,700 Building $78,100 | $262,800 Land $184,700 Building $78,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 11, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 5 (1979–2018) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Aug 2018 · Hurricane Lane |
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.
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 | 0.03% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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