State of Hawaii and Honolulu County property record for 977 Prospect St, Honolulu, HI 96822
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 7 bd · 3.5 ba · 960 sqft · built 1956 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $990,000 (Aug 2023) |
| Tax Bill | $3,896 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-2-4-015-031 |
| Primary APN | 1-2-4-015-031 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 1,052 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,001 sqft (0.115 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 148 sqft |
| Cooling System | Central |
|---|
| Street Address | 977 PROSPECT ST |
|---|---|
| City | HONOLULU |
| State | HI |
| Zip | 96822-3423 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | U/12/12 |
| Legal Description | LOT 1-B 5,001 SF MAP 3 LCAPP 895 TOG W/ESMTS |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | HONOLULU HI |
| Township / Civil Division | HONOLULU |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 3411 |
977 Prospect St, a residential property, is owned by an individual who bought it in August 2023.
Source: State of Hawaii and Honolulu County records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2525 MYRTLE ST, HONOLULU, HI 96816-3527 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage LANCE C S AND ADELE M LAU LIVING TRUST |
| Aug 15, 2023 | Warranty Deed, Transfer · Commercial Mortgage FINANCE FACTORS LTD |
| Oct 5, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on File |
| Deed Sale | Aug 15, 2023 · Amount on File |
| Prior Sale | Dec 22, 2014 · Amount on File |
| Deed Document Number | 2023T-12279042 |
| Prior Transfer Date | Sep 6, 2018 |
| Prior Transfer Doc | 0T10504280 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HONOLULU HI |
| Property Address | 977 PROSPECT ST, HONOLULU, HI 96822-3423 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0T12279044 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | T-12279044 |
| Name | LANCE C S AND ADELE M LAU LIVING TRUST |
|---|---|
| Type | Private Party |
| Address | 2525 MYRTLE ST, HONOLULU, HI 96816 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HONOLULU HI |
| Recording Date | Aug 15, 2023 |
| Property Address | 977 PROSPECT ST, HONOLULU, HI 96822-3471 |
| Document Number | 0T12279042 |
| Instrument Date | Aug 10, 2023 |
| Instrument | T-12279042 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Title Company | FIRST AMERICAN, FAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,475.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | HI |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2525 MYRTLE ST, HONOLULU, HI 96816-3527 |
| Document Number | 0T12279043 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | T-12279043 |
| Name | FINANCE FACTORS LTD |
|---|---|
| Type | Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
| Type Change Date | Oct 1, 2023 |
| Change Frequency | Monthly |
| Min Rate At Change | 9.12% |
| Max Rate At Change | 13.8% |
| Index | Other |
| Max Rate | 13.8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HONOLULU HI |
| Recording Date | Oct 5, 2018 |
| Property Address | 977 PROSPECT ST, HONOLULU, HI 96822-3471 |
| Document Number | 0T10504280 |
| Instrument Date | Sep 6, 2018 |
| Instrument | T10504280 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2525 MYRTLE ST HONOLULU HI 968163527, HONOLULU, HI 96816-3527 |
The 2026 property tax bill for 977 Prospect St was $3,896.
Source: State of Hawaii and Honolulu County assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | Hawaii |
| County | Honolulu County |
| Unified School District | Hawaii Department of Education (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,896.00 | $1,117,200 (+0.35%) Land $967,700 Building $149,500 | $1,117,200 (+0.35%) Land $967,700 Building $149,500 |
| 2025 | $3,896.00 (+0.21%) | $1,113,300 (+0.21%) Land $967,700 Building $145,600 | $1,113,300 (+0.21%) Land $967,700 Building $145,600 |
| 2024 | $3,888.00 (+0.34%) | $1,111,000 (+0.33%) Land $967,700 Building $143,300 | $1,111,000 (+0.33%) Land $967,700 Building $143,300 |
| 2023 | $3,875.00 (+4.96%) | $1,107,400 Land $967,700 Building $139,700 | $1,107,400 Land $967,700 Building $139,700 |
| 2022 | $3,692.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 977 Prospect St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 977 Prospect St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 90% of Hawaii |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | HNL-WINDWARD-PEARL HARBOR serves 631,389 people · EPA ID HI0000331 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2016–2018) 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 416 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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