990 Ainalako Rd, Hilo, HI 96720 Property Records

State of Hawaii and Hawaii County property record for 990 Ainalako Rd, Hilo, HI 96720

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 2018
Lot Size	3.18 acres (138,695 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Oct 2017)
Tax Bill	$1,566 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-2-4-004-135`

Property Details

APN / Parcel Number

Primary APN	`3-2-4-004-135`
Alternative APNs	`3-2-4-004-135-0000` `240041350000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Metal
Lot Area	138,695 sqft
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft

Location & Zoning

Street Address	990 AINALAKO RD
City	HILO
State	HI
Zip	96720-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5C
Legal Description	LOT 8-B-3 3.184 AC DES POR GR 11320
Legal Subdivision	WAIAKEA HOMESTEADS 3RD SERIES
Legal Lot Number	8-B-3
Jurisdiction	HAWAII HI
Township / Civil Division	HILO
Census Block Group	3
Census Block	3001
Census Tract	20900

Owner

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	990 AINALAKO RD, HILO, HI 96720-3719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2018	Deed of Trust, Mortgage · VA Mortgage PLAZA HOME MORTGAGE INC
Oct 2, 2017	Warranty Deed, Construction Loan · Construction Mortgage TG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Sep 22, 2005 · Amount on Record
Deed Document Number	201764840284
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	990 AINALAKO RD, HILO, HI 96720-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A74040299
Date	Apr 9, 2020
Instrument	A-74040299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWAII HI
Property Address	990 AINALAKO RD, HILO, HI 96720-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A67790192
Date	Jul 24, 2018
Instrument	A-67790192

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	HONOLULU, HI 96813

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

October 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAWAII HI
Recording Date	Oct 2, 2017
Property Address	990 AINALAKO RD, HILO, HI 96720-3719
Document Number	0A64840284
Instrument Date	Sep 22, 2017
Instrument	A-64840284
Transaction Type	Construction Loan
Record Updated	Feb 6, 2021
Title Company	TG

Transaction

Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 HOOMALU ST, 201, HILO, HI 96720-3317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	146 KUAKOLU PL, HILO, HI 96720-1323

Mortgage

Document Number	, A-64840285
Date	Oct 2, 2017
Instrument	A-64840285

Lender

Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 31, 2018

Tax Assessment & Valuation

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		$403,300 (+2.99%) Land $1,700 Building $401,600	$779,300 (+6.71%) Land $375,700 Building $403,600
2025	$1,566.00 (-28.1%)	$391,600 (+3%) Land $1,700 Building $389,900	$730,300 (+8.13%) Land $326,700 Building $403,600
2024		$380,200 (+7.49%) Land $1,700 Building $378,500	$675,400 (+8.6%) Land $296,900 Building $378,500
2023	$2,178.00	$353,700 Land $1,700 Building $352,000	$621,900 Land $269,900 Building $352,000

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

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	37 (1980–2013)
Claims Outside the SFHA	14 of 37
Most Recent Claim	Dec 2013 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Nov 2000 · 9 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 41% 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.

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 22 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

Cell Coverage

5G (outdoors only) and 4G LTE

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