How to Access Property Records in Hawaii
More than 1.4 million people live in Hawaii, with 546,213 homes, meaning hundreds of thousands of property records. Hawaii property records are generated by attorneys, courts, title companies, realtors, government agencies, and private companies. They are created primarily through real estate transactions and other transfer events and are maintained by a single statewide office. These reports are essential for verifying title and transferring ownership. They impact the local real estate market and homeowners.
Property records are helpful in many situations. When searching for them, you have two main options available: government and commercial sources. Try the methods below to see what works for you.
Government Sources
Unfortunately, land records are not stored in a single, easy-to-find location; they are scattered among many government offices, private companies, and the courts. Unlike most states, Hawaii has a single statewide recording office for deeds called the Bureau of Conveyances. If you need to file a new deed, you should visit them.
Hawaii's Real Property Tax Division is responsible for property taxes. They assess real estate, set tax rates, bill homeowners, and collect taxes. If you fail to pay your taxes, they will impose a tax lien on your property and may eventually foreclose
Hawaii city officials and public works departments handle building permits. They are required when constructing, altering, or demolishing any building. The city of Honolulu provides more information on applying for a building permit, including detailed instructions.
Online
You can sometimes find Hawaii property records online through government portals. You can start with a search on the Hawaii Real Property Tax Office portal.
As land documents grow, states like Hawaii often move older documents into archives, making room for new ones. The University of Hawaii Manoa provides detailed information on accessing historical property records from various sources.
In Person
Hawaii's property records are public, and the Bureau of Conveyances is responsible for providing them upon request. They may charge you a small fee for certified copies.
Unlike other states, there is only one location for the Bureau of Conveyances in Hawaii, and it is located at:
Kalanimoku Building
1151 Punchbowl St. #120
Honolulu, HI 96813
The state registrar is Leslie Kobata.
Commercial Sources
Commercial services make it easy to find property and related documents quickly, saving you a lot of time. You may also receive access to data beyond what is present in public filings when signing up. PropertyChecker.com offers nationwide property searches. Using PropertyChecker, you can search by address, parcel ID, owner's name, phone, or email, and you can save time by running unlimited statewide or local searches 24/7. Instead of visiting multiple websites or visiting local government offices, you can find all the data points you need in one comprehensive report.
Land Records in Hawaii
In Hawaii, all private real estate and land transaction documents are maintained by a single statewide office, the Bureau of Conveyances, housed under the Department of Land and Natural Resources in Honolulu. What makes Hawaii distinct is that it is the only U.S. state with a single central recording office for the entire geographic region, and it splits property records into two distinct legal systems: the Regular System and the Land Court system.
Unlike mainland states, which record property at the county level, Hawaii processes all island property transactions through a single state bureau. The Regular System is a "race-notice" public recording system. It accepts any proper real estate document for filing without verifying the absolute truth or soundness of the underlying title. Priority goes to whoever records it first. The Land Court System is a specialized Torrens registration system. Properties here require a specific court action to register title. The state ultimately guarantees the title as solid "against the whole world," issuing an official Certificate of Title to the owner.
Short Reference Guide: Where Records Are Kept & What Is Available
- Standard Deeds and Mortgages: Current and historical deeds, mortgages, and liens (dating back to 1845) are kept at the Bureau of Conveyances in Honolulu. They are available through its official online search portal.
- Māhele Records (1848 Land Division): Historical records of the mid-19th century division of land between the Hawaiian king, chiefs, and people (Māhele ʻĀina). Original award books, native/foreign testimony, and registers are housed at the Hawaii State Archives and the University of Hawaii.
- Royal Patent Grants: Records of government lands sold or granted to individuals following early land claims are preserved via the Hawaii State Archives and State Survey Division.
- Kuleana Claims: Specific records documenting small parcels awarded to native tenants for active cultivation between 1850 and 1855, containing valuable historical and genealogical residency details, are split between the State Archives and specialized local repositories.
Digital land and property records in Hawaii typically date back to1845. There is no variation between counties because Hawaii does not use local county recording offices; instead, all statewide real property transactions are centralized and maintained by the State Bureau of Conveyances. The State Bureau of Conveyances handles statewide document recording and digital searches through its online portal, with indexed electronic records dating back to 1845 for the Regular System and to the early 1900s for the Land Court System.
Each of the four counties (Honolulu, Hawaii, Kauai, and Maui) operates its own separate online property tax assessment site, which generally provides current ownership and assessment values rather than deep historical chain-of-title deeds.
In Hawaii, subdivision plats and file plans are filed with the State Bureau of Conveyances (or Land Court) and locally with each county planning department. They are not fully or immediately viewable for free via a single statewide online public search portal; digital copies must generally be requested directly through state/county agencies or specialized portals. Local subdivision approvals, plat maps, and zoning compliance are filed with the planning or public works department of the relevant county (e.g., City and County of Honolulu, County of Hawaii, County of Maui, or County of Kauai).
You cannot effortlessly browse all historical plat drawings on a single free public database. Counties provide interactive GIS mapping layers (showing Tax Map Key (TMK) parcels, zone boundaries, and basic historical splits), but actual stamped subdivision plat images often require a records request or an order for digital copies.
Rural and vacant parcels in Hawaii frequently rely on older metes-and-bounds descriptions, kuleana awards, or large-acreage subdivisions. Plats are essential to verify original corner coordinates and easements. Rural plats often explicitly show utility access, roadway ownership (or lack of dedicated county maintenance), and kuleana or ancient access rights.
Many vacant rural parcels sit within older subdivision designs where infrastructure was never fully built out. Reviewing the original subdivision plat alongside county zoning and subdivision files is vital to determining whether a vacant lot is legally buildable or lacks the infrastructure required for development.
For land records predating 1900 in Hawaii, the primary sources stem from the mid-19th-century privatization of land during the Hawaiian Kingdom. The core foundational records are the Mähele (Land Division of 1848), Land Commission Awards (LCAs), Royal Patents, and Government Grants, while subsequent property transactions and deeds are recorded at the Bureau of Conveyances. Hawaii State Archives houses the original pre-1900 "land files," native and foreign testimonies, and Board of Commissioners to Quiet Land Titles records.
What Are Property Records?
Property records in Hawaii are official documents, forms, and reports that contain information about real property and its owners. Some have more details than others, and many types may share similarities; there may be overlap among them.
Hawaii views land and property records the same. They are handled and maintained by the Bureau of Conveyances. The Bureau has a subscription-based website to look up land documents, but you must first set up an account to use it.
What Information Can You Find in Hawaii Property Records?
A property history search can reveal a wealth of information about real estate or its owners. You may be surprised at the details you find. Be sure to get as many documents as possible to see the entire story.
Some of the things that a history search may reveal include:
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Liens
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Tax Records
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Ownership History
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Mortgage / Loan Records
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Foreclosures
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Plat Maps
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Easements / Conveyances
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Property Details
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Zoning
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Building Permits
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Boundary Lines
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Assessed Values
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Deeds
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And More!
Who Looks Up Hawaii Property Records and Why
Reviewing public property records in Hawaii helps buyers, investors, and neighbors navigate unique local land systems, tax classifications, and ownership histories across the islands. They can assist in real-life scenarios like the ones detailed below:
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Homebuyer - A man is looking to buy an older single-family home in Kaimuki on Oahu. He checks the City and County of Honolulu's Real Property Assessment Division records using the property's Tax Map Key (TMK) to review the structural history and building classification. He needs to confirm whether past renovations comply with county permits, as unpermitted additions are common in that area and he wants to avoid any future insurance or resale problems.
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Investor - An investor analyzes a high-priced residential property on Maui that falls under the county's "Residential A" tax tier, which applies higher tax rates to luxury or non-owner-occupied homes. She uses Maui's public real property tax records to inspect historical assessment valuations and tax rate changes. This data matters to her because a steep tax increase can drastically alter her long-term rental yield and net operating income.
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Neighbor - A Hawaii native notices a new fence going up near her property line in Hilo on the Big Island, encroaching on an old shared driveway. She visits the county tax office's public mapping tool to look up certified Tax Map Key plat maps and survey notes. She needs to verify the exact boundary dimensions and easement records before talking to the new owners to prevent a permanent loss of access.
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Wholesale Buyer - A wholesale real estate buyer contracts off-market distressed properties and needs to vet a vacant lot in Puna with a murky ownership chain. He searches the statewide Bureau of Conveyances to trace the deed history across Hawaii's dual Land Court (Torrens) and Regular recording systems. He must verify that there are no hidden mechanics' liens, outstanding county tax liens, or unresolved probate issues that would block a clean transfer.
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Researcher - A researcher is documenting historic plantation-era plantation camps in Waimea, Kauai, and wants to see who originally owned a specific acre of land during the mid-1800s. He cross-references historical government land grants and Mahele award indexes tied to current parcel identifiers. This archival deep dive helps him accurately document the cultural and architectural evolution of the local community.
Types of Property Records in Hawaii
As you embark on your search for property records, you will come across many different types. Some include unique information, and others may overlap. The most common types you will find in Hawaii include:
Deeds and Conveyance Records
Deeds are the most common type of property record, and most people have heard of them. They transfer ownership of the property and verify the title. If you ever have to prove that you own a piece of land, you can use the deed to do so.
All parties must sign deeds, and a notary must witness them. Some of the information contained in deeds includes:
- Name of the Seller/Grantor and Buyer/Grantee.
- A detailed description of the property.
- Maps and plats, along with boundaries and sometimes surveys, showing the property's acreage and boundaries.
- Conveyance language explaining the ownership transfer from one person or entity to another.
- Notarization and execution are at the bottom, where everyone signs to finalize it.
Much of the language contained in deeds refers to the warranty implied or specified and the conveyance of the land from one or more parties to another.
Property Tax Records
Anyone who owns property must pay annual taxes on it. These taxes pay for schools, road maintenance, emergency services such as fire, police, and EMTs, and government officers' salaries.
The Real Property Tax Division in Hawaii is responsible for assessments, billing homeowners, and collecting taxes. Hawaii has the lowest taxes in the country, with an average effective tax rate of 0.27%. The median home price is $772,500.
The following information is present in a tax document in Hawaii:
- Assessment Details - This document shows the property's assessed value.
- Tax Rates - Different areas have different tax rates based on various factors.
- Property Details - The document must show the property being assessed and taxed.
- Tax Payment History - The document should show a list of tax contributions and when they were made.
- Exemptions - Some properties are exempt, and those details should appear on the tax record.
How Often is Property Tax in Hawaii Assessed?
Property tax assessment in Hawaii is performed annually. However, the exact time differs per county or city. For example, the city of Honolulu conducts tax assessments around December 15th.
- Property Inspections - County assessors conduct periodic inspections to gather information on the location, size, condition, and improvements of properties.
- Valuation - The assessors then determine the value based on various factors such as income generated, property sales, characteristics, and comparable sales.
- Assessment Notice - Assessors must send an assessment notice to the owner to inform them of any changes.
- Review and Appeal - Homeowners can appeal a tax-assessed value if the value exceeds 10% of the home's market value.
- Tax Calculation - Once the appeal process is complete, the assessor determines the taxes payable.
using our property tax calculator.
Building Permits and Regulations in Hawaii
City officials handle building permits in Hawaii. Each city has a process for obtaining a building permit before beginning work. The County of Hawaii in the state of Hawaii offers more information on this topic.
Property Liens and Encumbrances in Hawaii
Liens are encumbrances that negatively affect a piece of land and its owners. Too many liens can lower the home's value and ruin the owner's financial reputation. Liens appear in public property records. There are two types of liens: voluntary and involuntary.
Voluntary Liens
Voluntary liens are those over which you have control. When you decide to use your home as collateral for a loan, you allow the lender to place a lien on the property until it is paid off.
Anyone who borrows money will have a mortgage lien on their house. However, the lender will foreclose on the house if you do not pay your mortgage for 3 months or more.
The following sections are usually present in a standard mortgage document in Hawaii:
- Loan Terms - The document must specify the loan term and its duration.
- Loan Repayment Schedule - This document outlines the loan repayment schedule.
- Initial and Repayment Amount - The record shows the initial borrowed and payable amounts, as well as the interest rate.
- Parties' Details - The mortgage document must identify the parties, plus their responsibilities and rights.
Involuntary Liens
Involuntary liens are beyond your control and imposed against your will for a debt you owe. These are more serious and often result in foreclosure and the loss of your home.
- Mechanic's Liens - Contractors, subs, laborers, landscapers, architects, and material suppliers can use a mechanic's lien to collect a debt.
- Tax Liens - Everyone must pay annual taxes. If you fail to pay them, Hawaii's Real Property Tax Division can put a tax lien on your property.
- Judgment Liens - Creditors use judgment liens to collect a debt. If you owe a company money, they can impose a lien on your property.
The Process of Property Liens in Hawaii
The following is how to file a mechanic's lien in Hawaii:
- The first step is preparing the lien form. Claimants must enter the correct information to ensure validity.
- The claimant must attach a notice of lien to the form and file it in the circuit court clerk's office at the county level.
- Next, the claimant must serve a copy of the application and notice on the property owner and any individual interested in the real property.
- After 3 to 10 days from the application and notice service, the court holds a hearing to determine whether the lien can be attached to the property.
Easements and Covenants
Easements and covenants, which restrict land use, also appear frequently in land records. They usually accompany deeds.
Easements are rights-of-way that allow someone other than the owner to access the land at will for a specific purpose. An example would be a utility company with power lines on private land. The company can access the land and maintain its power lines without first asking for permission. If someone new buys the land, they must agree to this arrangement.
Covenants are restrictions on how homeowners can use the land. You will see these frequently in condo developments and gated communities. An example might be that all owners must use the same exterior paint color for their homes.
Plats and Surveys
Plats and surveys are different types of maps. Surveys show the boundaries of a single property and its map coordinates, while plats also show the boundaries of all the neighboring parcels.
The types of property surveys in Hawaii include:
- Boundary Surveys - Boundary surveys show the exact boundaries of a piece of land.
- ALTA Survey - An ALTA survey produces a detailed property map in accordance with the American Land Title Association (ALTA) standards.
- Topography Survey - This documents the property's elevations, natural terrain features, and artificial features.
Property Descriptions and Boundaries in Hawaii
Every property has its own legal description. This description includes map coordinates for easy location, a detailed written description, and natural landmarks.
Surveys are processes that measure land to determine the exact boundaries. They are used before new construction, when installing underground utilities, and in boundary disputes.
Boundary disputes are common and go back a long way. They occur when one landowner believes another is encroaching on their land. These disputes sometimes get heated and end up in court, where a judge must decide.
Foreclosures
Once a home is in foreclosure, this information will appear in property records. The house will be valued at a lower price and will be more challenging to sell. Any liens must be resolved before the sale.
Pre-foreclosure homes are in the process of being sold at auction but haven't been sold yet. These, too, appear in public filings. Investors seek out these deals because they are valued well below fair market value.
Hawaii Pre-Foreclosures for Investors
In Hawaii, federal law requires lenders to wait until a mortgage is 120 days past due before starting a foreclosure. The legal signal that officially starts a non-judicial foreclosure clock is the recorded "Notice of Default and Intention to Foreclose," which gives the homeowner at least 60 days to cure the debt.
Foreclosure Timeline
- Pre-Foreclosure (Days 1–120+): Begins after the first missed payment; federal rules mandate a loss mitigation period. After 120 days, the lender may proceed with foreclosure.
- Notice Period (60+ days): The lender issues a "Notice of Default," providing the borrower with at least 60 days to repay the outstanding amount.
- Notice of Sale: The "Notice of Sale" must be published in a local newspaper for three consecutive weeks and posted on the property at least 21 days before the auction.
- Right to Cure: Homeowners can stop the sale up to 3 days before the auction by paying the past-due amount, legal costs, and fees.
In Hawaii, the active "investor window" between filing a formal notice of the Hawaii foreclosure process and the public auction typically lasts about 60 to 75 days for non-judicial foreclosures, governed by statutory notice and publication rules. During this time, an investor can conduct due diligence on the property, learn about taxes, liens, and other potential title issues before approaching the owner with an offer.
In Hawaii, a foreclosure auction is a public sale in which a home is sold to the highest bidder to pay off an unpaid mortgage or lien debt. Most foreclosures are nonjudicial, but Hawaii allows judicial foreclosures, in which the lender files a lawsuit in state court. A judge oversees the process, and a court-appointed commissioner conducts the auction.
The typical auction process is as follows:
The Auction Process
Judicial auctions often take place at courthouses, while non-judicial auctions are held at designated state or public locations (not on court grounds to comply with certain owner-occupant rules). Bidders must register in advance and show a down payment, usually 10% of the total bid, in cash or by cashier's check immediately. The lender can make a "credit bid" up to the total debt owed. If an outside buyer bids higher in cash, they win.
For judicial sales, a court hearing is held to confirm the final sale price and commissioner's report before the deed is officially transferred. Buyers typically have a short window (such as 30 days) to complete escrow and pay the remaining balance. If the property does not sell at auction, the bank takes ownership, and the property becomes Real Estate Owned (REO).
Online or In-Person?
Hawaii real estate foreclosure auctions are traditionally held in person at a physical location specified in the public notice of sale (such as outside a state courthouse or municipal building). While foreclosure sale notices and public sale listings are published online, the actual bidding at real property foreclosure auctions generally requires in-person attendance or representation by a commissioner/trustee. However, once a bank officially repossesses a property and lists it as real estate owned (REO), it may occasionally be marketed through standard online real estate platforms or private online auction houses.
Buying and Selling Property in Hawaii
Public property records come into play most often during real estate transactions. Before the sale, the buyer, attorney, title company, appraiser, and realtor may examine this data looking for information. Additional documents, such as appraisals, deeds, inspections, and insurance binders, will be created during the sale.
When buying real estate in Hawaii, you will want to learn as much as possible about the home. Check public records to find home values, taxes, and insurance, and look for building permits to see if the place was renovated. Also, check for any liens or foreclosures on the home.
Property owners are legally obligated to inform prospective buyers about material defects. If you have any gaps in your knowledge, you can check property records.
If you take out a mortgage to buy the property, your lender will require that you purchase title insurance. This policy protects both you and the lender against anyone coming along after the sale claiming they own the property. Your attorney or title company will perform a title search to avoid issues like this.
How Property Transfer Works in Hawaii
In Hawaii, real estate changes hands through a signed deed processed by an escrow company and recorded at the Hawaii Bureau of Conveyances. Costs include agent commissions, split escrow fees, title insurance, and a sliding-scale state conveyance tax paid by the seller. Dying without a clean transfer forces the property into a court-supervised probate process.
Transfer-on-Death (TOD) Deed
A Hawaii transfer-on-death deed lets real estate owners pass property to a beneficiary outside of probate. The deed must be notarized and officially recorded with the Hawaii Bureau of Conveyances before the owner dies. The owner retains full control and can amend or cancel the deed at any time while alive. Ownership transfers automatically upon death by recording the death certificate.
Transfer Tax
Hawaii charges a conveyance tax on property transfers based on the market value or consideration. Certain transfers (like specific gifts between family members or corrections to a title) may qualify for exemptions under state guidelines. Parties must file the appropriate tax disclosure forms with the recorded documents to take advantage of these tax breaks. Rates start at 0.10% for homes under $600,000 for which the buyer qualifies for a homeowner's exemption and increase for more expensive properties or investor/non-resident buyers.
Dying Without a Clean Transfer
If a property is owned solely in the deceased person's name with no designated beneficiary, it must go through Hawaii probate court. Probate typically takes 6 to 18 months, tying up the asset while debts and creditors' claims are settled. If there is no will, Hawaii's intestacy laws dictate who inherits the property (such as a spouse, children, or extended relatives). Properties held in a revocable living trust, under joint tenancy with right of survivorship, or via a recorded transfer-on-death deed pass directly to survivors without court intervention.
Simplified Process for Small Estate
Hawaii provides a simplified small estate process called "Collection by Affidavit" (under Hawaii Law HRS § 560:3-1201) that lets successors skip formal court probate entirely. To qualify, the total gross value of the deceased person's personal property in Hawaii must be $100,000 or less, and the estate cannot include any real estate. Heirs must wait at least 30 days after the person has passed away, then create a notarized affidavit stating that they are the legal successor. The final step is to submit the affidavit and a copy of the death certificate to the institution holding the asset (like a bank) to transfer the property.
Why Property Values Are Important in Real Estate Transactions
Home values are essential details about real estate. However, values change rapidly due to economic conditions, inflation, interest rates, and the local real estate market. You can find the value on appraisals, assessments, and other property records. The fair market value is the yardstick realtors and other professionals use to compare the value to other homes in the area.
Assessments and appraisals are both tools used to determine a property's value. Tax officials use assessments to determine a value for setting tax rates.
Appraisers use specific calculations to form an opinion of a home's value. They base their figures on fair market value for mortgages and estate planning.
What Factors Determine Property Values in Hawaii
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Proximity to the Ocean - Properties near the ocean boast beautiful views, coastal atmospheres, and lush landscapes.
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Climate - The pleasant climate, low humidity, and year-round warmth in some areas contribute to higher property values.
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Access to Amenities - Access to recreational facilities, outdoor activities, and convenient transportation can increase the value.
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Cultural and Historical Significance - Hawaii has many culturally or historically significant areas that attract buyers.
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Investment Opportunities - Hawaii is a popular tourist destination that attracts thousands of visitors annually.
Hawaii Flood Zones
Hawaii is a high-risk state for floods. The islands face regular threats from flash floods, heavy rainstorms, and chronic coastal flooding driven by rising sea levels. Flash floods are recognized as a leading weather-related hazard in the state, with an average of 11 flood events each year.
Flood Risks in Hawaii
- Inland and Flash Floods: Steep terrain, narrow valleys, and short streams cause rapid runoff during heavy downpours, making low-lying areas and stream beds dangerous.
- Coastal Flooding: Being an island chain surrounded by the ocean, coastal regions face hazards from high surf, tsunamis, hurricanes, and rising sea levels.
- Aging Infrastructure: Many local dams and water-diversion structures are aging and fall into high-hazard potential categories, increasing localized risk during extreme storms.
Standard homeowner insurance policies generally do not cover flood damage, leaving many property owners vulnerable unless they secure specific coverage through programs like the Hawai'i Emergency Management Agency.
The most common FEMA flood zones in Hawaii include Zones X, AE, VE, A, and D. High-risk Special Flood Hazard Areas require mandatory insurance for federally backed loans. In contrast, other zones reflect moderate or low risk. In Hawaii, federally mandated flood insurance is required by mortgage lenders only for properties located within Special Flood Hazard Areas (SFHAs), which carry a 1% annual chance of flooding. These high-risk zones include designations A, AE, AH, AO, V, and VE.
Common Hawaii Flood Zones Defined
- Zone X: Low-to-moderate risk area outside the primary 100-year and 500-year floodplains. This is the most widespread zone, covering higher inland elevations and ridgelines.
- Zone AE: High-risk area within the 100-year floodplain where base flood elevations are calculated. Commonly found in flatter terrain near winding mountain streams, rivers, and low-lying valleys.
- Zone VE: Coastal high-risk velocity zone subject to tidal surges and dangerous wave action. Typically spans open coastlines and the first row of beachfront properties.
- Zone A: High-risk area within the 100-year floodplain determined by approximate methods without precise base flood elevations. Found near inland water bodies and poorly drained areas.
- Zone D: Areas with possible, unstudied, but undetermined flood hazards where no formal analysis has been conducted.
Oʻahu and Maui are the regions of Hawaii most severely affected by catastrophic floods, particularly Oʻahu's North Shore (including Haleiwa and Waialua) and south side, as well as widespread torrential downpours and record-setting rainfall across Maui.
Hardest-Hit Regions and Islands
- Oʻahu: The North Shore faced historic rainstorms that caused major evacuations, structural damage, and severe muddy runoff, while subsequent storms hit the south side.
- Maui: Experienced severe inundation, with Kahului recording its wettest March on record and heavy infrastructure damage reaching areas like Kula.
- General Vulnerable Geographies: Low-lying coastal zones, narrow valleys, and urbanized streetscapes across the islands trap runoff and experience the fastest flash flooding.
Before buying a home in Hawaii, buyers should check official FEMA Flood Maps to identify the property's flood zone, review seller disclosures for past flood damage, determine whether mortgage lenders will require separate flood insurance, and evaluate local mitigation needs such as elevation or proper yard drainage.
Buyer Checklist to Mitigate Flood Risk
- Look up the exact property address on the FEMA Flood Map Service Center.
- Identify whether the property is in a Special Flood Hazard Area (such as Zone A or Zone V), which carries a high risk of flooding.
- Check for recent or upcoming local map updates, as re-mappings can unexpectedly shift a property into a higher-risk zone. Check Flood Insurance Rate Maps (FIRM) because they do change over time. A home in a low-risk area could suddenly be in a high-risk zone.
- Confirm that standard homeowners' insurance policies do not cover flood damage.
- Get an independent flood insurance quote to calculate ongoing monthly ownership costs. You can buy flood insurance through the National Flood Insurance Program (NFIP), which imposes coverage limits and waiting periods but may be cheaper than private insurance.
- Check if your mortgage lender will legally require you to buy and maintain flood insurance before closing.
- Review mandatory seller disclosure statements for history of standing water, runoff issues, or past flooding events.
- Inspect the property's grading, retaining walls, and surrounding drainage paths.
- Consult local county planning departments regarding building restrictions or elevation requirements if you plan to renovate.
Local Rules, Timelines & Fees
Hawaii has specific rules, timelines, and fees for real property events and transactions. Some of the most common questions people search for regarding Hawaii property are detailed below:
Hawaii-Specific Rules & Disclosures
- Does Hawaii require disclosure statements before a sale? Under Hawaii property and real estate Law, sellers must provide a comprehensive disclosure of material facts called a Seller's Real Property Disclosure Statement (SRPDS) within 10 calendar days of contract acceptance.
- Are there any other restrictions for buyers? Buyers must distinguish between fee simple (owning the land and structure) and leasehold (owning the structure while leasing the land), as this distinction drastically affects financing and approval timelines.
- Does Hawaii require any specific inspections before sale? Due to the tropical climate, a professional termite inspection is standard and heavily relied upon before removing contingencies in most property sales.
- How are escrow funds handled? Hawaii enforces strict escrow rules (Good Funds Law) requiring all buyer funds to be fully cleared and verified by escrow two business days before the official recording date.
- What are typical standard closing costs in Hawaii? Buyers generally budget 1.5% to 3% for lender fees, appraisals, and half of the escrow/title fees. Sellers typically cover real estate commissions, conveyance tax, and recording costs.
Foreclosure Type and Timeline
- Is Hawaii judicial or non-judicial? The state of Hawaii handles foreclosure non-judicially, meaning the lender does not need to file a lawsuit to proceed.
- What is the typical timeline from filing to auction? In Hawaii, non-judicial foreclosures typically take about 220 days after a 120-day pre-foreclosure waiting period. The 220 days include 60 days for a notice of default, public property postings, and three weeks of newspaper ads.
Redemption Period
- Does Hawaii allow the owner to reclaim the property after the sale? Hawaii law provides no right of redemption after a standard non-judicial foreclosure sale is finalized. Homeowners have only three days before the auction date to pay the full default amount to save the property.
- How long and under what conditions? Hawaii has a statutory redemption period of 1 year from the date of the tax sale (or from the recording of the tax deed if the tax deed is not recorded within 60 days of the sale). The previous owner must pay the winning bidder the original purchase price, all required costs and expenses (such as recording fees), plus interest at 12% per year. Because the previous owner holds this one-year right to reclaim the property, tax sale purchasers are typically advised not to build on, alter, or significantly develop the property during this 12-month window.
Lien Deadlines and Priorities
- How long does a contractor have to file a mechanic's lien in Hawaii? Contractors and suppliers have 45 days to file a lien after a notice of completion is filed. If no notice is filed, the deadline extends to 1 year and 45 days after project completion or abandonment.
- What is the process of filing a mechanic's lien in Hawaii? The process begins with drafting the lien notice, including the claim amount, the labor or materials furnished, the property description, and the names of the parties, the general contractor, and the property owner. Next, the contractor must submit the paperwork to the clerk of the appropriate circuit court in which the real estate is located. The contractor then formally serves a copy of the "Application and Notice of Lien" on the property owner and interested parties. A probable cause hearing is typically scheduled within 3 to 10 days after service to see if the lien can attach. If approved, the contractor must record the order and file a foreclosure action (lawsuit) within the strict statutory timeline (3 months).
- What are the HOA attachment rules and timelines in Hawaii? In Hawaii, when a homeowner fails to pay regular or special assessments, an automatic lien for the unpaid amount attaches to the property under Hawaii law (HRS Chapter 421J for planned communities and Chapter 514B for condominiums). Recorded liens expire after six years unless enforcement proceedings begin, and associations must file enforcement actions within six years of the assessment due date. A legal lien arises automatically the moment assessments become due, covering unpaid maintenance fees, late charges, fines, and legal costs. The HOA or COA may record a claim for the lien in the state Bureau of Conveyances or land court, though the automatic lien exists even if unrecorded. Hawaii allows community associations a limited priority "super lien" status over first mortgages for a portion of overdue, unpaid regular monthly assessments. Homeowners must receive notice of regular assessment increases at least 30 days before implementation. If an association initiates a non-judicial foreclosure on a delinquent owner, providing written notice of intent to cure triggers a mandatory 60-calendar-day stay to allow the owner to fulfill a reasonable payment plan. A formally recorded assessment lien expires six years from the date of recording unless the association files an enforcement action before that time. Any court proceeding or legal action to enforce an assessment lien must be instituted within six years after the targeted assessment first became due.
Deed and Transfer Costs (Recording Fees and Transfer Tax)
- What does it cost to record a deed? Recording a standard deed at the Hawaii Bureau of Conveyances costs $36 for documents up to 50 pages in the Land Court system, or $41 to $55 depending on the Regular System specifications and document type.
- Is there a documentary stamp tax or transfer tax? Hawaii also imposes a conveyance tax ranging from 0.10% to 0.45% of the property's purchase price or value
- What is the rate? Calculated based on the property value or consideration. Rates typically range from 0.10% to 1.25% for residential properties, depending on the tier and whether it is a primary residence with a homestead exemption, and increase based on the property's value and whether the buyer is an individual or an organization. If you use an online vendor or title company, expect extra service charges ranging from $20 to over $200. Out-of-state sellers are subject to the Hawaii Real Property Tax Act (HARPTA) withholding, and foreign sellers are subject to FIRPTA, which withholds a percentage of gross proceeds to cover state/federal capital gains taxes.
Maintaining and Amending Hawaii Records
Hawaii has its own system for maintaining property data. When a new document arrives at the office, it is stamped with the date, time, and a unique identifier to make it easy to find later. Once recorded, it becomes public information.
Be sure to regularly check your records to ensure they are correct. If they have errors or need updating, it's up to you to fix them. The agency that holds them will not know to update them automatically.
People generate property records, and sometimes they make mistakes. If you find errors on your property records, you can correct them by contacting the proper agency and asking them to fix them. You may need to provide source data to prove the error.
It's also essential to update your data when someone dies. To do that, bring the death certificate, will, and the person who inherited the property to the Bureau of Conveyances to create a new deed.
You may also want to change your property records if you get married or divorced. Bring your divorce decree or marriage certificate to the Bureau of Conveyances or tax office and ask them to update the records.
The Role of the Bureau of Conveyances
Hawaii is one of only two states with a single statewide recording system. According to Hawaii, the Bureau of Conveyances "examines, records, indexes, and digitizes over 344,000 Regular System and Land Court documents and maps annually." Hawaii is one of two states in the nation with a single statewide recording system.
How to Ensure Data Privacy for Property Records
Property records are public for two reasons: first, to maintain the public chain of title for each property, detailing every owner since the first; and second, to prevent any government entity from having too much power over the people. It's about transparency.
You cannot completely protect all your information from public filings. However, you can try to minimize your exposure and remove all but the bare minimum. Contact the agencies that hold your documents and ask them to remove anything beyond your name and address.
- 200 N. Vineyard Boulevard Suite A-325,
Honolulu, HI 96817 - (808) 493-1841
Instant Access to Hawaii Property Records
- Owner(s)
- Deed Records
- Loans & Liens
- Values
- Taxes
- Building Permits
- Purchase History
- Property Details
- And More!
Property Records Guide
- How to Access Property Records in Hawaii
- Land Records in Hawaii
- What Are Property Records?
- Who Looks Up Hawaii Property Records and Why
- Types of Property Records in Hawaii
- Hawaii Pre-Foreclosures for Investors
- Buying and Selling Property in Hawaii
- How Property Transfer Works in Hawaii
- Why Property Values Are Important in Real Estate Transactions
- Hawaii Flood Zones
- Local Rules, Timelines & Fees
- Maintaining and Amending Hawaii Records
- The Role of the Bureau of Conveyances
- How to Ensure Data Privacy for Property Records
Property Records Guide
- How to Access Property Records in Hawaii
- Land Records in Hawaii
- What Are Property Records?
- Who Looks Up Hawaii Property Records and Why
- Types of Property Records in Hawaii
- Hawaii Pre-Foreclosures for Investors
- Buying and Selling Property in Hawaii
- How Property Transfer Works in Hawaii
- Why Property Values Are Important in Real Estate Transactions
- Hawaii Flood Zones
- Local Rules, Timelines & Fees
- Maintaining and Amending Hawaii Records
- The Role of the Bureau of Conveyances
- How to Ensure Data Privacy for Property Records