Big Island

Ainaloa Estates Subdivision on the Big Island

The Big Island of Hawaii is a beautiful place. The Puna District is a large area near Pahoa that has become a super fast growing area and the home prices have been jumping as it is one of the last affordable places to buy a home on any of the Hawaiian Islands. Puna has several subdivisions and all of them are a little different than the others. I am asked often which subdivision is best and the answer is they all offer something a little different. As a Realtor, we try to deal with the facts. I will be writing several posts in the near future to state the facts on each subdivision. The first one I will write about is Ainaloa Estates Subdivision on the Big Island.


Ainaloa Estates Subdivision is approximately 15 miles south of Hilo and about 6 miles to Pahoa. It is about 10 minutes from the cliffs at the bottom of Hawaiian Paradise Park for fishing and whale watching and about 25-30 minutes from surfing and snorkeling. It consists of two main streets, Ainaloa Boulevard and Ainaloa Drive. They run up the hill from Highway 130 and several roads connect the two like a ladder. The lower roads are paved and as of this post, the Home Owner’s Association for Ainaloa Estates Subdivision tries to pave two more roads per year. This helps add to the home values and several new homes are being built as we speak.

HOA Fees and Regulations

There is an HOA fee for Ainaloa Estates Subdivision members and it is mandatory. Currently, for the year 2018, it is $160 per lot per year. This fee includes the paving of new roads, maintaining the current roads, keeping the jungle back and other expenses such as the playground and community area near the mailboxes.

The Ainaloa Estates Subdivision Home Owner’s Association has rules and regulations (CC&Rs) that all members need to abide by and they are currently enforcing some of the rules to keep the neighborhood clean and tidy and keep the new growth trend healthy. Some of these are pertaining to non-permanent structures and some are to limit permanent structures and their appearance. They also enforce removal of vehicles that are not in working order. The rules aren’t overbearing and mainly aim at keeping Ainaloa Estates Subdivision clean and tidy and a place people want to move to.

Lava Zone 3

Ainaloa Estates Subdivision is in a lava zone 3 which currently means no extra insurance is added to your home insurance to cover lava damage. It also means you can get a loan easily with little or no down payment if you qualify for USDA loans or other low down payment loans. The lots are mostly around 1/4 acre and have two lots between each side street. Most of Ainaloa Estates Subdivision is on water catchment and they receive plenty of water each year to keep the tank full in most cases.

Here is the link to the Ainaloa Estates Subdivision website to find out more information or to contact them yourself.

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Mark phillips

December 11, 2021

What are the lot dimensions in Ainaloa?
Width x length on 12000sf lot

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