Checklist · reviewed August 7, 2026

Hawaiʻi Homebuyer Due-Diligence Checklist

Work through title, permits, hazards, insurance, utilities, cesspool or septic, catchment, roads, and inspection documents.

Comparable facts

Buyer diligence workflow comparison

Work through title, permits, hazards, insurance, utilities, cesspool or septic, catchment, roads, and inspection documents before relying on the deal.

Title, boundaries, and accessReview the preliminary title report and recorded exceptions. Confirm legal and practical vehicle access.
Permits and property recordsCompare county records with the structures and bedrooms on site. Request permits, final inspections, plans, and warranties.
Hazards and insuranceCheck official flood, tsunami, lava, wildfire, and coastal-hazard resources. Get insurability and premium indications before the contingency deadline.
Utilities and property systemsVerify electric service, recent bills, panel condition, solar agreements, and permits. Identify municipal water, catchment, well, cesspool, or septic systems.
Complete ownership budgetRun the true monthly ownership-cost calculator. Keep a contingency after closing instead of spending every available dollar.
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Due diligence

Title, boundaries, and access

Due diligence

Permits and property records

Due diligence

Hazards and insurance

Due diligence

Utilities and property systems

Due diligence

The complete ownership budget

Official-source organizer

Open the official research systems

Use the Hawaiʻi Property Research Launcher to organize the correct county parcel, permit, hazard, water, wastewater, utility, and land-record starting points. It tracks research without claiming that a record proves the property is clear, permitted, safe, or insurable.

Important limit

Stop and get qualified help when needed

A checklist cannot resolve unclear title, engineering, wastewater, electrical, insurance, zoning, or legal questions. Pause the purchase decision until the relevant documents and professionals answer material uncertainties.