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11-3161 Huakai St, Volcano, HI, 96785

0beds
1baths
384sqft
$309,000
$805price/sqft
$2,277/moest. monthly cost
$91,080/yrincome needed

About This Home

Not your typical “tiny home" this permitted retreat lives much larger than you’d expect. Set on a beautifully landscaped square 3-acre parcel in the rainforest, the home combines simplicity, function, and room to grow. Soaring tongue-and-groove ceilings create an open, airy feel while providing space for a substantial loft area, (loft currently permitted as storage) is fully accessible and highly usable. The existing loft could easily be expanded across the living room to create even more functional living space. With a full kitchen, full bath, and appliances in excellent condition, this property move-in ready from day one. The wide covered lanai stretches across the front of the home, offering the perfect spot to relax, entertain, or simply enjoy the peaceful sights and sounds of the rainforest. Built with popular post-and-pier construction, the home benefits from excellent airflow beneath the structure while also providing convenient covered storage space for gardening tools and outdoor equipment. A newer catchment system adds peace of mind and practicality for country living. Located just off the pavement on a road that receives regular maintenance, access is easy without sacrificing the quiet charm of a rural setting. Whether you’re searching for a weekend escape, a full-time residence, or the foundation for a future expansion project, this unique property offers flexibility, comfort, and plenty of room to enjoy Hawaiʻi Island living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
5/10
Keaau Middle SchoolGrades 6-815.7 mi
3/10
Keaau High SchoolGrades 9-1215.5 mi

Construction

Condition

  • Year built: 2004

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 384
  • Total interior livable area: 384 sqft

Property

Details

  • Parcel number: 3110510120000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Topography of land: Fairly Level

Lot

  • Lot size: 3 Acres
  • Lot size dimensions: 348 x 375

Parking

  • Parking features: None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Volcanic Activity
    Volcanic ActivityVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding
Volcanic Activity
Lightning
Wildfire

FEMA Declared Disasters Across Hawaii Counties

Fire

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,562$18,744
Home Insurance *$97$1,164
Property Taxes $244$2,928
Electricity $374$4,497
Total$2,277$27,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,068/yr
40% on housing$68,310/yr
45% on housing$60,720/yr

Hawaii FAIR Plan Programs

Hawaii - Hurricane Relief Fund

Covered
WindWind
Visit Website →
Current Policies
Residential: 2,402Commercial: -4
Total Premiums$5.57M
Total Exposure$928.92M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$805This listing

vs Other Active Listings

Avg $/sqft

ZIP 96785$284
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96785$407
Hawaii County$424

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-15Listed for sale$309,000
2026-06-16Contingent$309,000
2026-06-10Listed for sale$309,000
2003-09-18Sold$42,000

For Sale by Agent

AgentDenise S. Nakanishi
BrokerageReal Broker

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