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15-2649 Government Beach Rd, Pahoa, HI, 96778

1beds
1baths
1,008sqft
$999,999
$992price/sqft
$6,844/moest. monthly cost
$273,760/yrincome needed

About This Home

This is what legacy land looks like. Five and a quarter acres of oceanfront land with nearly 300 feet of coastline, sweeping Pacific views, and a backdrop of coconut palms against black lava rock. Private and secluded in feel, yet close to paved roads, utilities at the street, and established neighbors among some notable oceanfront estates. The existing two-story, single-wall cedar home sits hidden from the road, reached by a driveway that winds through a lush canopy of trees before opening to the house site with its dramatic ocean views framed by coconut palms. The structure features open beam ceilings, quartzite floors, and an open layout built to make the most of the setting, with views and ventilation on both levels. The roof and gutters were replaced in 2024. Upstairs is a large open room with walls of windows, a smaller office with closet, and a covered lanai with ocean views. Downstairs offers a bathroom with tiled shower and additional enclosed space. Some plumbing and electrical are roughed in from prior service. The home is solid and has real character. With some work, this place becomes something rare: a true private sanctuary on the ocean. Enjoy fishing, whale and turtle watching, and the constant sound of the surf from your own stretch of rocky coastline with patches of sandy beach and tide pools. Power is available at the street. Off-grid photovoltaic is a natural fit in this sunny climate, and a small catchment system is already in place. This is a rare chance to secure a piece of the Big Island's coastline before it's gone. Showings by appointment only.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

3/10

Construction

Condition

  • Year built: 1981

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 1,008
  • Total interior livable area: 1,008 sqft

Property

Details

  • Parcel number: 3150090410000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Has view: Yes
  • View description: Coastline,Forest,Ocean,Ocean Horizon,Sunrise
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Topography of land: Fairly Level

Lot

  • Lot size: 5.27 Acres
  • Features: Cleared,Grassy,Wooded

Parking

  • Parking features: Other

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
  • Lightning
    LightningVery High
  • Volcanic Activity
    Volcanic ActivityVery High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding
Lightning
Volcanic Activity
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 $5,056$60,672
Home Insurance *$451$5,412
Property Taxes $963$11,556
Electricity $374$4,497
Total$6,844$82,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$234,651/yr
40% on housing$205,320/yr
45% on housing$182,506/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

$992This listing

vs Other Active Listings

Avg $/sqft

ZIP 96778$232
Hawaii County$495

vs Homes Sold Last Month

Median $/sqft

ZIP 96778$313
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
2026-06-30Price change$999,999
2026-06-10Listed for sale$1,500,000
2025-09-21Listing removed$1,555,000
2025-07-25Price change$1,555,000
2025-01-25Price change$1,388,000
2024-11-26Listed for sale$985,000
2024-11-18Listing removed$985,000
2024-01-08Price change$985,000
2023-11-23Listed for sale$1,550,000
2023-07-10Listing removed--
2023-06-17Listed for sale$988,000
2022-11-10Sold$988,000
2022-10-05Contingent$988,000
2021-12-03Listed for sale$988,000
2021-08-13Sold$550,000
2012-04-20Sold$410,000
2011-04-21Sold$400,000
2007-05-09Sold$500,000
1999-12-22Sold$230,000

For Sale by Agent

AgentSunita R Przewlocki
BrokerageSalt Water Real Estate LLC

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