3513 Harding Ave, Honolulu, HI, 96816
About This Home
Located in the heart of Kaimuki, 3513 Harding Ave. presents a rare opportunity to acquire a multi-cottage investment property on a 15,000 SF lot. The property consists of five separate cottages totaling approximately 3,828 SF, offering flexible use potential for investors, owner-users, or future redevelopment considerations. Cottages need improvements, previous commercial use. Improvements needed to restore residential use.
Getting Around
Walker's Paradise
Good Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Average Condition
- Year built: 1929
Materials
- Construction materials: Single Wall,Wood Frame
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Cooling
- Cooling features: Central Air
Interior Area
- Total structure area: 3,828
- Total interior livable area: 3,828 sqft
Property
Details
- Parcel number: 1320130140000
- Zoning description: 05 - R-5 Residential District
- Special condition: None
Features
- Levels: One
- Stories: 1
- Has view: Yes
- View description: None
- Topography of land: Level
Lot
- Features: Other,Level
Parking
- Total spaces: 12
- Parking features: Open,Tandem,Unassigned
- Has uncovered spaces: Yes
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
- Lightning
- Earthquake
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters Across Hawaii Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $15,169 | $182,028 |
| Home Insurance * | $527 | $6,324 |
| Property Taxes | $775 | $9,300 |
| Electricity | $1,232 | $14,792 |
| Total | $17,703 | $212,436 |
Income You'd Need if You Spent...
Hawaii FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-19 | Listed for sale | $3,000,000 |
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