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18-4327 N Peck Rd, Volcano, HI, 96785

3beds
2baths
1,782sqft
$675,000
$379price/sqft
$4,394/moest. monthly cost
$175,760/yrincome needed

About This Home

Expansive 17.44-Acre Dual-Parcel Estate: The Ultimate Farm & Homestead Parcel 1: The Homestead (7 Acres) The heart of the property features a charming 1,782 sq. ft. home designed for flexibility and comfort. Living Space: 3 bedrooms and 2 bathrooms. Extra Space: The original carport has been thoughtfully enclosed, creating a large multipurpose area. Whether you need a dedicated home office, a fitness studio, a creative workshop, or an expansive family room, this space adapts to your lifestyle. Outdoor Living: Plenty of room for gardening and outdoor entertaining, all set against a backdrop of 7.39 acres of lush green grass and trees Parcel 2: The Working Ranch (10 Acres) Right next door is 10.05 acres of prime grazing land anchored by a massive, hardworking barn. Open Covered Area: Perfect for stalls to keep your animals out of the weather, plus a dedicated tack room for your saddles, feed, and tools. The Loft: Upstairs, you’ll find an unfinished space with two rooms and a working bathroom already started. It’s just waiting for your finishing touches to become a cozy bunkhouse or a quiet getaway. Why You’ll Love It Here: Level & Usable: You won't find a better piece of dirt. The land is flat and easy to work, making it simple to add more sheds, a greenhouse, a riding arena, or even the possibility of more dwellings. County Water: Enjoy the reliability of county water—a huge plus for any farm. The Climate: Nice and cool year round, keeping the pastures green and the animals happy. Fenced & Secure: The property is already fenced, so you can bring the cows or horses on day one. This isn't just a house; it’s a lifestyle. Whether you want to be self-sufficient, start a small ranch, or just enjoy the peace and quiet of 17 acres, this property is ready to welcome you home. *Two properties TMK's 3-1-8-88-8 (7 acres) and 3-1-8-88-7 (10 acres) must be sold together.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

7/10
5/10
Keaau Middle SchoolGrades 6-88.4 mi
3/10
Keaau High SchoolGrades 9-128.4 mi

Construction

Condition

  • Year built: 1993

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Resin Tile

Interior Area

  • Total structure area: 1,782
  • Total interior livable area: 1,782 sqft

Property

Details

  • Parcel number: 3180880080000
  • Zoning: A-5A
  • Special condition: Fee Simple,Standard

Lot

  • Lot size: 17.44 Acres

Parking

  • Parking features: Attached,Covered

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 $3,413$40,956
Home Insurance *$212$2,544
Property Taxes $196$2,352
Electricity $573$6,886
Total$4,394$52,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,651/yr
40% on housing$131,820/yr
45% on housing$117,173/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

$379This listing

vs Other Active Listings

Avg $/sqft

ZIP 96785$281
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
2026-02-23Price change$750,000
2026-01-06Listed for sale$800,000
2022-08-10Sold$630,000
2022-05-31Contingent$650,000
2022-05-23Listed for sale$650,000

For Sale by Agent

AgentPorsche Nathaniel
BrokerageColdwell Banker Island Properties - Hilo

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