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14-3798 Government Beach Road, Pahoa, HI, 96778

1beds
1baths
700sqft
$495,000
$707price/sqft
$3,243/moest. monthly cost
$129,720/yrincome needed

About This Home

Located along Government Beach Road on the east side of Hawaiʻi Island, this exceptional three-acre parcel offers a rare blend of privacy, natural beauty, and opportunity. Surrounded by open land and lush greenery, the property provides a peaceful rural setting where you can experience the quiet rhythms of island life while still being within reach of the coastline and nearby communities. With generous acreage and a thoughtfully cultivated landscape, the property captures the essence of Hawaiʻi living—space, tranquility, and peace of the natural surroundings. Designed with an off-grid lifestyle in mind, this one bedroom, one bath home offers a practical base for those seeking independence and connection to the land. One of the most special aspects of this property is the abundance of mature fruit trees: Banana, breadfruit, Surinam cherry, Bay Leaf, Lilikoi, Soursop, Lemon, Star Apple, Orange, Tangerine, Grapefruit, Avocados, Jaboticaba, Clove, Rolinia, Malabar Chestnut, Katuk, Mulberry, and Coconut. In addition to the existing home, there is a designated area suitable for the construction of a second residence. With three acres available, there is ample room to expand and design a larger primary home, guest house, or multi-generational living arrangement. Altogether, this three-acre property offers a unique opportunity to create your own island retreat surrounded by nature and abundance. With its existing home, mature fruit trees, cultivated landscape, and space for future construction, the land invites you to live in harmony with Hawaiʻi’s environment while shaping the property into your own vision of island living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

3/10

Construction

Condition

  • Year built: 2020

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 700
  • Total interior livable area: 700 sqft

Property

Details

  • Parcel number: 3140281180000
  • Zoning: A-3A
  • Special condition: Fee Simple,Standard

Features

  • Topography of land: Fairly Level,Terraced

Lot

  • Lot size: 3.40 Acres
  • Features: Grassy,Wooded

Parking

  • Parking features: None,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 $2,502$30,024
Home Insurance *$223$2,676
Property Taxes $144$1,728
Electricity $374$4,497
Total$3,243$38,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,188/yr
40% on housing$97,290/yr
45% on housing$86,480/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

$707This listing

vs Other Active Listings

Avg $/sqft

ZIP 96778$239
Hawaii County$496

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
2026-03-24Listed for sale$495,000
2024-10-05Listing removed$1,700
2024-09-27Listed for rent$1,700
2018-03-28Sold$100,000

For Sale by Agent

AgentKiki Williamson
BrokerageKW Big Island

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