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12-4323 Cook St, Pahoa, HI, 96778

2beds
2baths
864sqft
$109,000
$126price/sqft
$1,078/moest. monthly cost
$43,120/yrincome needed

About This Home

A unique multi-generational property with rooms for older and younger relatives on different levels. A new solar system with a battery backup in place was recently installed. The entire property was rewired and has a new system in place. All new water lines are in place, and the house has a new pump system that operates on 12 volts. There is a new 12' by 26' covered sundeck. The yard is fenced and gated, and has a new gravel pathway to the house. The property has an apple banana tree, an ice cream banana, a star fruit, a tangerine, and lilikoi on the fence. The bathroom has been updated, and an additional toilet has been installed upstairs. The kitchen area has stainless steel countertops. The High-speed internet is provided by HawaiianTel Fioptics at a monthly fee.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

4/10
Pahoa Elementary SchoolGrades PK-65.6 mi

Construction

Condition

  • Year built: 2016

Materials

  • Construction materials: Double Wall

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/4 bathrooms: 1

Features

  • Flooring: Vinyl

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Property

Details

  • Parcel number: 3120231310000
  • Attached to another structure: Yes
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Levels: Two
  • Fencing: Wire
  • Has view: Yes
  • View description: Forest
  • Topography of land: Fairly Level

Lot

  • Lot size: 7,750 sqft
  • Features: Cleared,Grassy

Parking

  • Parking features: Unassigned

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 FloodingRelatively High
  • Volcanic Activity
    Volcanic ActivityRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Volcanic Activity
Wildfire
Lightning

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 $551$6,612
Home Insurance *$49$588
Property Taxes $104$1,248
Electricity $374$4,497
Total$1,078$12,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,960/yr
40% on housing$32,340/yr
45% on housing$28,746/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

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 96778$245
Hawaii County$497

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
2026-05-05Listed for sale$139,000
2023-04-11Sold$80,000
2023-02-18Contingent$80,000
2023-01-18Price change$80,000
2022-12-27Listed for sale$111,000
2022-04-22Sold$66,000
2022-03-17Contingent$75,000
2021-12-18Listed for sale$75,000
2016-05-13Sold$5,700

For Sale by Agent

AgentGregory C Dencker
BrokerageSalt Water Real Estate LLC

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