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12-4304 Hilo St, Pahoa, HI, 96778

0beds
1baths
1,216sqft
$128,000
$105price/sqft
$1,217/moest. monthly cost
$48,680/yrincome needed

About This Home

Welcome to your exotic retreat on the Big Island! Nestled in a serene corner of paradise, just minutes from the ocean, this unique property provides a great opportunity for those with a passion for nature looking to rest and reset. Situated on a quiet street in Black Sand Subdivision, this two-story structure with a yurt on the top, has been a labor of love for its current owners, and it shows: completely renovated and tastefully decorated and landscaped. Embrace the off-grid lifestyle with solar energy and propane for cooking (Along with a cool propane powered fridge!). Extra solar panels yet to be mounted are provided with the sale, while a brand new top of the line catchment (with new liner, cover, supports, pipe work, pump, pressure tank, and UV filtration system) collects rainwater. Additionally a new on-demand propane hot water heater is installed and functioning for warm showers. Your new sanctuary boasts a fully fenced yard with a gate. AND if more space is needed, a newly built 10x16 studio has just been finished to enjoy! Imagine sipping freshly harvested coconut water from your own lanai, while you enjoy the beauty and sounds of your own private tropical oasis. Fresh avocados, pineapple and papaya are just a few of the delights that await you in your own backyard. Convenience meets tranquility as you're just a 10-minute drive away from eclectic Pahoa and its new 40 million dollar shopping center, its Maku'u market where the bounty of the island beckons, and a fun downtown with bars and restaurants. At a mere 3.5 miles to the ocean, feel the black volcanic sand beneath your toes at the nearby breathtaking Kehena and Pohoiki beaches. Current owner works from home with high speed fiber internet & phone. With still undeveloped jungle lots on all sides, this property provides natural seclusion and privacy. This move in ready home is the perfect opportunity to turn your Hawaii dreams into a reality. PLEASE do not show up unannounced. Owner Financing OK.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
Pahoa Elementary SchoolGrades PK-65.6 mi

Construction

Condition

  • Year built: 2008

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Refrigerator

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Interior Area

  • Total structure area: 1,216
  • Total interior livable area: 1,216 sqft

Property

Details

  • Parcel number: 3120250970000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Levels: Two
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Forest
  • Topography of land: Fairly Level,Gentle Slope

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 $647$7,764
Home Insurance *$57$684
Property Taxes $122$1,464
Electricity $391$4,698
Total$1,217$14,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,725/yr
40% on housing$36,510/yr
45% on housing$32,453/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

$105This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Contingent$115,000
2026-08-06Price change$115,000
2026-07-09Listed for sale$128,000
2024-10-03Listing removed$79,900
2024-09-03Price change$79,900
2024-07-30Price change$89,000
2024-07-21Listed for sale$99,000
2023-05-18Sold$40,000
2023-04-12Contingent$45,000
2023-03-22Price change$45,000
2022-12-15Price change$55,000
2022-11-12Listed for sale$65,000
2021-02-05Sold$38,000
2021-01-01Contingent$40,000
2021-01-01Pending sale$40,000
2020-12-17Price change$40,000
2020-11-05Listed for sale$45,000
2005-02-17Sold$7,900
2004-10-04Sold$6,000

For Sale by Agent

AgentStephane Michel
BrokerageAloha Sotheby's Intl Realty - Hawai'i

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