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94-6312 Mauka St, Naalehu, HI, 96772

0beds
1baths
390sqft
$175,000
$449price/sqft
$1,374/moest. monthly cost
$54,960/yrincome needed

About This Home

Green Sand Subdivision - Correct address is 94-6312 Mauka St. Price reduced in March of 2026. Possible seller financing is available! Great little unpermitted studio cabin with a loft and a front porch with removable pet gate to help keep them secure - also has a nicely fenced yard and is located in a small rural community. This studio has a spacious main room, kitchenette area, full bath and a sleeping loft with a lauhala lined ceiling. On the front porch is the kitchen sink and a propane camping stove with burners & an oven, and the microwave and refrigerator are inside the cabin. The countertop is made of laminated wood products. The large loft area could be the main sleeping space or extra room for guests, if the studio is used as the bedroom. Furnishings in the photos are included and futon has a new mattress. The full bath has a tub/shower combo and a washing machine. Owned PV system with some newer components (2 SoK batteries and EG4 inverter) generates more power than is needed to run the house. Built in 2024, this property also has a newer 6500 gallon steel water catchment tank and a small septic tank. Per Helco, power is available at the street with an SSPP assessment of $1,563 with approved building plans. Lava Zone 6, Flood Zone X. Enjoy the beautiful yard full of flowers and edible plants from the front porch. Some of the plantings include: lime, avocade, white pineapple, banana, papaya, rubber tree, orange, green and red ti and more. New white vinyl fencing separates this property from the neighbors on both sides. Green Sands is part of Na'alehu town where you'll find several Ka'u coffee shops, the Punalu'u Bake Shop, a post office, credit union, hardware store, other restaurants and also the popular Weds and Fri OKK farmer's markets. Check out the southern part of The Big Island with it's old Hawaii charm! Both Kailua-Kona and Hilo have international airports and most major services. Check out the 360 virtual tour!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

2/10
Naalehu Elementary SchoolGrades PK-62.4 mi
1/10
Ke Kula O EhunuikaimalinoGrades PK-1237.7 mi

Construction

Condition

  • Year built: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Vaulted Ceiling(s)
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 390
  • Total interior livable area: 390 sqft

Property

Details

  • Parcel number: 3940140740000
  • Zoning: A-20A
  • Special condition: Fee Simple,Standard

Features

  • Exterior features: Lighting,Outdoor Kitchen
  • Fencing: Vinyl,Wood
  • Has view: Yes
  • View description: Forest
  • Topography of land: Fairly Level,Graded

Lot

  • Lot size: 0.28 Acres
  • Features: Grassy,Interior Lot,Landscaped,Rocky,Wooded

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 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 $884$10,608
Home Insurance *$65$780
Property Taxes $51$612
Electricity $374$4,497
Total$1,374$16,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,108/yr
40% on housing$41,220/yr
45% on housing$36,640/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

$449This listing

vs Other Active Listings

Avg $/sqft

ZIP 96772$283
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96772$378
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
2026-03-31Price change$175,000
2026-01-20Listed for sale$184,000
2025-07-05Listing removed$175,000
2025-05-12Price change$175,000
2025-03-10Listed for sale$180,000
2025-01-05Listing removed$180,000
2024-11-02Listed for sale$180,000

For Sale by Agent

AgentNancy J Stafford
BrokerageZT Hawaii LLC

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