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11-3915A Liona St, Volcano, HI, 96785

2beds
1baths
864sqft
$325,000
$376price/sqft
$2,213/moest. monthly cost
$88,520/yrincome needed

About This Home

Welcome to this charming 2- bedroom, 1-bath home tucked away on a private flag lot in the desirable volcano community. Surrounded by beautiful naitive 'ohi'a trees, this property offers a peaceful setting with the privacy and natural beauty that make volcano so special. Freshly painted with brand-new exterior paint, this inviting home features approximately 864 sq. ft. of living space, including a comfortable living room, functional kitchen and two well sized bedrooms. A covered back porch provides the perfect place to have your morning coffee / tea, listen to native birds, or simply relax while taking in the cool mountain climate. The attached garage houses the laundry area and offers generous storage space for tools, outdoor equipment or hobbies. This property is serviced by a water catchment system with excellent filtration system, has paved road access, and is surrounded by mature landscaping that includes avocados, lemon trees, & fragrant ginger. Experience the unique lifestyle that volcano has to offer.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
5/10
Keaau Middle SchoolGrades 6-817.4 mi
3/10
Keaau High SchoolGrades 9-1217.2 mi

Construction

Condition

  • Year built: 1993

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet

Interior Area

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

Property

Details

  • Parcel number: 3110630330000
  • Attached to another structure: Yes
  • Zoning: RS-10
  • Special condition: Fee Simple,Standard

Lot

  • Lot size: 0.36 Acres

Parking

  • Parking features: Attached

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 $1,643$19,716
Home Insurance *$102$1,224
Property Taxes $94$1,128
Electricity $374$4,497
Total$2,213$26,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,874/yr
40% on housing$66,390/yr
45% on housing$59,013/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

$376This listing

vs Other Active Listings

Avg $/sqft

ZIP 96785$283
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
2026-07-21Listed for sale$325,000
2018-10-04Sold$126,000

For Sale by Agent

AgentChantee K Shiroma
BrokerageRE/MAX Properties

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