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16-1594 40th St, Kurtistown, HI, 96760

2beds
1baths
640sqft
$275,000
$430price/sqft
$1,929/moest. monthly cost
$77,160/yrincome needed

About This Home

Tucked away behind a gated 300-foot driveway, this one-bedroom, one-bath home sits in a secluded garden sanctuary with an extraordinary variegated banyan tree as the centerpiece. In the shade of the banyan tree you'll find orchids, brilliant red anthuriums, bromeliads, ti, crotons, and ferns weaving a living tapestry, with pathways that wander past fruit trees and open spaces waiting to be explored. The home itself is compact, comfortable, and thoughtfully designed for island living. A 300 sq ft great room brings together the kitchenette, dining and living areas in one open space filled with light. The 190 sq ft bedroom includes a reading nook and workspace, and the recently updated bathroom features a tiled shower and modern finishes. A new covered lanai—approximately 10 × 32 feet—extends the living space outdoors, perfect for reading in the shade, afternoon BBQs or just listening to the patter of the tropical rain across the garden canopy. See the video here: https://orchidlandestates.com/video/MLS724431.mp4 Systems and Features • Water: Rain catchment system with triple “Big Blue” filtration — no water bill. • Power: 48-volt solar system with six 365 W panels and 5.12 kWh LiFePO₄ battery — SSPP is already paid and poles are installed if you prefer grid connection. • Internet: High-speed Hawaiian Telcom fiber. • Food: Fruit trees include avocado, lychee, mango, jackfruit, breadfruit, orange, lemon, loquat, star apple, macadamia nut, ice cream bean, clove, cinnamon and allspice. According to a previous owner, there are about 40 trees, though some may be hidden in the jungle. At roughly 700 feet elevation, the temperature stays mild year-round — warm days, cool nights, and enough rainfall to keep everything lush. Just a few blocks from Orchidland Drive’s convenience center and within a half-hour of Hilo, beaches, and parks, this property balances privacy, sustainability, and accessibility in a uniquely beautiful setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
Keaau Elementary SchoolGrades PK-54.5 mi
5/10
Keaau Middle SchoolGrades 6-85.1 mi
3/10
Keaau High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1988

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Property

Details

  • Parcel number: 3160120190000
  • Zoning: A-3A
  • Special condition: Fee Simple,Standard

Features

  • Levels: One
  • Has view: Yes
  • View description: Forest,Garden
  • Topography of land: Fairly Level

Lot

  • Lot size: 3.00 Acres
  • Features: See Remarks
  • Lot size dimensions: 1045 x 125

Parking

  • Parking features: 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 $1,390$16,680
Home Insurance *$85$1,020
Property Taxes $80$960
Electricity $374$4,497
Total$1,929$23,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,137/yr
40% on housing$57,870/yr
45% on housing$51,440/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

$430This listing

vs Other Active Listings

Avg $/sqft

ZIP 96760$238
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96760$390
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
2026-05-14Price change$275,000
2026-01-06Price change$299,000
2025-10-12Listed for sale$308,000
2022-06-09Sold$240,000
2022-04-19Contingent$249,000
2022-04-13Listed for sale$249,000
2022-04-09Contingent$249,000
2022-04-03Listed for sale$249,000

For Sale by Agent

AgentWoody Musson
BrokerageLocal Hawaii Real Estate

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