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92-1423 Luau Dr, Ocean View, HI, 96737

1beds
1baths
514sqft
$144,900
$282price/sqft
$1,185/moest. monthly cost
$47,400/yrincome needed

About This Home

Aloha and welcome to this cute and cozy cabin-style retreat set on a full acre of land. This 1 bed / 1 bath home with a spacious loft offers a comfortable and flexible layout, with partial ocean views enjoyed from the top of the driveway and from the loft above. The property features a long, graded driveway lined with mature trees, opening up to cleared areas around the home—providing both privacy and usable outdoor space. A detached 1-car garage adds additional storage or workspace. Inside, the home is mostly finished and full of charm, with remaining materials and tools included for a new owner to complete the space to their liking. The home is being sold furnished, as shown in the photos, making it a convenient move-in-ready or getaway option. A SimpliSafe alarm system is also included. Appliances include a refrigerator, range/oven, stacked washer and dryer, electric water heater, microwave, and more. Originally permitted as a garage with a bath, the structure has been converted into a comfortable living space. Buyers are advised to perform their own due diligence regarding permits and intended use. Conveniently located with easy access to the highway, you’re just a short drive to gas stations, grocery stores, shopping centers, a hardware store, propane and tool rentals, local restaurants, the Post Office, and an auto parts store—making everyday living both practical and accessible. Whether you’re looking for a full-time residence, weekend retreat, or investment opportunity, this property offers a unique chance to own a slice of Hawai‘i with room to make it your own.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

2/10
Naalehu Elementary SchoolGrades PK-613.5 mi
1/10
Ke Kula O EhunuikaimalinoGrades PK-1230.3 mi

Construction

Condition

  • Year built: 2012

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator,Washer/Dryer Stacked

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 514
  • Total interior livable area: 514 sqft

Property

Details

  • Parcel number: 3920030390000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Lot

  • Lot size: 1.00 Acres

Parking

  • Parking features: Covered,Detached

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 $732$8,784
Home Insurance *$37$444
Property Taxes $42$504
Electricity $374$4,497
Total$1,185$14,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,628/yr
40% on housing$35,550/yr
45% on housing$31,600/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 96737$123
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96737$265
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
2026-04-05Listed for sale$144,900

For Sale by Agent

AgentEric D. McDermott
BrokerageH. Mc Kee Realty, Inc.

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