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32-122 Piha Kahuku Rd #4, Ninole, HI, 96773

4beds
5baths
2,400sqft
$1,860,000
$775price/sqft
$10,863/moest. monthly cost
$434,520/yrincome needed

About This Home

Amazing blue ocean views from this beautiful and private island home on a 12.98 acre parcel at an ideal elevation of approximately 600'. This custom home has a thoughtful design with a single story floor plan with exceptional views of the ocean and Hamakua Coast. The well appointed kitchen opens to a vaulted ceiling living room that leads to a full wrap around deck that provides access to each of the two bedrooms and to covered parking on each side of the house. The home is situated at the top of the property with unobstructed sweeping ocean views. On a clear day the property has views of Mauna Kea.In addition to the main home there are three additional unpermitted farm dwellings on the property. Each of these dwellings have ocean views and are private from the main house with different locations on the property that support farm operations. Home of the Hamakua Christmas Tree Forrest, this is a working farm with an established Christmas tree business. There are approximately 3,300 trees on the property ranging in age from 2-10 years with an average tree value of $80.00. The property also has established infrastructure for the operation of a freshwater tropical fish business. There are a variety of fruit crops on the property that include: white pineapple, mango, banana, lilikoi, guava, and avocado and honey producing beehives. The property borders the Waikaumalo Stream where there is access to two waterfalls. The Waikaumalo Park is located just below the property off the Old Mamalahoa Hwy. The property is located approximately about 30 minutes from Hilo and the international airport. This is a special property with an opportunity to inherit an existing established farm with room for growth, or to simply enjoy the beautiful home and the spectacular views. Buyers and their Agents responsible for independently verifying all information regarding property including the information contained in this listing .

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2012

Materials

  • Construction materials: Double Wall

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Indoor Grill,Microwave,Oven,Range,Range Hood,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Flooring: Ceramic Tile,Hardwood

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 2,400 sqft

Property

Details

  • Parcel number: 3320020210000
  • Zoning: A-20A
  • Special condition: Fee Simple,Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Wire,Wood
  • Has view: Yes
  • View description: Mountain(s),Ocean,Pasture
  • Has water view: Yes
  • Water view: Ocean
  • Frontage type: Pasture,Stream/Canal
  • Topography of land: Rolling Terrain

Lot

  • Lot size: 12.98 Acres
  • Features: Farm

Parking

  • Total spaces: 2
  • Parking features: Assigned,Attached
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Lightning
Wildfire
Volcanic Activity

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 $9,405$112,860
Home Insurance *$144$1,728
Property Taxes $542$6,504
Electricity $772$9,274
Total$10,863$130,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$372,445/yr
40% on housing$325,890/yr
45% on housing$289,680/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

$775This listing

vs Other Active Listings

Avg $/sqft

ZIP 96773
Hawaii County$496

vs Homes Sold Last Month

Median $/sqft

ZIP 96773$794
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
2026-05-08Listed for sale$1,860,000

For Sale by Agent

AgentPeter S Berezney
BrokeragePololei Hawaii Properties

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