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3697 Lower Kula Rd #4, Kula, HI, 96790

4beds
5baths
5,867sqft
$1,950,000
$332price/sqft
$12,470/moest. monthly cost
$498,800/yrincome needed

About This Home

Room to Grow. Space to Create. A Home That Evolves With You. Behind electric gates on a fully fenced half-acre at a coveted 2,550' elevation, this nearly 5,900 SF home offers a rare combination of residence, gallery, studio & remarkably flexible live/work space unique in Upcountry Maui. Created over decades as the home, gallery & studio of internationally recognized fine art photographer Randy Hufford, it offers exceptional possibilities for multigenerational living, a private gallery, artist's atelier, professional office, wellness or educational practice, or potentially a licensed residential care home, subject to buyer verification of zoning, licensing & governmental requirements. Distinctive pole-house construction provides soaring ceilings, abundant natural light & an added benefit: most interior walls are non-load-bearing, making future reconfiguration easier as your needs evolve. Welcome home to Lower Kula, where cool Upcountry mornings, gentle trade winds, the majestic slopes of Haleakala & the sparkling Pacific become part of your everyday life. Originally a modest Upcountry cottage, the home has evolved into multiple levels of remarkably versatile live/work space, blending comfort, creativity & utility in a way few properties can. A colossal chef's kitchen, expansive 60-foot lanai with Bullfrog M7 spa, private bedroom & bath with separate entrance, wine cellar, abundant storage & 5 split-system A/C units further enhance liveability. Two gated entrances connected by upper & lower driveways provide exceptional flexibility, while mature citrus & avocado trees, fragrant gardenias, raised garden beds, a separate dog kennel & owned P/V panels with battery storage complete your private Upcountry sanctuary. Just minutes from La Provence, Kula ACE Hardware & many of Upcountry Maui's beloved farms, gardens & local treasures—yet only a short drive to Baldwin Beach—this is more than a home; it's a place to pursue your passions, support the people who matter most & create memories that will last a lifetime. Now offered at $1,850,000 following a significant $100,000 price improvement, this extraordinary Upcountry property deserves a fresh look from buyers who thought it was previously beyond reach.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

7/10
Kula Elementary SchoolGrades PK-50.7 mi
5/10

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle

Notable Dates

  • Major remodel year: 2021

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Solar Hot Water

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5

Features

  • Ceiling Fan(s),Storage
  • Window features: Blinds,Drapes

Interior Area

  • Total structure area: 5,867
  • Total interior livable area: 5,867 sqft

Property

Details

  • Parcel number: 2230530040000

Features

  • Patio & porch: Covered Lanai/Deck,Uncovered Lanai/Deck
  • Spa features: Spa/Hot Tub
  • Fencing: Wall/Fence
  • Has view: Yes
  • View description: Mountain/Ocean
  • Has water view: Yes
  • Water view: Mountain/Ocean
  • Waterfront features: None
  • Topography of land: Gentle Slope

Lot

  • Lot size: 0.50 Acres

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Volcanic Activity
    Volcanic ActivityRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Volcanic Activity
Wildfire
Earthquake

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 $9,860$118,320
Home Insurance *$364$4,368
Property Taxes $357$4,284
Electricity $1,889$22,671
Total$12,470$149,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$427,542/yr
40% on housing$374,100/yr
45% on housing$332,533/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 96790$1,062
Maui + Kalawao County$1,280

vs Homes Sold Last Month

Median $/sqft

ZIP 96790$838
Maui + Kalawao County$796

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
2026-08-06Price change$1,850,000
2026-07-05Listed for sale$1,950,000

For Sale by Agent

AgentRon Wilson RB-16344
BrokerageHawaiian Voyage Realty

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