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3590 Moloaa Rd, Kapaa, HI, 96746

1beds
1baths
800sqft
$1,095,000
$1,369price/sqft
$6,382/moest. monthly cost
$255,280/yrincome needed

About This Home

Experience the tranquility of Moloaʻa Bay, one of Kauaʻi's most treasured and secluded beach communities. Just a short stroll from the pristine shoreline, this inviting island retreat offers the perfect blend of privacy, comfort, and the relaxed North Shore lifestyle. Upstairs is the main home, a 1 bedroom residence with a huge wraparound lanai and a rooftop deck above. Below the residence is finished (unpermitted) space galore. Fully finished downstairs 'studio' with a full bathroom and another half bath to the outside, plus a separate finished room. Tons of covered outdoor space throughout the property. Backing to Moloaa Stream, this is the quintessential jungle house. Designed for easy island living, the home features a private well water system with a Whole House Water Filtration System, energy-efficient Daikin heating and air conditioning, an on-demand water heater, and a luxurious Mr. Steam shower, creating a spa-like atmosphere to enjoy year-round. Surrounded by lush tropical landscaping, the property includes thriving gardens, a charming gazebo, an outdoor garden shower, and a relaxing jetted soaking tub, creating multiple spaces to embrace Kauaʻi's indoor-outdoor lifestyle. An elevated gathering area provides the perfect setting to unwind beneath the stars.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

3/10
Kapaa Elementary SchoolGrades PK-57.2 mi
2/10
Kapaa Middle SchoolGrades 6-87.8 mi
6/10
Kapaa High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 1970

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 800
  • Total interior livable area: 800 sqft

Property

Details

  • Parcel number: 4490130040000
  • Zoning: O
  • Special condition: Fee Simple,Standard

Lot

  • Lot size: 5,097 sqft

Parking

  • Parking features: Unassigned

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Landslide
Tsunami

FEMA Declared Disasters Across Hawaii Counties

Flood
Mud Landslide
Severe Storm

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 $5,536$66,432
Home Insurance *$244$2,928
Property Taxes $228$2,736
Electricity $374$4,497
Total$6,382$76,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$218,811/yr
40% on housing$191,460/yr
45% on housing$170,186/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,369This listing

vs Other Active Listings

Avg $/sqft

ZIP 96746$872
Kauai County$1,391

vs Homes Sold Last Month

Median $/sqft

ZIP 96746$604
Kauai County$725

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
2026-07-06Listed for sale$1,095,000

For Sale by Agent

AgentMichael Ambrose
BrokerageKeller Williams Honolulu

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