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14-3404 Hawaii Rd, Pahoa, HI, 96778

4beds
2baths
960sqft
$315,000
$328price/sqft
$2,415/moest. monthly cost
$96,600/yrincome needed

About This Home

This solid 4-bedroom, 2-bath home in Nanawale Estates offers comfort, privacy, and extra space to grow. Built with double-wall construction and nearly 1,000 sqft of interior space, the layout is clean and practical—featuring a covered front lanai, open living area, and four true bedrooms, ideal for family, guests, or a home office. The home sits on an 8,210 sqft lot and may be sold together with the cleared parcel behind it, adding another 8,210 sqft of land for a total of 16,420 sqft. The rear lot currently serves as an extended backyard, but it's a separate, buildable parcel—giving you future flexibility for expansion or investment (buyer to confirm with County and NCA). Nanawale Estates is an active, tropical community just minutes from Pāhoa town and Puna Kai Shopping Center. All property owners are members of the Nanawale Community Association, with access to a saltwater pool, park, playground, and the Longhouse, which hosts events and resources like food pantries and craft fairs. Annual dues are approx. $104 per lot (subject to change), and building plans must be submitted for approval. Catchment and septic systems are common here; electricity is overhead. Quiet street, spacious feel, and ready for a new chapter.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
Pahoa Elementary SchoolGrades PK-62.1 mi

Construction

Condition

  • Year built: 1987

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Property

Details

  • Parcel number: 3140590560000
  • Attached to another structure: Yes
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Topography of land: Fairly Level

Lot

  • Lot size: 8,210 sqft
  • Features: Cleared,Corner Lot

Parking

  • Parking features: None

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 $1,592$19,104
Home Insurance *$142$1,704
Property Taxes $307$3,684
Electricity $374$4,497
Total$2,415$28,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,800/yr
40% on housing$72,450/yr
45% on housing$64,400/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

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 96778$242
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96778$313
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)

Price History

DateEventPrice
2025-09-12Price change$315,000
2025-07-17Listed for sale$330,000
2020-07-13Sold$143,800
2020-05-19Pending sale$149,000
2020-05-07Listed for sale$149,000
2019-12-30Sold$65,000
2019-12-09Price change$70,000
2019-11-07Price change$79,900
2019-09-26Price change$84,900
2019-08-24Listed for sale$87,900
2019-02-05Sold$92,200
2018-08-17Listing removed$110,958
2018-07-17Listed for sale--
2007-07-16Sold$90,000

For Sale by Agent

AgentJames T Morrison
BrokerageKW Big Island

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