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14-3509 Pahoa Cir, Pahoa, HI, 96778

2beds
1baths
899sqft
$220,000
$245price/sqft
$1,606/moest. monthly cost
$64,240/yrincome needed

About This Home

Well-maintained home located in a desirable section of Nanawale Estates on a quiet dead-end cul-de-sac. The area has a pleasant, friendly feel, and the location offers a nice sense of privacy with only a few neighbors in the cul-de-sac. A spacious covered back deck overlooks the yard and the raised garden bed — a perfect spot to enjoy the peaceful surroundings and the sound of birds. Inside, the home features two sliding glass doors opening to the backyard and a series of renovations completed in around June 2025, including: New kitchen countertops and cabinets New flooring New kitchen sink and garbage disposal New plumbing pipes under the home New water catchment cover New water pump Energy efficiency is enhanced with Tesla batteries and solar panels, significantly lowering monthly electricity costs and providing power support during outages. Additional features include: Large carport Covered washer and dryer area Ramp going into the home Large storage shed Four outdoor hose connections This is a well-kept home with thoughtful upgrades, tropical landscaping, and a peaceful cul-de-sac location in Pāhoa.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Pahoa Elementary SchoolGrades PK-62.8 mi

Construction

Condition

  • Year built: 1983

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet

Interior Area

  • Total structure area: 899
  • Total interior livable area: 899 sqft

Property

Details

  • Parcel number: 3140760540000
  • Attached to another structure: Yes
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Lot

  • Lot size: 8,040 sqft

Parking

  • Parking features: Covered

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 $1,112$13,344
Home Insurance *$99$1,188
Property Taxes $21$252
Electricity $374$4,497
Total$1,606$19,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,062/yr
40% on housing$48,180/yr
45% on housing$42,826/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

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 96778$243
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
2026-04-30Listed for sale$220,000
2026-04-15Contingent$220,000
2026-04-02Price change$220,000
2025-12-05Listed for sale$240,000
2018-01-25Sold$139,000
2017-11-10Pending sale$139,000
2017-11-07Listed for sale$139,000
2008-02-28Sold$145,000
2002-10-16Sold$55,000

For Sale by Agent

AgentLeiana Milho
BrokerageHilo Bay Realty LLC

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