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15-1909 3rd Ave, Keaau, HI, 96749

3beds
4baths
2,177sqft
$750,000
$345price/sqft
$4,880/moest. monthly cost
$195,200/yrincome needed

About This Home

Welcome to your own tropical paradise! Located in desirable lower HPP, this spacious home offers... -- 3600 sq. ft. under roof -- 1740 sq. ft. of main living space -- a 437 sq. ft. downstairs ohana w/bath -- an owned photovoltaic system w/net metering -- a huge, 612 sq. ft. covered lanai overlooking the back yard -- an oversized 3-car garage -- custom hand-made wood cabinetry throughout -- vaulted wood ceiling in great room -- electronic entry gate -- a workshop -- a mature yard with a pond and waterfall -- privacy, and more. Custom designed for the 1-acre lot on which it sits, this home offers features rarely offered all in one home, and is perfect for living life to the fullest. When touring the home, don't miss the special touches the seller built into the home: There are the guardians of the house -- "Kimo" in the grain of the hand-made powder room door; and Maui, Mo and Aki in the wood grain of the custom kitchen cabinets. Also, the backlit shadow blocks above the kitchen cabinets, the dumbwaiter in the garage that leads to the laundry room, the "dumber waiter" by the left garage door for hoisting groceries and supplies to the upstairs lanai, and the "dumbest waiter" -- the aluminum and plastic recycling chutes from the lanai down to the collection bins.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10

Construction

Condition

  • Year built: 1995

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Refrigerator
  • Laundry features: Hook-ups Available

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Built-in Features,See Remarks,Vaulted Ceiling(s)
  • Flooring: Carpet

Interior Area

  • Total structure area: 2,177
  • Total interior livable area: 2,177 sqft

Property

Details

  • Parcel number: 3150300990000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Exterior features: See Remarks

Lot

  • Lot size: 1 Acres
  • Features: Landscaped,See Remarks

Parking

  • Parking features: Attached

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 $3,792$45,504
Home Insurance *$237$2,844
Property Taxes $150$1,800
Electricity $701$8,412
Total$4,880$58,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,314/yr
40% on housing$146,400/yr
45% on housing$130,133/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

$345This listing

vs Other Active Listings

Avg $/sqft

ZIP 96749$318
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96749$366
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
2026-05-05Price change$759,000
2026-03-31Price change$779,000
2025-12-13Price change$799,000
2025-10-13Price change$849,900
2025-09-12Listed for sale$886,000
2008-05-09Listing removed$70,000
2008-05-01Listed for sale$70,000
1995-05-16Sold$24,000

For Sale by Agent

AgentKit Muhs
BrokerageKohala Coast Properties

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