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99 Elm Dr, Hilo, HI, 96720

5beds
3baths
2,304sqft
$850,000
$369price/sqft
$5,349/moest. monthly cost
$213,960/yrincome needed

About This Home

Offered here is a custom home designed for comfortable `ohana living at its best. This move-in-ready, thoughtfully crafted two-story residence offers expansive living spaces and flexible options for large or multigenerational families. From the two-car carport, double doors open to a spacious foyer with a living room on one side and two bedrooms with a full bath on the other. At the rear, a large utility room provides abundant storage and a small workshop area. Solid wood and glass doors, ceiling fans throughout, and AC in the bedrooms enhance everyday comfort. Upstairs features a bright, open great room combining living, dining, and kitchen areas. The kitchen includes quartz tops, self-closing cabinetry, a stainless gas range, refrigerator, dishwasher, full tile backsplash, water filter, and a touchless faucet. The floors are upscale, Luxury Finyl Flooring, with tile in the baths. A generous amount of windows and fans create excellent natural light and airflow. The primary suite offers a walk-in closet, full bath, and AC unit. Enjoy ocean, Mauna Kea, and Mauna Loa views from the covered 420 sq ft lanai—perfect for relaxing or entertaining with gentle trade winds. A second carport accommodates a third vehicle and additional storage. A back staircase from the kitchen was added, using trex decking for the treads. The 12,255 sq ft lot sits near the end of a quiet cul-de-sac and is extensively landscaped, with tiered garden beds ready for flowers or vegetables. The backyard is fenced for pets and keiki, and a shed is available to store garden tools and supplies. The gas range and tankless water heater are serviced by propane (buyer to assume service). Centrally located near shopping, dining, schools, and medical facilities. A wonderful opportunity to enjoy a home that will “check all the boxes” for you. Come see for yourself. The home is lightly staged, the leather sofa, "sleep numbers" king bed, and bar stools are included in the sale at no value.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
6/10
9/10
Waiakea High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2006

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Wall/Window Unit(s)

Features

  • Window features: Blinds,Drapes
  • Flooring: Ceramic Tile,Laminate

Interior Area

  • Total structure area: 2,304
  • Total interior livable area: 2,304 sqft

Property

Details

  • Parcel number: 3220550300000
  • Zoning: RS-10
  • Special condition: Fee Simple,Standard

Features

  • Fencing: Wire
  • Has view: Yes
  • View description: Mountain(s),Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 3
  • Parking features: Covered
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 3

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
  • Tsunami
    TsunamiRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Lightning
Volcanic Activity
Tsunami
Coastal Flooding
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 $4,298$51,576
Home Insurance *$244$2,928
Property Taxes $66$792
Electricity $741$8,903
Total$5,349$64,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,394/yr
40% on housing$160,470/yr
45% on housing$142,640/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

$369This listing

vs Other Active Listings

Avg $/sqft

ZIP 96720$443
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96720$466
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
2026-04-17Price change$899,000
2026-02-23Listed for sale$940,000
2018-01-04Sold$369,500
2017-10-31Pending sale$389,500
2017-07-11Listed for sale$389,500
2015-05-22Listing removed$391,000
2015-05-16Price change$391,000
2015-05-02Price change$392,000
2015-04-25Price change$393,000
2015-04-18Price change$394,000
2015-03-29Price change$395,000
2015-03-24Price change$396,000
2015-03-14Price change$397,000
2015-03-07Price change$398,000
2015-01-25Price change$399,000
2014-08-15Price change$449,000
2014-06-01Price change$475,000
2010-12-04Listed for sale$350,000
2006-03-03Sold$185,000
2005-10-10Sold$117,800

For Sale by Agent

AgentEd Torrison
BrokerageHilo Bay Realty LLC

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