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45-3321 Kamani St, Honokaa, HI, 96727

7beds
4baths
2,390sqft
$1,050,000
$439price/sqft
$6,606/moest. monthly cost
$264,240/yrincome needed

About This Home

Immaculate Multi-Unit Property in the Heart of Honokaʻa Town Discover a rare opportunity in charming Honokaʻa Town—an immaculate, well-maintained three-unit property offering exceptional flexibility for both homeowners and investors. Ideal for a large or extended family, this versatile layout also allows you to live in one unit while renting the other two to help offset carrying costs. The property features new interior and exterior paint and includes: • Main House: 3 bedrooms and 1.5 bathrooms • Second Unit: 3 bedrooms, 1 bathroom, and a living room • Third Unit: 1 bedroom, 1 bathroom, and a living room Each unit is thoughtfully maintained, making this a true move-in-ready opportunity. Located just 15 minutes from Waimea and under an hour to Hilo, this property offers the perfect balance of small-town charm and convenience. Enjoy close proximity to Honokaʻa Hospital, the historic Honokaʻa People’s Theatre, local shops, dining, and everyday amenities—all within a welcoming community. Whether you’re seeking multi-generational living, a strong investment opportunity, or a live-in-one, rent-the-others lifestyle, this Honokaʻa property delivers outstanding value, location, and versatility. A unique opportunity to own a multi-unit residence in one of Hawaiʻi Island’s most beloved towns.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

4/10
Honokaa Elementary SchoolGrades PK-60.2 mi
1/10
Ke Kula O EhunuikaimalinoGrades PK-1248.9 mi

Construction

Condition

  • Year built: 1995

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Range Hood,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Window features: Blinds
  • Flooring: Carpet,Laminate

Interior Area

  • Total structure area: 2,390
  • Total interior livable area: 2,390 sqft

Property

Details

  • Parcel number: 3450170460000
  • Zoning: RS-10
  • Special condition: Fee Simple,Standard

Features

  • Levels: One
  • Has view: Yes
  • View description: Mountain(s)
  • Topography of land: Fairly Level,Terraced

Lot

  • Lot size: 10,114 sqft
  • Features: Interior Lot

Parking

  • Total spaces: 1
  • Parking features: Covered
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Lightning
Wildfire
Volcanic Activity

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 $5,309$63,708
Home Insurance *$273$3,276
Property Taxes $255$3,060
Electricity $769$9,235
Total$6,606$79,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,491/yr
40% on housing$198,180/yr
45% on housing$176,160/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

$439This listing

vs Other Active Listings

Avg $/sqft

ZIP 96727$605
Hawaii County$496

vs Homes Sold Last Month

Median $/sqft

ZIP 96727$504
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
2026-04-13Price change$1,050,000
2026-03-04Price change$1,100,000
2026-01-19Listed for sale$1,200,000
1995-05-26Sold$65,000

For Sale by Agent

AgentJames G Batol
BrokerageColdwell Banker Island Properties - Kamuela

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