See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

82-5971 Government Main Rd, Captain Cook, HI, 96704

5beds
5baths
3,361sqft
$1,749,000
$520price/sqft
$11,810/moest. monthly cost
$472,400/yrincome needed

About This Home

This truly unique property enjoys spectacular views of the mesmerizing grandeur of the South Kona coastline and hinterland. Enviably located at the upper end of McCoy Plantation at a median elevation of approximately 1,460', this fully developed one acre property enjoys peace and privacy. Crowning the property is a turnkey furnished 4bd/3ba three level (plus loft) pole designed home that nestles in a colorful and meticulously maintained landscape. Discretely separate from the main house is a two level turnkey furnished ohana dwelling that also enjoys a wondrous southerly view of the South Kona coastline Notable features of the Main House include:- * Constructed of Douglas fir except for the cedar poles and redwood lanai railings. * Has operated as a very successful hosted vacation for many years. * First floor level--1bd/1ba with 379 sqft of living area. * Second level--3bd/1ba and laundry with 806 sqft of living area and 322 sqft of covered lanai. * Third level--Kitchen, bathroom and living room with 646 sqft of living area and 578 sqft of covered wraparound lanai. * A loft area of 234 sqft * A roof top lookout platform of 96 sq ft. * Koa cabinetry in the kitchen and 3rd level bathroom. * Quartzite kitchen counters. * Custom made floor to ceiling bypass doors access the lanai on the 3rd level. * Cathedral ceiling on the 3rd level. * Aircraft grade aluminum roof. * Two laundry areas. * A detached carport of 432 sqft. Notable features of the Ohana include:- * Recently added downstairs recreation room of 432 sqft. * Upper level like the main house is constructed of Douglas fir. It has 1bd/1ba with a living area of 864sqft. Notable landscape features:- * Approximately 100 producing coffee trees. * Fruit trees include, bananas, mango, jobaticaba and surinam cherry. * Palms and clumping bamboo. * Rockwalls bound the property on the western side and a portion of the southern side.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
5/10
Konawaena Middle SchoolGrades 6-82.2 mi
4/10
Konawaena High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1987

Materials

  • Construction materials: Double Wall,Single Wall,Wood Frame

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),High Ceilings,Stained/Leaded Glass
  • Flooring: Ceramic Tile,Hardwood

Interior Area

  • Total structure area: 3,361
  • Total interior livable area: 3,361 sqft

Property

Details

  • Parcel number: 3820090690000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Levels: Two
  • Exterior features: Lighting
  • Fencing: Stone
  • Has view: Yes
  • View description: Bay,Coastline,Forest,Garden,Mountain(s),Ocean,Ocean Horizon,Sunset
  • Has water view: Yes
  • Water view: Bay,Ocean
  • Topography of land: Steep Slope

Lot

  • Lot size: 1 Acres
  • Features: Interior Lot,Landscaped
  • Lot size dimensions: 221 x 200

Parking

  • Total spaces: 2
  • Parking features: Detached,Other
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
  • Lightning
    LightningVery High
  • Volcanic Activity
    Volcanic ActivityVery High
  • Earthquake
    EarthquakeRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Volcanic Activity
Earthquake
Wildfire
Landslide

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 $8,843$106,116
Home Insurance *$915$10,980
Property Taxes $970$11,640
Electricity $1,082$12,987
Total$11,810$141,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$404,914/yr
40% on housing$354,300/yr
45% on housing$314,933/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

$520This listing

vs Other Active Listings

Avg $/sqft

ZIP 96704$347
Hawaii County$496

vs Homes Sold Last Month

Median $/sqft

ZIP 96704$384
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
2026-05-07Listed for sale$1,800,000
2005-01-18Sold$885,000
2001-04-12Sold$445,000

For Sale by Agent

AgentSue Brown
BrokerageSue Brown Realty and Associates

Similar Homes