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94-6491 Kamaoa Rd, Naalehu, HI, 96772

4beds
2baths
2,124sqft
$539,500
$254price/sqft
$3,681/moest. monthly cost
$147,240/yrincome needed

About This Home

Illness Forces Sale — Spacious Kaʻū Home with Ocean & Hill Views! Copy and Paste Video Link: https://drive.google.com/file/d/1VHzyVsB-yR5wdy0j9ynoqmzUujO1f0MG/view?usp=drivesdk This spacious 4-bedroom, 2-bath, 2,124 sq ft home sits on a half-acre lot in the heart of Kaʻū. Enjoy stunning ocean and Waiohinu hill views from the vaulted-ceiling living room, filled with natural light and cooling island breezes. The kitchen features tile countertops and includes a range, refrigerator, and dishwasher. A flexible floor plan provides space for family, guests, or a home office. Each bedroom enjoys its own private outdoor access, offering excellent privacy and versatility for multigenerational living or hosting visitors. The former carport has been converted into a large bonus room with a separate entrance, ideal as a family room, guest suite, or income-producing rental unit. With multiple private entrances and a thoughtful layout, this home can easily be configured for extended family living or dual occupancy. The lush property features mature fruit trees—macadamia, avocado, loquat, soursop, lemon, lime, orange, mango, honey tangerine, calamansi, moringa, sugar apple, and several varieties of banana, pineapple, and guava. Landscaped with colorful ti plants, hibiscus, orchids, succulents, and tropical ornamentals, all bordered by a solid cinder block privacy wall framing the greenery. Located in desirable Lava Zone 6, the property offers rear access for building a workshop or future ohana unit. A small plant sale business is included—perfect for a self-sufficient island lifestyle. Just 3.5 miles from Naʻālehu, the southernmost town in the U.S., close to the Punaluʻu Bake Shop, farmers market, and world-class fishing at nearby South Point. Experience peaceful country living surrounded by wide-open landscapes, black and green sand beaches, and the natural beauty of Hawaiʻi’s southern coast.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

2/10
Naalehu Elementary SchoolGrades PK-63.5 mi
1/10
Ke Kula O EhunuikaimalinoGrades PK-1236.8 mi

Construction

Condition

  • Year built: 1989

Materials

  • Construction materials: Double 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: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • See Remarks,Vaulted Ceiling(s)
  • Window features: Blinds,Drapes
  • Flooring: Ceramic Tile

Interior Area

  • Total structure area: 2,124
  • Total interior livable area: 2,124 sqft

Property

Details

  • Parcel number: 3940061030000
  • Zoning: A-1A
  • Special condition: Fee Simple,Standard

Features

  • Levels: One
  • Exterior features: See Remarks
  • Fencing: Masonry
  • Has view: Yes
  • View description: Mountain(s),Ocean,Ocean Horizon,Sunrise
  • Has water view: Yes
  • Water view: Ocean
  • Topography of land: Fairly Level,Gentle Slope

Lot

  • Lot size: 0.48 Acres
  • Features: Grassy,Interior Lot,Landscaped,See Remarks
  • Lot size dimensions: 205 x 100

Parking

  • Parking features: Other

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
  • Volcanic Activity
    Volcanic ActivityVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding
Volcanic Activity
Lightning
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 $2,728$32,736
Home Insurance *$203$2,436
Property Taxes $67$804
Electricity $683$8,207
Total$3,681$44,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,205/yr
40% on housing$110,430/yr
45% on housing$98,160/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 96772$276
Hawaii County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 96772$378
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
2026-01-27Price change$539,500
2025-10-17Listed for sale$595,500
2015-12-31Sold$190,000
2010-02-22Sold$116,000

For Sale by Agent

AgentTeena Genge
BrokerageUnited Country Real Estate-Hawaii Lifestyle Properties, LLC

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