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44-421 Kaneohe Bay Dr, Kaneohe, HI, 96744

5beds
4baths
3,200sqft
$3,895,000
$1,217price/sqft
$22,451/moest. monthly cost
$898,040/yrincome needed

About This Home

A waterfront home built for the Bay. Step out for stand-up paddle boarding, launch a small raft or pontoon, or sit on the lanai and take in the Views of Kaneohe Bay and the Ko'olau Mountains. Extensively renovated with new roof, new plumbing, new electrical, and a brand-new driveway. Double-wall construction and sound insulation throughout for comfort and quiet. The layout works two ways. Upstairs offers grand living, a main dining room, a wraparound Trex deck with glass railings, split AC, and quartzite counters. Downstairs has 3 bedrooms with its own private entrances and flexible living space. Live in all of it, or keep the lower level open to your needs. Step outside to a tropical retreat. Mature mango and coconut trees, plumeria and pikake, an outdoor shower to rinse off after the water, and a gazebo set near the water's edge for sunset views over the bay. Great home for Bay lifestyle or opportunities for a 1031X.

Getting Around

14
WalkingCar-Dependent
28
TransitSome Transit
13
BikeSomewhat Bikeable

Schools

7/10
Aikahi Elementary SchoolGrades PK-61.0 mi
7/10
10/10
Kalaheo High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Excellent,Updated/Remodeled
  • Year built: 1941

Materials

  • Construction materials: Double Wall,Single Wall

Notable Dates

  • Major remodel year: 2025

Type & Style

  • Home type: SingleFamily
  • Architectural style: Detached
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Bedroom on Main Level,Full Bath on Main Level
  • Flooring: Carpet,Vinyl

Interior Area

  • Total structure area: 4,236
  • Total interior livable area: 3,200 sqft

Property

Details

  • Parcel number: 1440060180000
  • Zoning description: 03 - R10 - Residential District
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Mountain(s),Ocean,Sunset,Sunrise
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Frontage type: Oceanfront,Waterfront
  • Topography of land: Sloping

Lot

  • Features: Cleared,Interior Lot

Parking

  • Total spaces: 4
  • Parking features: Carport,Driveway,Three or more Spaces
  • Carport: Yes

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Earthquake
Landslide
Tsunami
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 $19,695$236,340
Home Insurance *$636$7,632
Property Taxes $1,090$13,080
Electricity $1,030$12,365
Total$22,451$269,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$769,748/yr
40% on housing$673,530/yr
45% on housing$598,693/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,217This listing

vs Other Active Listings

Avg $/sqft

ZIP 96744$771
Honolulu County$747

vs Homes Sold Last Month

Median $/sqft

ZIP 96744$766
Honolulu County$707

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
2026-06-11Listed for sale$3,895,000
2024-02-29Sold$2,260,000
2023-12-19Contingent$2,200,000
2023-12-06Listed for sale$2,200,000
2019-03-15Sold$1,776,000
2018-12-02Listed for sale$1,800,000
2017-08-07Listing removed$1,650
2017-07-29Listed for rent$1,650
2002-11-06Sold$850,000

For Sale by Agent

AgentCorinda S Wong
BrokerageHawaii Modern Realty

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