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45-9 Kaneohe Bay Dr, Kaneohe, HI, 96744

4beds
3baths
1,616sqft
$1,200,000
$743price/sqft
$7,133/moest. monthly cost
$285,320/yrincome needed

About This Home

Spacious yard area. Dwelling is 3 bedroom 1.5 bath with a 1 bedroom 1bath built in the basement. Dwelling differs from tax accessors information. Property has been upgraded over the years for the comfort of the tenants. Owner installed good drainage infrastructure protecting the improvements against weather. Two car carport with more parking in driveway. Living room of main until has view of the ocean. New carpet installed 7/18/2026 in upstairs unit. Newly painted by owner with lots of small repairs. Bus stop in front on next door neighbors lot.

Getting Around

11
WalkingCar-Dependent
28
TransitSome Transit
24
BikeSomewhat Bikeable

Schools

2/10
Puohala Elementary SchoolGrades PK-80.9 mi
5/10
Castle High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Good Condition,Updated/Remodeled
  • Year built: 1959

Materials

  • Foundation: Slab
  • Construction materials: Hollow Tile,Single Wall,Wood Frame

Notable Dates

  • Major remodel year: 2016

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Ceramic Tile,Other

Interior Area

  • Total structure area: 1,616
  • Total interior livable area: 1,616 sqft

Property

Details

  • Parcel number: 1451040170000
  • Zoning description: 05 - R-5 Residential District
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • Topography of land: Sloping

Lot

  • Features: Corner Lot,Irregular Lot

Parking

  • Total spaces: 2
  • Parking features: Carport,Two Car Garage,Two Spaces
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $6,067$72,804
Home Insurance *$196$2,352
Property Taxes $350$4,200
Electricity $520$6,244
Total$7,133$85,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$244,560/yr
40% on housing$213,990/yr
45% on housing$190,213/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

$743This listing

vs Other Active Listings

Avg $/sqft

ZIP 96744$777
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
2026-08-07Contingent$1,200,000
2026-07-22Listed for sale$1,200,000

For Sale by Agent

AgentGerald T Takasaki
BrokerageHorita Realty LLC

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