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94-689 Lumiaina St, Waipahu, HI, 96797

3beds
3baths
1,407sqft
$1,020,000
$725price/sqft
$6,195/moest. monthly cost
$247,800/yrincome needed

About This Home

Welcome to Royal Pines at Waikele, where comfort, convenience, and pride of ownership come together in this beautifully maintained single-family home. Featuring 3 bedrooms and 2.5 bathrooms, this residence offers numerous improvements and upgrades. New electrical panel; updated light switches and most outlets; installed split AC units (downstairs, primary bedroom, and office); AC unit in the guest bedroom; resurfaced both bathtubs; renovated staircase; installed ceiling fans and new light fixtures throughout; new blinds installed upstairs. New washer and dryer, refrigerator, oven, microwave, and dishwasher. Exterior and additional improvements include a new garage door opener with keypad, new irrigation system valves, trimmed front yard trees and a backyard mango tree, expanded patio area, and a rebuilt retaining wall. Outside, enjoy lush landscaping and blooming fruit trees that create a tranquil island setting. Complete with a spacious garage and ample street parking for guests, this home is ideally located near freeway access, Waikele Golf Club, Waikele Premium Outlets, dining, and shopping. An exceptional opportunity to own in one of Waikele’s most sought-after neighborhoods.

Getting Around

57
WalkingSomewhat Walkable
39
TransitSome Transit
26
BikeSomewhat Bikeable

Schools

8/10
Waikele Elementary SchoolGrades PK-60.1 mi
6/10
7/10
Waipahu High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1994

Materials

  • Construction materials: Double Wall,Concrete,Wood Frame

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Ceramic Tile,Laminate

Interior Area

  • Total structure area: 1,407
  • Total interior livable area: 1,407 sqft

Property

Details

  • Parcel number: 1941470350000
  • Zoning description: 05 - R-5 Residential District
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Landscaping
  • Fencing: Fenced,Wall
  • Has view: Yes
  • View description: Garden,Other
  • Topography of land: Level,Other

Lot

  • Features: Corner Lot,Irregular Lot,Other,Level

Parking

  • Total spaces: 4
  • Parking features: Driveway,Garage,Three or more Spaces
  • Has garage: 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 FloodingVery High
  • Lightning
    LightningVery High
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Earthquake
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 $5,157$61,884
Home Insurance *$182$2,184
Property Taxes $403$4,836
Electricity $453$5,437
Total$6,195$74,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$212,400/yr
40% on housing$185,850/yr
45% on housing$165,200/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

$725This listing

vs Other Active Listings

Avg $/sqft

ZIP 96797$512
Honolulu County$747

vs Homes Sold Last Month

Median $/sqft

ZIP 96797$693
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
2026-05-12Price change$1,050,000
2026-03-24Listed for sale$1,100,000
2024-07-16Sold$935,000
2024-06-11Contingent$935,000
2024-06-06Listed for sale$935,000
2024-05-29Listing removed$935,000
2024-04-19Contingent$935,000
2024-04-09Price change$935,000
2024-03-04Listed for sale$950,000
2023-01-01Listing removed$990,000
2022-09-19Price change$990,000
2022-09-06Listed for sale$1,050,000
1995-07-27Sold$348,000

For Sale by Agent

AgentShannon D Severance
BrokerageRE/MAX Honolulu

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