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94-537 Lumiaina St APT W204, Waipahu, HI, 96797

2beds
2baths
754sqft
$510,000
$676price/sqft
$3,193/moest. monthly cost
$127,720/yrincome needed

About This Home

MOTIVATED SELLER!!! Welcome to this charming 2-bedroom, 2-bath condo in the desirable Mahi Ko at Waikele community. This property has been professionally cleaned, and new carpet has been installed, making it move-in ready. Conveniently located near the main entrance of the community, this unit offers easy access in and out while still providing a comfortable residential setting. Centrally located just minutes from freeway access, shopping, dining, and entertainment, this home combines comfort and convenience. Inside, you'll find a spacious open living area that is perfect for relaxing or entertaining guests. The thoughtful floor plan includes a private primary suite with its own en-suite bathroom, creating a peaceful retreat at the end of the day. Additional features include 2 assigned parking stalls, adding to the home's everyday practicality and convenience. Whether you're a first-time homebuyer, downsizing, or utilizing your VA benefits, this well-maintained condo presents an excellent opportunity to own in one of Waikele's most desirable communities.

Getting Around

15
WalkingCar-Dependent
41
TransitSome Transit
22
BikeSomewhat Bikeable

Schools

8/10
Waikele Elementary SchoolGrades PK-60.5 mi
7/10
7/10
Waipahu High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Good Condition
  • Year built: 1993

Materials

  • Construction materials: Double Wall

Type & Style

  • Home type: Townhouse
  • Architectural style: Low Rise
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Laminate

Interior Area

  • Total structure area: 824
  • Total interior livable area: 754 sqft

Property

Details

  • Parcel number: 1940070670226
  • Zoning description: 11 - A-1 Low Density Apartment
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Other
  • Frontage type: Other

Parking

  • Total spaces: 2
  • Parking features: Assigned,Guest,Two Spaces
  • Has uncovered spaces: 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 $2,578$30,936
Home Insurance *$91$1,092
Property Taxes $150$1,800
Electricity $374$4,497
Total$3,193$38,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,474/yr
40% on housing$95,790/yr
45% on housing$85,146/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

$676This listing

vs Other Active Listings

Avg $/sqft

ZIP 96797$518
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
2026-08-10Price change$499,000
2026-07-27Price change$510,000
2026-07-10Price change$525,000
2026-07-08Price change$535,000
2026-06-15Price change$539,998
2026-06-03Price change$549,998
2026-05-10Listed for sale$549,999
2009-05-20Sold$270,000
2002-09-20Sold$141,000

For Sale by Agent

AgentMarilou G Moralez
BrokerageeXp Realty

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