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98-1040 Moanalua Rd #1302, Aiea, HI, 96701

3beds
2baths
895sqft
$399,000
$446price/sqft
$2,535/moest. monthly cost
$101,400/yrincome needed

About This Home

Welcome to this bright and breezy 3-bedroom, 2-bath top-floor home in the highly desirable Gardens at Pearlridge. This unit offers added privacy and a comfortable, open layout with great natural light. Unit includes laminate flooring, updated kitchen finishes, and in-unit laundry for everyday convenience. Each bedroom is equipped with A/C, and the unit comes with two assigned parking stalls—one covered and one open. The area has beautifully maintained grounds and has amenities such as the pool, BBQ areas, hot tub, and ample guest parking. Ideally located across from Pearlridge Center and moments from Pali Momi Medical Center, dining, shopping, and freeway access. A wonderful blend of comfort, convenience, and community in the heart of Aiea.

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

6/10
8/10
Aiea Intermediate SchoolGrades 7-81.0 mi
6/10
Aiea High SchoolGrades 9-120.6 mi

Construction

Condition

  • Property condition: Average Condition
  • Year built: 1976

Materials

  • Construction materials: Masonry,Other,Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Low Rise
  • Property subType: Condominium

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet

Interior Area

  • Total structure area: 895
  • Total interior livable area: 895 sqft

Property

Details

  • Parcel number: 1980390030014
  • Zoning description: 12 - A-2 Medium Density Apartme
  • Special condition: None

Features

  • Levels: Three Or More
  • Has view: Yes
  • View description: City,Ocean
  • Has water view: Yes
  • Water view: Ocean
  • Frontage type: Other

Parking

  • Total spaces: 2
  • Parking features: Assigned

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

  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Earthquake
Inland Flooding

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 $2,017$24,204
Home Insurance *$75$900
Property Taxes $69$828
Electricity $374$4,497
Total$2,535$30,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,914/yr
40% on housing$76,050/yr
45% on housing$67,600/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

$446This listing

vs Other Active Listings

Avg $/sqft

ZIP 96701$505
Honolulu County$747

vs Homes Sold Last Month

Median $/sqft

ZIP 96701$615
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
2026-06-18Listed for sale$399,000
2016-07-20Listing removed$298,000
2016-04-22Price change$298,000
2016-04-07Price change$307,500
2016-02-10Listed for sale$310,000
2013-06-14Sold$260,000
1994-05-12Sold$46,700

For Sale by Agent

AgentJennifer K Garo
BrokerageColdwell Banker Realty

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