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5410 Kumole St, Kapaa, HI, 96746

1beds
1baths
500sqft
$899,000
$1,798price/sqft
$5,225/moest. monthly cost
$209,000/yrincome needed

About This Home

Discover the charming blend of cozy island living and development potential with this unique property in the Hulu Manu Subdivision in Kapaa. Situated on an expansive lot of approximately 29,490 SF, over 2/3 an acre and zoned R-6, this property offers a "best of both worlds" landscape, featuring a level upper plateau and a slope leading down to a generous, flat lower landing area. The elevated 1-bedroom, 1-bathroom guest house provides an intimate 500 SF of living space designed to maximize its natural surroundings. A newly installed septic system is in place. Whether you are looking to expand the existing footprint, utilize the flat lower landing for a secondary build site, or create a tiered tropical orchard, this lot provides the canvas for your vision. Don't miss this rare chance to own a piece of Kauai with significant land area and views that capture the true essence of the Garden Isle.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

3/10
Kapaa Elementary SchoolGrades PK-51.0 mi
2/10
Kapaa Middle SchoolGrades 6-81.3 mi
6/10
Kapaa High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1999

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Ceramic Tile,Vinyl

Interior Area

  • Total structure area: 500
  • Total interior livable area: 500 sqft

Property

Details

  • Parcel number: 4460240340000
  • Zoning: R-6
  • Special condition: Fee Simple,Standard

Features

  • Has view: Yes
  • View description: Forest,Mountain(s)
  • Topography of land: Other (remarks)

Lot

  • Lot size: 0.68 Acres
  • Features: See Remarks

Parking

  • Parking features: Other

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
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire

FEMA Declared Disasters Across Hawaii Counties

Flood
Mud Landslide
Severe Storm

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 $4,545$54,540
Home Insurance *$201$2,412
Property Taxes $105$1,260
Electricity $374$4,497
Total$5,225$62,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,142/yr
40% on housing$156,750/yr
45% on housing$139,333/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,798This listing

vs Other Active Listings

Avg $/sqft

ZIP 96746$878
Kauai County$1,392

vs Homes Sold Last Month

Median $/sqft

ZIP 96746$604
Kauai County$725

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
2026-05-22Listed for sale$899,000
2026-04-07Contingent$899,000
2026-04-03Listed for sale$899,000
1997-02-26Sold$45,000

For Sale by Agent

AgentLauren E. Yama
BrokerageKauai Realty, Inc.

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