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45 Stephen Ln APT 813, Lahaina, HI, 96761

2beds
2baths
780sqft
$675,000
$865price/sqft
$4,005/moest. monthly cost
$160,200/yrincome needed

About This Home

Could you use $20,000? Well that's what we're offering as a closing credit! Welcome to Villas at Kahana Ridge #813 — a rare opportunity to own in one of West Maui’s most sought-after residential communities, ideally located between Ka?anapali and Kapalua. This 2-bedroom, 2-bath ground-floor unit offers 780 sq ft of comfortable, single-level living with a layout that feels both functional and inviting. Inside, you’ll find a bright living space, a kitchen with warm wood cabinetry, clean countertops, and bar seating that naturally connects the heart of the home. Both bedrooms are well-sized with natural light, and two full bathrooms provide flexibility for guests, shared living, or a home office setup. What truly sets this property apart is its location — in the heart of a peaceful residential neighborhood while still being just minutes from beaches, dining, and everyday conveniences in Kahana, Napili, and Ka?anapali. Pet-friendly and thoughtfully designed for long-term living, Villas at Kahana Ridge continues to be a strong choice for owner-occupants seeking stability and lifestyle in West Maui. If you’ve been waiting for the right combination of location, livability, and value — this is one worth seeing.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

2/10
2/10
Lahainaluna High SchoolGrades 9-125.9 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Property

Details

  • Parcel number: 2430210820099
  • Attached to another structure: Yes
  • Zoning: A-2
  • Zoning description: Apartment District

Features

  • Has view: Yes
  • View description: Garden
  • Waterfront features: None

Lot

  • Lot size: 5.07 Acres

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Inland Flooding
Lightning
Tsunami

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 $3,413$40,956
Home Insurance *$64$768
Property Taxes $154$1,848
Electricity $374$4,497
Total$4,005$48,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,314/yr
40% on housing$120,150/yr
45% on housing$106,800/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 5.6%
5.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$865This listing

vs Other Active Listings

Avg $/sqft

ZIP 96761$1,105
Maui + Kalawao County$1,276

vs Homes Sold Last Month

Median $/sqft

ZIP 96761$1,316
Maui + Kalawao County$796

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)

No zestimate history available

Price History

DateEventPrice
2026-03-29Listing removed$2,500
2026-03-15Price change$675,000
2026-03-10Price change$350,000
2026-02-03Price change$675,000
2026-01-22Price change$2,500
2026-01-07Listed for rent$2,800
2025-11-12Listed for sale$715,000
2025-04-15Listing removed$3,000
2025-03-05Price change$3,000
2025-02-20Price change$4,500
2025-02-07Listed for rent$3,000
2005-07-14Sold$292,300

For Sale by Agent

AgentChelsea Ann Fernandez RS-82695, eXp Realty
BrokerageeXp Realty

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