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44-365 Nilu St #108, Kaneohe, HI, 96744

3beds
2baths
1,489sqft
$749,000
$503price/sqft
$4,609/moest. monthly cost
$184,360/yrincome needed

About This Home

Opportunity is knocking in Yacht Club Knolls, and yes, it probably needs a toolbox. This unit is ready for someone with vision, creativity, and a little DIY spirit to bring it back to life. Here’s your chance to get into one of Kaneohe’s most desirable townhome communities at a value that’s getting harder to find. With spacious living areas, a flexible layout, and the potential to truly make it your own, the upside here is real. Enjoy the perks of Yacht Club Knolls living like a pool, recreation areas, lush surroundings, and a location just minutes to Kailua, Kaneohe Bay, MCBH, beaches, and freeway access. Bring your contractor, ideas, and imagination.

Getting Around

11
WalkingCar-Dependent
29
TransitSome Transit
11
BikeSomewhat Bikeable

Schools

7/10
Aikahi Elementary SchoolGrades PK-60.8 mi
7/10
10/10
Kalaheo High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Average Condition
  • Year built: 1973

Materials

  • Construction materials: Masonry,Concrete,Stucco

Type & Style

  • Home type: Townhouse
  • Architectural style: Multi-Level
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Ceramic Tile,Hardwood

Interior Area

  • Total structure area: 1,681
  • Total interior livable area: 1,489 sqft

Property

Details

  • Parcel number: 1440120040068
  • Zoning description: 03 - R10 - Residential District
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Fenced,Wall
  • Has view: Yes
  • View description: None

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Earthquake
Landslide
Tsunami
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 $3,787$45,444
Home Insurance *$122$1,464
Property Taxes $221$2,652
Electricity $479$5,753
Total$4,609$55,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,022/yr
40% on housing$138,270/yr
45% on housing$122,906/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

$503This listing

vs Other Active Listings

Avg $/sqft

ZIP 96744$780
Honolulu County$747

vs Homes Sold Last Month

Median $/sqft

ZIP 96744$766
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
2026-06-14Listed for sale$749,000
2019-10-09Sold$685,000
2019-07-02Price change$699,000
2019-06-27Price change$709,000
2019-06-15Price change$715,000
2019-05-15Listed for sale$720,000
2006-08-31Sold$580,000
1999-02-09Sold$196,000

For Sale by Agent

AgentCaron A Ling
BrokerageeXp Realty

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