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91-1014 Kai Lea St, Ewa Beach, HI, 96706

4beds
3baths
1,860sqft
$1,099,000
$591price/sqft
$6,657/moest. monthly cost
$266,280/yrincome needed

About This Home

PRICE REDUCED BY $60K! Beautifully maintained and move-in ready home in desirable Ocean Pointe featuring an open-concept layout, spacious living areas, and abundant natural light. This versatile floor plan includes a bedroom and full bath on the first floor plus additional flexible living space upstairs ideal for a home office, study area, or play area. Enjoy owned photovoltaic panels, central AC, and a private enclosed yard perfect for relaxing or entertaining. Conveniently located near parks, shopping, dining, beaches, and gold courses. A wonderful opportunity to enjoy comfortable island living in a sought-after neighborhood. Seller will consider VA Assumption 2.25%

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

5/10
7/10
Ewa Makai Middle SchoolGrades 6-81.0 mi
5/10

Construction

Condition

  • Property condition: Good Condition
  • Year built: 2008

Materials

  • Foundation: Slab
  • Construction materials: Double Wall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Detached
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bedroom on Main Level,Full Bath on Main Level
  • Flooring: Carpet,Laminate,Vinyl

Interior Area

  • Total structure area: 1,980
  • Total interior livable area: 1,860 sqft

Property

Details

  • Parcel number: 1911420900000
  • Zoning description: 11 - A-1 Low Density Apartment
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Landscaping
  • Fencing: Fenced,Wall
  • Has view: Yes
  • View description: Other
  • Frontage type: Other
  • Topography of land: Level

Lot

  • Features: Cleared,Interior Lot,Level

Parking

  • Total spaces: 2
  • Parking features: Garage,Two Car Garage,Two Spaces
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Earthquake

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 $5,557$66,684
Home Insurance *$182$2,184
Property Taxes $320$3,840
Electricity $598$7,187
Total$6,657$79,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$228,240/yr
40% on housing$199,710/yr
45% on housing$177,520/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

$591This listing

vs Other Active Listings

Avg $/sqft

ZIP 96706$604
Honolulu County$747

vs Homes Sold Last Month

Median $/sqft

ZIP 96706$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
2026-07-27Price change$1,099,000
2026-06-29Price change$1,125,000
2026-05-30Listed for sale$1,159,000
2023-10-18Listing removed$1,105,000
2023-08-21Price change$1,105,000
2023-06-10Listed for sale$1,130,000
2021-08-08Listing removed--
2021-08-04Listed for rent$3,800
2018-06-14Sold$770,000
2018-05-04Price change$770,000
2018-04-02Listed for sale$780,000
2015-07-29Sold$715,000
2015-06-26Listed for sale$715,000

For Sale by Agent

AgentLynnette Sophee Maialoha
BrokerageKupa'a Realty Group LLC

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