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$1,069,000$1,162,000 price reduced
KOA RIDGE · Waipahu · 96797 · MLS 202610914
SELLER will credit $10K, if offer is accepted by 10/30 Enjoy easy living in desirable Waioha II at Koa Ridge. SINGLE-LEVEL DETACHED home offering the comfort and independence of single-family living. Built in 2024, this move-in-ready 3-bedroom, 2-bath residence features no interior stairs or shared walls, 9-foot ceilings and a bright, open-concept layout filled with natural light. The modern kitchen features stainless-steel appliances, solid-surface countertops & sleek cabinetry. Beautiful warm wood-tone luxury vinyl plank flooring brings natural warmth and a fresh, contemporary look to the main living areas, with plush carpet in the bedrooms. Split A/C in every room, solar hot water & installed window coverings provide year-round comfort and efficiency. A private gated outdoor space, 2-car garage & low monthly maintenance and association fees totaling $212 add convenience & value. Ideally located near shopping, dining, parks, freeway access and major military installations. Easy to maintain, easy to enjoy & ready for you now. Perfect for those seeking a newer home with less upkeep, single-level convenience & freedom of a lock-and-go lifestyle! Open House, SATURDAY, 10/10 1-4PM
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Mortgage News Daily ↗ · Sep 4, 2026 · checking for updates
National index, adjusted for points; not an APR, zero-point quote, or Hawaiʻi lender offer.
Low-down-payment programs have eligibility requirements. High-balance and jumbo pricing may differ from the national conforming benchmark.
Use two quotes from the same lender: without points and with points. Points do not buy a fixed rate reduction. This models a permanent buydown, not a temporary 2-1 subsidy.
$0 estimated interest saved · 0 months sooner
Payoff in 30 years, 0 months.
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Estimated monthly payment · year one
Conventional · 30 years · 6.89% interest
Includes down payment, cash-paid upfront fees, points and entered closing costs/prepaids. Before deposits and credits; not final cash to close.
Oʻahu Home Search and The Ulu Team do not provide a Loan Estimate, rate lock, credit decision, or guarantee of payment through this tool. Rates are national benchmarks or your inputs, not APRs or personalized quotes. Actual rates, points, loan limits, fees and eligibility depend on your lender, credit, income, occupancy, entitlement, property and appraisal.
Models fixed-rate purchase financing for a one-unit home. FHA rules shown are standard forward-loan rules, not Hawaiian Home Lands or other special programs. VA/FHA selection does not establish eligibility. Taxes, insurance, HOA fees, ground rent and assessments may change; omitted or zero costs are excluded. FHA MIP is a year-one estimate and can change; conventional PMI cancellation is subject to lender and servicing rules. Upfront cash is a subtotal, not a closing disclosure. Verify all terms, costs, coverage and credits with a licensed lender, insurer and escrow professional before making a financial decision.
Loan rules: VA · HUD / FHA · CFPB points guide
Listed by Coldwell Banker Realty
Information is from the Honolulu MLS and sources deemed reliable but is not guaranteed. Square footage, lot size, taxes, permits, and land tenure should be independently verified. Not a solicitation of property already listed.
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