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$2,495,000
BEACHSIDE · Kailua · 96734 · MLS 202618299
Unbeatable value for a beachside estate inside Hale Kai Surf & Racquet Club, a private 14-home community in Kailua. A private access lane leads straight to the sand at Kailua Beach. This spacious home features nearly 4,000 sq. ft. of interior space, with 5 bedrooms and 4.5 baths. Soaring ceilings, with many living areas. A brand new split AC system was installed throughout. Four bedrooms are on the main level with the primary suite on the entire upper floor, with two closets, a sunroom. Enjoy Tennis, pickleball, basketball, a sparkling pool, and a clubhouse right across from the home and included in this community. Kailua town's coffee shops and restaurants are an easy bike ride away. Bring your own ideas and make it yours. Opportunities at this price and this close to Kailua Beach don't come up often, do not miss this opportunity!
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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 Koi 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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