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$998,000
KAAAWA · Kaaawa · 96730 · MLS 202618629
*Assumable 2.25% VA loan—plus, ask about financing options for the gap!* Discover a hidden island retreat at Makaua Shores, an intimate enclave of just eight homes along Oahu’s scenic windward coast. Turnkey and beautifully appointed, this 2-bedroom, 1.5-bath beach cottage with a spacious loft offers an effortless blend of privacy, comfort, and island style—ideal as a full-time residence, second home, or lock-and-leave getaway. Thoughtfully designed interiors feature custom countertops, hand-selected tile, and curated finishes throughout. Wake to ocean views from the primary bedroom, enjoy waterfall views from the kitchen, and take in dramatic mountain scenery from the generous front lanai. An enclosed back lanai adds valuable flexible space for an office, studio, fitness area, or quiet retreat. Outside, tropical landscaping with banana, coconut, papaya, and other fruit trees creates a lush private setting, bordered by a tranquil dry stream. Makaua Shores residents also enjoy a private pool and pickleball court. Rarely available and truly move-in ready, this special property captures the relaxed beauty of Windward Oahu living—with an exceptional 2.25% assumable VA loan 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 List Sotheby's Int'l 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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