Financing Basics For Maui Real Estate
There are numerous financing options for homebuyers which at times can seem overwhelming. Take your time, and research the basics of financing property on Maui and you can save you a significant amount of time and money. Knowing the Maui Market, the area the property is located, and whether it offers incentives to lenders will mean added financial perks for you. Know your finances to ensure you are getting the mortgage that best suits your needs and budget.
Key Points
Obtaining a mortgage is a crucial step in purchasing your Maui home, whether it's a beachfront Maui condo or single-family home in a popular Maui neighborhood, there are many factors for choosing the mortgage that suits you best.
Lenders will evaluate your credit, income, past tax returns, assets, and ability to borrowed funds.
When choosing a mortgage, you'll have to choose a fixed or floating rate, the term (number of years) to pay off your mortgage, and the amount of your down payment.
Depending on your finances, employment, and other factors, you may be eligible for better terms through an FHA or VA loan processes.
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Types of Loans
Conventional loans are mortgages that are not insured or guaranteed by the federal government. They are typically fixed-rate mortgages. Although their stricter requirements for a bigger down payment, higher credit score, lower-income to debt ratios, and potential to need private mortgage insurance make them the most difficult to qualify for, conventional mortgages are usually less costly than guaranteed mortgages.
Conventional loans are defined as either conforming loans or non-conforming loans. The 2020 loan limit for a conventional mortgage is $726,525 in Hawaii.
A loan made above $726,525 in Hawaii is called a jumbo loan and usually carries a higher interest rate. For non-conforming loans, the lending institution underwriting the loan, usually a portfolio lender, set their own guidelines.
Information provided by Bankrate.com.
FHA Loans
The Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development, provides various mortgage loan programs. An FHA loan has lower down payment requirements and is easier to qualify for than a conventional loan. FHA loans are excellent for first-time homebuyers because, in addition to lower upfront loan costs and less stringent credit requirements, you can make a down payment as low as 3.5%.3 FHA loans cannot exceed the statutory limits described above.
The catch? All FHA borrowers must pay a mortgage insurance premium (MIP), rolled into their mortgage payments (see private mortgage insurance, below).
VA Loans
The U.S. Department of Veterans Affairs (VA) guarantees VA loans.4 The VA does not make loans itself, but guarantees mortgages made by qualified lenders. These guarantees allow veterans and service people to obtain home loans with favorable terms, usually without a down payment. In most cases, VA loans are easier to qualify for than conventional loans. Lenders generally limit the maximum VA loan to conventional mortgage loan limits. Before applying for a loan, request eligibility from the VA. If you are accepted, the VA will issue a certificate of eligibility you can use to apply for a loan.
If you intend to use a VA Loan to purchase a condo on Maui the unit must be approved by the VA. You can view the list of VA approved condos on Maui by clicking here.
In addition to these federal loan types and programs, state and local governments and agencies sponsor assistance programs to increase investment or homeownership in certain areas.
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Equity and Income Requirements
Home mortgage loan pricing is determined by the lender in two ways, both based on the creditworthiness of the borrower. In addition to checking your FICO score from the three major credit bureaus, lenders will calculate the loan-to-value ratio (LTV) and the debt-service coverage ratio (DSCR) to set the amount they'll loan you, and the interest rate.
LTV is the amount of actual or implied equity that is available in the collateral being borrowed against. For home purchases, LTV is determined by dividing the loan amount by the purchase price of the home. Lenders assume that the more money you are putting up (in the form of a down payment), the less likely you are to default on the loan. The higher the LTV, the greater the risk of default, so lenders will charge more.
Private Mortgage Insurance
LTV also determines whether you will be required to purchase private mortgage insurance (PMI). PMI insulates the lender from default by transferring a portion of the loan risk to a mortgage insurer. Most lenders require PMI for any loan with an LTV greater than 80%, meaning any loan where you own less than 20% equity in the home.7 The amount being insured and the mortgage program will determine the cost of mortgage insurance and how it's collected.
Most mortgage insurance premiums are collected monthly along with tax and property insurance escrows. Once LTV is equal to or less than 78%, PMI is supposed to be eliminated automatically. You may be able to cancel PMI once the home has appreciated enough in value to give you 20% equity and a set period has passed, such as two years. Some lenders, such as the FHA, will assess the mortgage insurance as a lump sum and capitalize it into the loan amount. As a rule of thumb, try to avoid private mortgage insurance, because it is a cost that has no benefit to you.
There are ways to avoid paying for PMI. One is not to borrow more than 80% of the property value when purchasing a home; the other is to use home equity financing or a second mortgage to put down more than 20%. The most common program is called an 80-10-10 mortgage.8 The 80 stands for the LTV of the first mortgage, the first 10 stands for the LTV of the second mortgage, and the third 10 represents the equity you have in the home.
Although the rate on the second mortgage will be higher than the rate on the first, on a blended basis, it should not be much higher than the rate of a 90% LTV loan. An 80-10-10 mortgage can be less expensive than paying for PMI and also allows you to accelerate the payment of the second mortgage and eliminate that portion of the debt quickly so you can pay off your home early.
Fixed vs. Floating Rate Mortgages
Another consideration is whether to obtain a fixed-rate or floating-rate (or variable rate) mortgage. In a fixed-rate mortgage, the rate does not change for the entire period of the loan. The obvious benefit of getting a fixed-rate loan is that you know what the monthly loan costs will be for the entire loan period. And, if prevailing interest rates are low, you've locked in a good rate for a substantial time.
A floating-rate mortgage, such as an interest-only mortgage or an adjustable-rate mortgage (ARM), is designed to assist first-time homebuyers or people who expect their incomes to rise substantially over the loan period. Floating-rate loans usually allow you to obtain lower introductory rates during the initial few years of the loan, allowing you to qualify for more money than if you had tried to get a more expensive fixed-rate loan. Of course, this option can be risky if your income does not grow in step with the increase in interest rate. The other downside is that the path of market interest rates is uncertain: If they dramatically rise, your loan's terms will skyrocket with them.
How ARMs Work
The most common types of ARMs are for one, five, or seven-year periods.9 The initial interest rate is normally fixed for a period of time and then resets periodically, often every month. Once an ARM resets, it adjusts to the market rate, usually by adding some predetermined spread (percentage) to the prevailing U.S. Treasury rate. Although the increase is typically capped, an ARM adjustment can be more expensive than the prevailing fixed-rate mortgage loan to compensate the lender for offering a lower rate during the introductory period.
Interest-only loans are a type of ARM in which you only pay mortgage interest and not principal during the introductory period until the loan reverts to a fixed, principal-paying loan. Such loans can be very advantageous for first-time borrowers because only paying interest significantly decreases the monthly cost of borrowing and will allow you to qualify for a much larger loan. However, because you pay no principal during the initial period, the balance due on the loan does not change until you begin to repay the principal.
The Bottom Line
If you're looking for a home mortgage for the first time, you may find it difficult to sort through all the financing options. Take time to decide how much home you can actually afford and then finance accordingly. If you can afford to put a substantial amount down or have enough income to create a low LTV, you will have more negotiating power with lenders and the most financing options. If you push for the largest loan, you may be offered a higher risk-adjusted rate and private mortgage insurance.
Weigh the benefit of obtaining a larger loan with the risk. Interest rates typically float during the interest-only period and will often adjust in reaction to changes in market interest rates. Also, consider the risk that your disposable income won't rise along with the possible increase in borrowing costs.
A good mortgage broker or mortgage banker should be able to help steer you through all the different programs and options, but nothing will serve you better than knowing your priorities for a mortgage loan.
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Listings On Maui
An exceptionally rare opportunity to acquire two side-by-side oceanfront properties that creates a private coastal compound in one of South Maui’s most coveted enclaves. ...
- 8 Beds
- 8 Baths
- 409860 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
MAKENA RANCH -160 ACRES OF OCEANVIEW LEGACY LAND Offered at $37 Million I Fee Simple Makena Ranch encompasses approximately 160 acres across 13 agricultural-zoned parce...
- 408242 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-Ku.
This Maui residence spans 6,517 square feet of refined luxury, featuring five spacious bedrooms and five and a half beautifully appointed bathrooms. Designed with seamles...
- 5 Beds
- 6 Baths
- 410387 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
Hana Ranch is the largest offering on Maui and one of the few remaining private holdings of this size in Hawai‘i. Established as a working cattle ranch in 1944, it remain...
- 2 Beds
- 2 Baths
- 408193 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (PR).
Discover a rare chance to create your legacy in Maluaka Estates, an intimate, private gated enclave of only 13 custom estates in the heart of Makena. Just moments from th...
- 4 Beds
- 6 Baths
- 410368 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
Perched on one of Makena’s most coveted cliffside locations, this contemporary direct-oceanfront estate is perfectly situated along an intimate cove, offering breathtakin...
- 5 Beds
- 6 Baths
- 407766 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
THE ULTIMATE MAUI DREAM . .The most sophisticated are no longer asking where to live . .They are asking, “Where can we breathe?” Welcome to The Makena Generational Oceans...
- 6 Beds
- 6 Baths
- 409734 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
What can money buy that time can't? Six years of thoughtful planning, design, construction, and mature landscaping, ready today. Spanning 4.35 acres across two adjoining ...
- 3 Beds
- 5 Baths
- 410474 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
One-of-a-Kind Keawakapu Beachfront Estate in one of Maui’s most coveted oceanfront settings, offering an extraordinary blend of irreplaceable beach proximity, modern stru...
- 4 Beds
- 6 Baths
- 408751 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
Experience the pinnacle of oceanfront luxury in this stunning, 5 bedroom, 5 bath, plus 2 half bath, 7,244 sq. ft. home estate. This over a half-acre property is located w...
- 5 Beds
- 6 Baths
- 408059 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Nestled along the prestigious Makena coastline, 7595 Makena Road represents the pinnacle of contemporary Hawaiian luxury living. This extraordinary residence stands as a ...
- 4 Beds
- 5 Baths
- 402062 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
Welcome to the quintessential Maui oceanfront estate, ideally situated on Keawakapu Beach—widely regarded as one of Maui’s most beautiful stretches of sand. This timeless...
- 3 Beds
- 4 Baths
- 410482 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Basking in the breathtaking beauty of Maui, perched just 25 feet from the shoreline, 51 Hui Road E is more than an oceanfront estate – it is a living work of art. Built e...
- 4 Beds
- 5 Baths
- 407563 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
This magnificent oceanfront West Maui estate rests on approximately 1/2 acre of prime land in Kahana with over 250 feet of ocean frontage. Perfectly located between Kaana...
- 7 Beds
- 9 Baths
- 406991 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Experience the best of South Maui living in this exclusive Makena Sunset residence, ideally located directly across from Maluaka Beach, Makena, Maui. Enter through a priv...
- 4 Beds
- 5 Baths
- 409020 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
Perched on Maui’s coveted west side, this extraordinary 8-bedroom private estate offers a level of luxury, privacy, and craftsmanship rarely seen in Hawai'i. More than a ...
- 5 Beds
- 6 Baths
- 410130 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Keller Williams Realty Maui-L.
Fee simple vacant land parcel in Maui's newest planned community connecting Kahului and Wailuku. Located at the busy intersection of Kuikahi Drive and Waiale Road and acr...
- 373212 MLS
- Maui Lani Village Center Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Commercial Prop of Maui LLC.
BRAND NEW HOME NEVER OCCUPIED MOVE IN READY. An exceptional residence where uncompromising attention to detail and a harmonious fusion of comfort and nature creates a te...
- 4 Beds
- 5 Baths
- 403334 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(L).
Pristine 370 acres located in Waihe’e Valley on the North Shore of Maui. Plans for preliminary approval of a 24 lot subdivision with expansive ocean and mountain views fr...
- 409624 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-Ku.
Hawaiiana meets contemporary design with this exceptional estate on the pristine shores of Keawakapu Beach. The property has been approved for a renovation expanding the ...
- 3 Beds
- 3 Baths
- 406314 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Experience the relaxed beauty of the Hawaiian lifestyle in this special West Maui oceanfront estate. Set on two acres of lush, naturally landscaped grounds within a small...
- 3 Beds
- 4 Baths
- 410537 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Hana Ranch South Orchard encompasses approximately 540 acres across 11 Tax Map Parcels within the agricultural uplands of Hana, “mauka" of Hamoa. With frontage along Hana...
- 408192 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (PR).
THE BEACHFRONT VILLA - A once in a generation oceanfront sanctuary! The sophisticated remodel completed in January 2025 transformed the B-101 front row Villa into one of ...
- 3 Beds
- 4 Baths
- 407472 MLS
- Wailea Beach Villas Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
Step into a world of refined elegance and beachfront luxury in Maluhia at Wailea—a sanctuary within Wailea’s most exclusive beachfront enclave. Tucked behind the gates of...
- 4 Beds
- 5 Baths
- 405257 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Set on beautifully curated grounds in Spreckelsville on Maui's North Shore, this extraordinary oceanfront estate embodies the timeless character of Old Hawaii, while offe...
- 4 Beds
- 4 Baths
- 410153 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Exceptional 58-acre agricultural estate comprised of eight separate TMKs, featuring a unique combination of high-quality improvements, established income, and long-term f...
- 409243 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Level One oceanfront at Wailea Point — Hawaii's finest residential condominium, nestled between Wailea Beach and Polo Beach on Maui's coveted Gold Coast. 3,820 SF · 4 bed...
- 4 Beds
- 4 Baths
- 410182 MLS
- Wailea Point I Ii Iii Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Engel & Volkers Maui.
FABULOUS world class Wailea Point “double” unit with a MOST DYNAMIC ocean & beach front location. Perhaps the finest condominium residence in Hawaii, no expense was spar...
- 3 Beds
- 3 Baths
- 407829 MLS
- Wailea Point I Ii Iii Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Wailea Point Realty, Inc..
A 'WORK OF ART’. A 'LEGACY PROPERTY'. An ‘Equity Location’. A luxurious marriage of two Wailea Point oceanfront units at Maui's finest Condominium Project! When a lifelon...
- 4 Beds
- 6 Baths
- 407692 MLS
- Wailea Point I Ii Iii Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Maui Real Estate Advisors LLC.
33 Hana Highway | An Iconic Legacy Estate on Maui's North Shore There are properties that come to market, and there are properties that define a coastline. Welcome to 33 ...
- 5 Beds
- 3 Baths
- 410440 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of The Agency Maui.
Nestled withing the prestigious enclave to Kapalua Place, this extraordinary oceanview estate on over 1 landscaped acre offers an unparalleled blend of luxury, privacy, a...
- 5 Beds
- 8 Baths
- 409428 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Keller Williams Realty Maui-L.
Located in gorgeous Napili, Maui, 5385 Lower Honoapi'ilani Road, also known as the Napili Beach House, is a uniquely spacious Maui home boasting stunning views of Napili ...
- 8 Beds
- 13 Baths
- 408480 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
Brand New Luxury Unit - Welcome to your new home, a spacious ground floor, 4-bedroom, 4.5-bathroom unit spanning 3,625 sq ft, nestled within Makena Beach Club and Residen...
- 4 Beds
- 5 Baths
- 407694 MLS
- Makena Beach Club & Residences Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
In 2015, a family from Idaho built this home for one purpose: to bring everyone together on the ocean in Maui. A place where children and grandchildren could land, spread...
- 5 Beds
- 6 Baths
- 409793 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(M).
A rare offering in Kapalua's coveted Honolua Ridge. This private estate commands sweeping ocean vistas with Molokai Island, Honolua Bay, and miles of Pacific blue ocean a...
- 4 Beds
- 5 Baths
- 410057 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Keller Williams Realty Maui-L.
** Sale includes MLS #s 408092, 408093, 408094, 408095, 408096, 408097, 408098, 408099, 408100, 408101, 408143, 408102, 408103, 408104, 408106 & 408107 ** Rare opportuni...
- 408104 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Commercial Prop of Maui LLC.
This contemporary Polynesian-style oceanfront gated estate is architecturally designed to maximize ocean views. 4851 Lower Honoapiilani Road is built with the highest qua...
- 4 Beds
- 4 Baths
- 410353 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
A large Section of Historic former Erehwon Ranch, gently sloped pasture lands between 2125 ft & 2525 ft elevation in central Lower Kula, 0.15 mile below the Kula Post Off...
- 405403 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hugh Starr & Co LLC.
Perched atop the exclusive and private enclave of The Ridge at Wailea, this extraordinary Guy Dreier-designed residence is a rare expression of contemporary architecture ...
- 4 Beds
- 5 Baths
- 406282 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Above a quarter mile of untouched North Shore coastline rises a rare opportunity to own one of Maui’s most extraordinary oceanfront estates. 400 Mehana Road commands swee...
- 3 Beds
- 4 Baths
- 408784 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(W).
Commanding one of the largest and most remarkable panoramic ocean views anywhere in the Hawaiian Islands, the residence at 426 Wailau occupies a truly iconic location in ...
- 5 Beds
- 7 Baths
- 408714 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Andaz Residences Unit 801 (F2) offers a rare opportunity to own one of the coveted private villas at the Andaz Maui Wailea Resort. Ownership combines the privacy of an oc...
- 3 Beds
- 4 Baths
- 409204 MLS
- Andaz Residences Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
Some properties shout; this one whispers. Set discreetly behind gates in one of Spreckelsville’s most coveted locations, this near half-acre sanctuary offers a life of ea...
- 5 Beds
- 5 Baths
- 407684 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of The Maui Real Estate Team Inc.
This stunning brand-new estate is situated on a prime lot within Puunoa Estates. Puunoa is a prestigious gated community located just south of Lahaina Towne comprised of ...
- 5 Beds
- 6 Baths
- 407837 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
** Sale includes MLS #s 408092, 408093, 408094, 408095, 408096, 408097, 408098, 408099, 408100, 408101, 408143, 408102, 408103, 408104, 408106 & 408107 ** Rare opportuni...
- 408099 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Commercial Prop of Maui LLC.
100 Kalelemuku is a newly completed (2025) architectural estate set within Kula I'o, a gated enclave that redefines upcountry luxury. This landmark estate is fully fenced...
- 5 Beds
- 5 Baths
- 406423 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
17 Maluaka within the prestigious, gated Maluaka enclave represents a rare and compelling opportunity to create a legacy estate in one of Makena’s most revered coastal ne...
- 409403 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's Int'l Rlty(W).
Situated on Maui’s Upcountry serene landscape, this Legacy Estate offers stunning panoramic ocean and mountain views across 22.25 acres of pristine pastoral land. The fir...
- 3 Beds
- 3 Baths
- 408390 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(M).
BEING WELL. For those that crave a holistic environment that nourishes the mind, body, and soul, in a tropical, private Hawaiian environment, the estate at 223 Plantatio...
- 3 Beds
- 4 Baths
- 408037 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Welcome to 1949 W Kuiaha Rd: a rare opportunity to acquire a one of a kind, legacy Maui country estate within one of the most beautiful microclimates of all the Hawaiian ...
- 6 Beds
- 6 Baths
- 409677 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (MA).
Set within one of Makena’s most coveted enclaves, this exceptional 3.349-acre homesite captures the essence of refined island living. 4520 Makena Alanui commands sweeping...
- 409319 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's Int'l Rlty(W).
A rare chance to own Makena beachfront property awaits! Nestled along the pristine shores of Po‘olenalena Beach, commonly known as “Chang’s Beach,” this nearly one-acre p...
- 407222 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
NEXT LEVEL LUXURY . . . The Crown Jewel of Wailea Golf Estates II . . . The most exciting new luxury release to hit the market. A brand new single-level oceanview smart h...
- 4 Beds
- 5 Baths
- 408267 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
Discover exceptional beachfront living at 1614 Halama Street. This stunning oceanfront residence offers unobstructed Pacific views, breathtaking sunsets, and direct acces...
- 4 Beds
- 4 Baths
- 410457 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-Ku.
If architecture is a language and the built form its voice, then a great architect is, ultimately, a master storyteller. 29 Kolonahe is evidence of such mastery from arch...
- 3 Beds
- 4 Baths
- 408938 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Located in the Kapalua Resort, Mahana Estates is a gated community sitting between the Ritz Carlton and the world-famous PGA Plantation Golf Course. Set across 1.4 acres...
- 5 Beds
- 6 Baths
- 408183 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
Wailea Point Residence 802 & 804 is an exquisite, rare, double residence featuring 5 bedrooms and 6 full bathrooms. Enjoy unobstructed panoramic ocean and sunset views fr...
- 5 Beds
- 6 Baths
- 409447 MLS
- Wailea Point I Ii Iii Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Wailea Point Realty, Inc..
Welcome to 936 Punakea Loop, a truly one-of-a-kind, custom-designed residence on over 5 private acres. This exceptional modern home seamlessly integrates with its stunnin...
- 4 Beds
- 4 Baths
- 409060 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of REP Maui.
Also listed in Vacant Land Classification MLS #408615. This listing is a Residential CPR. Set across 3.219 acres in a quiet stretch of Makila Ranches, Launiupoko, this es...
- 5 Beds
- 4 Baths
- 408032 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
** Sale includes MLS #s 408092, 408093, 408094, 408095, 408096, 408097, 408098, 408099, 408100, 408101, 408143, 408102, 408103, 408104, 408106 & 408107 ** Rare opportuni...
- 408103 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Commercial Prop of Maui LLC.
MAGICAL MAUI is a single-level Private Olowalu Oceanfront Masterpiece with the ultimate attention to detail. The 4-bedroom suite 4.5-bathroom 5-zone A/C estate is a furn...
- 4 Beds
- 5 Baths
- 410078 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
Wow! The only penthouse at the Ritz Carlton Kapalua is now available! This very unique condominium apartment encompasses the entire oceanside top floor of the north tow...
- 2 Beds
- 3 Baths
- 408511 MLS
- The Ritz Carlton Residences Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Brand New Construction | Luxurious Estate Living at The Ridge, Wailea Welcome to a sprawling, brand-new estate at The Ridge in Wailea, where every detail has been curated...
- 3 Beds
- 4 Baths
- 410468 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Introducing a true masterpiece of modern design and craftsmanship completed in January 2025 - a brand-new, 4-bedroom, 4.5-bathroom home in the prestigious double gated La...
- 4 Beds
- 5 Baths
- 409785 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Seller is now offering FULL ownership in this truly irreplaceable North Shore Maui oasis. Set amid panoramic ocean, coastline, and waterfall views, this sanctuary offers ...
- 3 Beds
- 2 Baths
- 408161 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of eXp Realty.
Embrace this one-of-a-kind Tuscan Villa in Paradise! Perfectly perched on the premium parcel located in Phase 1 of the exclusive gated community known as Lanikeha (withi...
- 3 Beds
- 5 Baths
- 408779 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Nestled on what may be the finest parcel in all of West Maui, this expansive five-acre-plus sanctuary claims the premier position within Puunoa Estates. Thoughtfully desi...
- 4 Beds
- 4 Baths
- 408187 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Welcome to an extraordinary residence nestled within the esteemed gated community of Lanikeha, located in the Kaanapali Golf Estates on the idyllic island of Maui. A trop...
- 5 Beds
- 6 Baths
- 408179 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Moffett Properties LLC.
This exclusive opportunity is uniquely situated on a lot like no other, overlooking the 11th green of the Wailea Blue Course and positioned near the Four Seasons and Hote...
- 4 Beds
- 6 Baths
- 408558 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
4025 Lower Honoapiilani is an exquisite and rare 1-acre oceanfront gated estate, located in one of the world's most desirable locations, between Kaanapali and Kapalua, on...
- 2 Beds
- 1 Baths
- 409482 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
A rare opportunity to own a gated multi-structural coastal estate with beach access just steps away. Set at the end of a quiet cul-de-sac, this versatile property offers...
- 4 Beds
- 3 Baths
- 407207 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(M).
Flexible mixed-use zoning allows for a wide array of uses including light industrial, retail, professional and medical offices, restaurants, recreation centers, financial...
- 398610 MLS
- Maui Lani Village Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Commercial Prop of Maui LLC.
Sunlight and ocean breezes flow through 21 feet of bi-folding floor-to-ceiling glass doors, complemented by soaring 14-foot ceilings that blur the boundaries between home...
- 5 Beds
- 6 Baths
- 409921 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Located near the top of the Kahana Ahupua'a in West Maui, this singular 71 acre agricultural property presents an exceptional opportunity to establish a private ranch in ...
- 409025 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass.
Set in one of Kula’s premier Upcountry locations, this nearly 4,000 sq ft single-level residence showcases modern design, seamless flow, and commanding views of Lanai, Ka...
- 3 Beds
- 3 Baths
- 407426 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Simply bring your toothbrush & embrace the finest in tropical luxury island living in Kapalua, West Maui. Offering two bedrooms, 2 bathrooms, and a flex room/den, this sp...
- 2 Beds
- 3 Baths
- 409875 MLS
- Kapalua Ironwoods Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Where the ocean whispers at your doorstep & refined luxury defines every detail, Wailea Beach Villas K-208 presents a rare chance to own a Premier Beachfront retreat with...
- 3 Beds
- 3 Baths
- 408319 MLS
- Wailea Beach Villas Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Maui Real Estate Advisors LLC.
Set on over 2 acres in Launiupoko, one of West Maui's most prestigious hillside communities, this stunning single-story estate offers 4 bedrooms, 4.5 bathrooms, and 3,675...
- 4 Beds
- 5 Baths
- 409968 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
Exclusive and rarely available beachfront property on Kihei Maui’s south shore. With breathtaking panoramic views from the south shore of Kihei Maui. Gaze out at dramat...
- 3 Beds
- 2 Baths
- 404090 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Five Star Realty Inc..
A rare South Maui estate — 2.118 acres in the exclusive gated community of Kaimanu Estates. This private retreat feels like living in Hana and Old Hawai‘i, surrounded by ...
- 5 Beds
- 4 Baths
- 408014 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
This unique Napili oceanfront residence is nestled on a coastal bluff in the center of the bay. It is protected from the risk of erosion. Views are unobstructed of the Pa...
- 3 Beds
- 3 Baths
- 409059 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Welcome to Wailea Beach Villas Penthouse 209, one of Wailea’s most prestigious Gated, HOTEL ZONED beachfront communities. This spacious 3 Bedroom, 3 Bathroom + DEN (confi...
- 3 Beds
- 3 Baths
- 407859 MLS
- Wailea Beach Villas Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Keller Williams Realty Maui-Ka.
YOUR WAIT IS TRULY OVER! Surrounded by the world’s finest coffee groves, YOU will enjoy stunning breathtaking views of ocean, sunset, Molokai, Lanai’I & Kaanapali resort ...
- 4 Beds
- 4 Baths
- 410774 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
This exquisitely furnished residence offers luxury resort-style living, elevating the experience of coastal elegance to new heights. With direct oceanfront access and a w...
- 3 Beds
- 4 Baths
- 406018 MLS
- The Resort At Kapalua Bay Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
Located within The Resort at Kapalua Bay, Residence 5102 in Building 5 offers an exceptional opportunity to own in one of Maui’s most prestigious beachfront communities. ...
- 3 Beds
- 4 Baths
- 409479 MLS
- The Resort At Kapalua Bay Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Welcome to Maluaka Mauka, an exclusive gated community of just 53 homesites nestled across 28 acres in the heart of Makena. Ideally located just moments from the sandy sh...
- 410497 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Discovery Makena Realty LLC.
SUNSETS WITH ALOHA . . . . Original Owner| First Time Ever on the Market| Never Rented| Immaculate Condition| Fully Furnished| 3 Bedroom Suites| 3 Full Bathrooms. WBV Pen...
- 3 Beds
- 3 Baths
- 408288 MLS
- Wailea Beach Villas Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Compass-W.
Outside the box, Inside the box... the choice is yours. Welcome to the QK Haiku, homegrown Maui modernism at its best. Located oceanfront in a diverse and welcoming north...
- 2 Beds
- 2 Baths
- 407170 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Oceanfront home and cottage in a highly desirable private and quiet Kuau neighborhood on Maui’s renowned North Shore. This unique offering is ideally situated in the perf...
- 4 Beds
- 3 Baths
- 406427 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (W).
Self Sustaining Tropical Estate and Cacao Farm - Potential for Seller Financing - Nestled between two river streams on Maui’s serene east end, this extraordinary 14.9-acr...
- 4 Beds
- 4 Baths
- 406329 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
Luxury Oceanfront Living at Resort at Kapalua Bay – Residence 3503 Poised on the fifth floor of the prestigious Kapalua Bay Resort, Residence 3503 is a rare opportunity t...
- 3 Beds
- 4 Baths
- 405113 MLS
- Montage Residences Kapalua Bay Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Keller Williams Realty Maui-Ki.
Welcome to the gated community of Coconut Grove. The moment you step into the main living area, the crystal-blue waters of Kapalua Bay greet you. True oceanfront luxury a...
- 3 Beds
- 4 Baths
- 410058 MLS
- Coconut Grove Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Maui Real Estate Advisors LLC.
Welcome to this stunning top-floor oceanfront residence in the exclusive Penthouse building at Wailea Beach Villas. This tranquil 2-bedroom, 2-bath villa offers over 2,00...
- 2 Beds
- 2 Baths
- 407499 MLS
- Wailea Beach Villas Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-Ku.
One-of-a-kind and very unique 54-acre parcel in the heart of Wailuku. Stunning bicoastal views with unlimited ranch/farming potential. This jewel cannot be duplicated as...
- 409341 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hale Anuenue Realty LLC.
Poised within a prestigious oceanfront community, but positioned without the front row real estate price premium, 10 Hui Road E is a fully updated, multi-level estate tha...
- 3 Beds
- 4 Baths
- 409685 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop(S).
Nestled on 3.02 acres in the gated Puunoa community, 257 Hokiokio Place overlooks Lahaina from its gently sloping hillside setting, offering sweeping ocean and sunset vie...
- 5 Beds
- 5 Baths
- 407666 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of eXp Realty.
Contemporary aesthetics define this gorgeous new home in Ka'anapali's Lanikeha community. This elegant new 4-bedroom, 5-bathroom home boasts 3,691 sq. ft. of living space...
- 4 Beds
- 5 Baths
- 406460 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Welcome Hawaii Properties.
Set against the dramatic backdrop of the Pacific, 1008 Sunset Place offers a rare opportunity to own a refined island residence in the heart of Kapalua. Perfectly positio...
- 3 Beds
- 4 Baths
- 408268 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Island Sotheby's International Realty(L).
Upon entering this magnificent 3,315 sq. ft. home you will be mesmerized by its spectacular panoramic due west views of the Pacific Ocean between Lana'i and Moloka'i offe...
- 4 Beds
- 4 Baths
- 407481 MLS
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Coldwell Banker Island Prop-KP.
Welcome to Residence D14 at Coconut Grove on Kapalua Bay, a rare offering of unparalleled beachfront luxury in the heart of the world-renowned Kapalua Resort on Maui’s sp...
- 3 Beds
- 4 Baths
- 406667 MLS
- Coconut Grove Bldg.
- ACTIVE Status
- Fee Simple Tenure
Listing courtesy of Hawaii Life (L).