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$499,000
Villages at Kapolei building guide
KAPOLEI · Kapolei · 96707 · MLS 202619590
Open House on SUNDAY, October 25, from 2-5pm. VA ASSUMABLE LOAN AVAILABLE AT A 3.35% INTEREST RATE FOR QUALIFIED BUYERS—save hundreds on your monthly mortgage! Welcome to Pae Ko Gardens in the heart of Kapolei, Oahu's thriving Second City! This charming ground-floor, single-level 2-bedroom, 1-bathroom home delivers 701 sq ft of light-filled living space styled with easy-care ceramic tile and luxury vinyl flooring. Step out onto your expansive 245 sq ft covered lanai and private fully fenced patio—a rare outdoor sanctuary ideal for weekend BBQs, relaxing in the breeze, or entertaining guests. Enjoy everyday comfort with a full kitchen, ceiling fans, window A/C, in-unit washer/dryer, plus 2 assigned open parking stalls (#177, #338). As part of the Villages at Kapolei, residents enjoy access to fantastic community rec centers, pool options, and parks. Unbeatable location directly across from Kapolei Community Park and just minutes from Ka Makana Ali?i shopping, movie theaters, local dining, golf courses, and fast H-1 freeway access. Accepts Cash, Conventional, and VA terms. Don't miss this rare low-rate 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.
Assumes the same fixed rate and extra payment every month from the first payment. Taxes, insurance and fees are separate.
Closing costs and prepaids start at 0 and must be entered for a fuller cash estimate. Subtotal is before earnest-money deposits and approved credits.
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.
Placyn Homes and Placyn Homes 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 Team Lally
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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Google Maps shows the route and estimated travel time. Check it at the time you expect to travel.
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Similar home type and price in Kapolei.
Get to know the area
Compare Kapolei homes for sale, neighborhood choices, association costs and the trip to Honolulu.
Read the guide →Know the property
The history, public records, and mapped conditions behind this home.
Honolulu MLS · Reported tax & assessment values
Assessed value is for tax purposes and may differ from market value. Exemptions and prior taxes may not reflect your future tax bill. Verify current figures with Honolulu RPAD.
Land use
A-1
A-1 Low-density Apartment District
Honolulu HOLIS · Checked Oct 23, 2026
Matched at the MLS map point. Map boundaries are approximate; confirm allowed uses, overlays, and restrictions with DPP.
Mapped conditions
Zone X
Mapped outside a special flood hazard area
AREA OF MINIMAL FLOOD HAZARD
FEMA · National Flood Hazard Layer · Checked Oct 23, 2026
Matched at the MLS map point, not the entire parcel. Flooding can occur in any zone. This map is not an insurance quote or a complete risk assessment.
HiCentral MLS via Repliers · Checked Oct 23, 2026
MLS history may be incomplete and is different from recorded deeds or transfers. Asking prices are not sale prices. Sold records appear only where MLS display rules permit.
Honolulu HOLIS · Hawaiʻi Statewide GIS · Checked Oct 18, 2026
Parcel snapshot: April 23, 2026. The master parcel may include multiple units. Its area is not this home’s interior or exclusive land area. Boundaries are not a survey.
Honolulu’s published archive covers January 2005–June 30, 2025. These are master-parcel records and may concern another unit; they do not verify this home’s permitted condition.
City & County of Honolulu · Permit archive · Checked Oct 18, 2026
Verify current permits with Honolulu DPPThe county-record link retains the property’s full CPR identifier.
See the local picture
KAPOLEI · Condos & townhomes · Fee simple · As of Oct 23, 2026
Neighborhood insights
Kapolei is an MLS neighborhood in Kapolei, grouped with Kapolei on Oʻahu. Search and the map use this neighborhood name for listings filed there.
HiCentral MLS via Repliers · Publicly displayable listings only · Checked Oct 23, 2026
MLS neighborhood boundaries differ from Census tracts. Market figures compare the same property class and land tenure, cover eligible MLS listings only, and are not an appraisal or an official HBR market report.
A closer look
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Preliminary estimate, not an appraisal. Market accuracy has not yet been independently validated.
Source: Repliers / LiveBy. Ratings use a 1–5 scale. Mapped attendance boundaries do not guarantee enrollment; confirm with the school. Unrated schools have no assumed score.
Google Maps opens with this home, your destination and travel mode. Check traffic and schedules at your intended travel time.
FEMA flood-zone information appears in Property Insights. The sea level rise check below uses a separate state map. Neither is a numerical climate-risk score.
Explore climate information on First Street ↗A map-pin check does not determine whether the full parcel is within the exposure area or complete a seller disclosure. Review the official map and disclosure with your agent.
