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A SUPPLEMENT OF THE MAUI NEWS | FRIDAY, NOVEMBER 8, 2013


Average fixed mortgage rate rises STILL, U.S.RATES REMAIN AT HISTORICALLY LOW LEVELS WASHINGTON (AP) — Average U.S. rates on fixed mortgages rose slightly last week but remained near historically low levels. Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan increased to 4.16 percent from 4.10 percent last week, which was the lowest level in four months. The average on the 15-year fixed mortgage rose to 3.27 percent from 3.20 percent. Rates have been falling since September when the Federal Reserve surprised investors by continuing to

buy $85 billion a month in bonds. The purchases are intended to keep long-term interest rates low. Slower hiring in recent months has many analysts predicting that the Fed will maintain the current pace of the bond purchases into early next year, which should keep mortgage rates low for the time being. The recent drop in mortgage rates could help boost home sales, which slowed in September after rates reached their highest averages in two years. The decline in sales has also affected price gains. Real estate data provider

U.S. AVERAGE RATE ON 30-YEAR LOANS NOV. 7

OCT. 31

52-WEEK HIGH 52-WEEK LOW

30-YEAR FIXED

4.16

4.10

4.58

3.31

15-YEAR FIXED

3.27

3.20

3.60

2.61

15-YEAR ADJUSTABLE 2.96

2.96

3.28

2.56

1-YEAR ADJUSTABLE

2.64

2.71

2.52

2.61

All values in percentage points Source: Freddie Mac Primary Mortgage Market Survey

CoreLogic said Tuesday that a measure of U.S. home prices rose only slightly in September from August, a sign that prices

are leveling off after big gains earlier this year. To calculate average mortgage rates, Freddie Mac surveys lenders across

the country on Monday through Wednesday each week. The average doesn’t include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount. The average fee for a 30-year mortgage rose to 0.8 point from 0.7 point. The fee for a 15-year loan was unchanged at 0.7 point. The average rate on a one-year adjustable-rate mortgage fell to 2.61 percent from 2.64 percent. The fee remained at 0.5 point. The average rate on a five-year adjustable mortgage was steady at 2.96 percent. The fee edged up to 0.5 point from 0.4 point.

NOVEMBER 2013 REAL ESTATE GUIDE

TABLE OF CONTENTS Kapalaea Consultants has the answers . . . 3 Isle real estate insight from an expert . . . . . 4 RAM names its new president . . . . . . . . 5 Tips to speed up the sale of a home . . . . 5 Raise your home to lower risk of damage during floods . . . . . 8 Learn from others’ mistakes when buying a home . . . . . . . . 10

331 Ho‘okahi St., Suite 202 Wailuku, HI 96793

808.244.7142 Property Management Services • Real Estate Sales

ON THE COVER Photo of Anders Lyons, Kapalaea Consultants Principal, by Kehaulani Cerizo, Special Sections Editor.

shoretoshorerealty.net Wailea Point Realty, Inc. ´/LYH XQOLNH \RX·YH HYHU OLYHG EHIRUHµ

Brooke Kaneshiro Peters Home Loans Manager NMLS ID: 776657 808-875-5000 Office brooke.peters@bankofamerica.com 215 Piikea Ave, Kihei HI

Wailea Point - Hawaii's Finest Condominium Dave Wagner - Principal Broker

Judy Gray - Broker in Charge

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. l Equal Housing Lender. ©2009 Bank of America Corporation. 00-62-0114D HL-109-AD 07-2013 AR9E65C6

Direct: 808-283-8660 Direct: 808-283-2666 www.WaileaPoint.com Office: 808-879-7233 A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T2


We at

Pali Kai Inc., Realtors would like to congratulate

Michael (Mike) Trotto who was honored September 13 as

2013 Realtor® (Salesperson) of the Year by the Realtors Association of Maui. This is a very special award. Maui has over 778 Realtor® (Salespersons) eligible and Mike was the one who received this year’s award. Only one is awarded each year.

Congratulations Mike...we are all proud of you! Pali Kai is fortunate to have you on our team. You deserved this honor! Pali Kai Inc., Realtors 1993 S. Kihei Rd., Ste. 10, Kihei, HI 96753 • (808) 879-4416 The Maui News / KEHAULANI CERIZO photo

Private consultant Anders Lyons of Makawao has decades of negotiating experience

Answers Abound FOR QUESTIONS CLOSETO HOME,ASK MAUI-BASED KAPALAEA CONSULTANTS By KEHAULANI CERIZO Special Sections Editor

MAKAWAO — Looking to purchase land in Hawaii but don’t understand what you’re able to do with it? Maybe you’re a current landowner who needs help with estate planning. Or what if you’re mulling the option to sell, but you want to upgrade infrastructure first, which requires a special-use permit? Land-related questions are vast for owners across Hawaii, especially in a state that treasures its rich resources, culture and history. Thankfully, the answer to these queries, and others, can be found in private consultant Anders Lyons of Makawao. Lyons, Kapalaea Consultants LLC principal, has a strong track record of government interfacing, ne-

gotiating and planning. It helps, of course, that he’s worked for decades with land-related agencies and he maintains a strong network among Hawaii professionals. “I think he has the long-term vision to see what needs to be done in any particular situation,” said Randy Kennedy, a Department of Land and Natural Resources official who’s worked with Lyons on various projects spanning nearly 20 years. “He has been around Maui long enough to know how and who will get things done from the various sectors.” Lyons recently launched Kapalaea Consultants, a statewide consultation company based on Maui that offers guidance in business, nonprofit, government and environmental arenas. He offers direction in state and county permitting (draft-

“I think (Anders) has the long-term vision to see what needs to be done in any particular situation. He has been around Maui long enough to know how and who will get things done from the various sectors.” — RANDY KENNEDY Department of Land and Natural Resources official

ing, submitting, tracking); procuring and managing government funding from federal, state and county agencies; navigating business and government in Hawaii; renewable energy permits; environmental assessments; and interfacing with DLNR and U.S. Fish and Wildlife Services, among other services. See CONSULTANT on Page 11

This house on your lot in 90 days!

SATURDAY 7/17/1

We are still building homes with shipping, assembly, foundation and appliances included. Schedule your site visit today! 808-244-0888

 

Floor plans and Videos @ www.FabmacHomes.com New 2014 model coming soon!

A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T3


THE STATE OF REAL ESTATE ON MAUI

Q+A

Do you know someone who wants to own a home but think they can’t? Please call us @ 276-7330. We can help!!! Experienced Family Realtors

Manny Bumanglag, R(S) Mila M. Bumanglag, R(B) (808) 276-7330 or (808) 276-4179 (direct)

ERA PACIFIC PROPERTIES

A division of SRH Inc. Each office independently owned and operated.

MAHALO

Bob Lightborn highlights important issues that homebuyers and sellers should know

to the Real Estate community for making home ownership a reality for our families.

hen it comes to learning about Maui’s real estate market, it helps to have someone light the way. Bob Lightborn of Makawao has illuminated Valley Isle homebuyers and sellers for nearly three decades. The Realtor and broker, who was named 2012 Realtor of the Year by the Realtors Association of Maui, serves as general manager for Coldwell Banker Island Properties, the largest real estate company in the county. Lightborn recently guided his daughter, an Arizona resident, through her first home purchase. And he’s here to help our readers with insight for buyers, sellers and others in this Maui real estate market Q&A. Reach Bob Lightborn directly at bob@maui.net; his Coldwell office is at 35 Baldwin Ave., Paia.

W

Councilmember Mike Victorino Paid for by the Friends of Michael P. Victorino P.O. Box 3085, Wailuku, HI 96793

242-6006 www.mikevictorino.com

C

ongratulations to Alan Craig for 25 years as a Realtor with the same company Coldwell Banker (17 years on Maui). It’s good to see some loyalty in the Real Estate Business in today’s world! IINTERNATIONAL NTERNATIONAL R RECOGNIZED ECOGNIZED M MULTI ULTI A AWARD WARD W INNER WINNER

Alan Alan J. J. Craig Craig R REALTOR EALTOR (S) (S) He does the Talk, now let’s do the walk together... Alan is a man of action with spirit of adventure. He likes to make things happen for his friends, family, clients and neighbors. Contact Alan for an unforgettable real estate experience 808.283.9709 Direct Alan@AlanJCraig.com • www.AlanJCraig.com 34 Wailea Gateway Pl., Suite A-207, Wailea, HI 96753

Q: WHAT’S YOUR OPINION ON CURRENT MARKET CONDITIONS? A: Overall, it’s a pretty good real estate market. Short-sale and foreclosure properties that were holding prices down on Maui have, for the most part, been sold. While these properties are still part of the market, they are having less of an impact on the whole. At the moment, the biggest drawback is a shortage of inventory, and while the lack of inventory generally hasn’t caused prices to increase, it inevitably will. In some marketplaces, this has already begun to happen. For instance, the condo market is seeing a rise in prices due to lack of inventory. Properties that are priced well,

and in good condition, are selling fairly quickly and often drawing multiple offers. Interest rates are still low but are beginning to inch upward, and there is some indication they will continue to climb through next year. Qualifying for a loan is still challenging, although lenders’ guidelines have relaxed somewhat over the last six to eight months. Confidence in the market has returned, and many properties are being picked up by investors who paid cash. Q: WHAT ARE THE IMPACTS OF THE RECENT GOVERNMENT SHUTDOWN / DEBT LIMIT FIGHT AT A LOCAL LEVEL? A: For Maui, the impact of the government shutdown was mostly

Follow me daily on facebook for updates in your area. “Kihei Condo King”

A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T4

inconvenience. There were some escrows that fell apart during this period because of the indefinite nature of when they would be able to fund, but mostly things just got delayed. Q: IS IT A GOOD TIME TO BUY OR TO SELL? A: It’s a good time for both actually. It’s good for buyers because prices are still fairly low, and interest rates are also very low when you look at the long term. When I got into real estate, interest rates were at 18 percent. While lending guidelines are still pretty tight, they have loosened a bit. Last year, it

See LIGHTBORN on Page 10


Realtors Association of Maui President Riette G. Jenkins takes a moment amid her busy schedule to discuss her new leadership role and how she balances work and home life. The Maui News KEHAULANI CERIZO photo

RAM NAMES NEW PRESIDENT It’s a wonder, then, that the wife and Award-winning Realtor Riette mother of three boys accomplishes it all. G. Jenkins finds time to balance In addition to family and full-time selling volunteer position, raise sons duties, the multiple-award winning RealKAHULUI — In today’s busy world, women rarely serve solely as housewives. Mothers, spouses, business leaders, employees, volunteers — the laundry list is long for modern-day females. Riette G. Jenkins, Realtor and broker, said women “really have a lot of work, more so now than ever before.”

Check Out Our New Arrivals Artwork, Lamps, Sleepers, Pillows, Accessories & more

Locally, we are exiting the buyers market and will be heading into the sellers market. Also, Maui inventory is low, meaning that if you take the right steps, your house has a good chance to sell.Here are a few hints to help. 1. Price the house right, meaning at the lower end of the range of its realistic value. Buyers may bid your price up, but if you want it to move fast a decently low price is a good starting point. 2. Have your house market-ready—repairs done, looking good, trash off the property—for at least two weeks before you begin showing it. This will give you a deadline to get things done. It will also give you a chance to become comfortable with whatever changes

you need to make. 3. Be as flexible as you possibly can with showings. Yes, it can be uncomfortable to have spur-of-themoment showings. On the other hand, a potential buyer who just can’t wait to see your house may be very motivated to make an offer and a purchase. 4. Be ready for offers. You’ve decided to sell, but think things through before they become pressing questions. What price would you actually accept? What conditions can you not accept?

www.MindsEyeInterior.com • Lahaina 667-7748

By KEHAULANI CERIZO Special Sections Editor

tor recently accepted the chief leadership role with Realtors Association of Maui (RAM). On Sept. 13, Jenkins was named RAM president, a volunteer position, for the 2013-14 term. RAM comprises more than 13,000 National Association of Realtors members; the organization serves as a source of education and See PRESIDENT on Page 12

Five ways to speed up the sale of your house

A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T5

5. Don’t refuse to drop your price. In a market as active as Maui’s, if your real estate professional can’t bring you an offer in a month, the answer may be a lower price. If you’re not in a hurry, you may want to moderate some of these suggestions, but even for the most Mauitime sale schedule, the first four of these five tips are still useful. — Courtesy of the Realtors Association of Maui


1

2

3

4

5

6

A

2013

Kapalua 30

B ALAELOA B2

C k ali P nap Kaa

wy.

Kaanapali

D

30

Front St.

Condominium & Resort Directory

West Maui HOYOCHI NIKKO C2

LEINANI APARTMENTS C2

NOHONANI C2

20 Alaeloa #8

3901 L. Honoapiilani Rd.

3750 L. Honoapiilani Rd.

3723 L. Honoapiilani Rd.

ASTON KAANAPALI SHORES C2

HYATT REGENCY MAUI D2

LOKELANI C2

OPUKEA D2

3445 L. Honoapiilani Hwy.

Nohea Kai Drive at Kaanapali

3833 L. Honoapiilani Rd.

1001 Keawe St.

ASTON MAUI ISLANDER E2

INTERNATIONAL COLONY CLUB C2

MAHANA C2

PAKI MAUI C2

660 Wainee Street

2750 Kalapu Drive

110 Kaanapali Shores Pl.

3615 L. Honoapiilani Rd.

ASTON SANDS OF KAHANA C2

KAANAPALI ALII D1

MAHINA SURF C2

PAPAKEA BEACH RESORT C2

4299 L. Honoapiilani Hwy.

50 Nohea Kai Dr. at Kaanapali

4057 L. Honoapiilani Rd.

3543 L. Honoapiilani Rd.

CHANNEL HOUSE E2

KAANAPALI BEACH HOTEL D1

MAHINAHINA BEACH C2

PIKAKE C2

1010 Front Street

2525 Kaanapali Parkway

4007 L. Honoapiilani Rd.

3701 L. Honoapiilani Rd.

COCONUT INN B3

KAANAPALI PLANTATION C2

MAKANI SANDS C2

PIONEER INN HOTEL E2

181 Hui Road F

150 Puukolii Road

3765 L. Honoapiilani Rd.

EMBASSY VACATION RESORTS C2

KAANAPALI ROYALE D2

THE MAUIAN B2

658 Wharf St., at Lahaina Harbor

104 Kaanapali Shores Pl.

2560 Kekaa Drive

5441 L. Honoapiilani Rd.

PLANTATION INN E2

THE GARDENS AT WEST MAUI B3

KAHANA BEACH RESORT C2

MAUI BREAKERS C2

174 Lahainaluna Road

369 L. Honoapiilani Hwy.

4221 L. Honoapiilani Rd.

3702 L. Honoapiilani Rd.

POHAILANI MAUI C2

HALE MAHINA C2

KAHANA FALLS B2

4435 L. Honoapiilani Rd.

3875 L. Honoapiilani Hwy.

4260 L. Honoapiilani Rd.

HALE MAUI HOTEL C2

KAHANA GATEWAY APTS B2

MAUI ELDORADO D2 2661 Kekaa Dr. at Kaanapali MAUI ISLANDER E2

3711 L. Honoapiilani Hwy.

4465 Honoapiilani Hwy.

660 Wainee Street

PUAMANA E2

HALE NAPILI B2

KAHANA MANOR B2

MAUI KAANAPALI VILLAS C2

34 Puailima Place

65 Hui Drive

4310 L. Honoapiilani Rd.

2805 Honoapiilani Hwy.

PUNA POINT B2

HALE ONO LOA C2

KAHANA OUTRIGGER B2

MAUI KAI C2

5900 L. Honoapiilani Rd.

3823 L. Honoapiilani Rd.

4521 L. Honoapiilani Rd.

106 Kaanapali Shores Place

PUUNOA BEACH ESTATES D2

HALE ROYALE C2

KAHANA REEF B2

MAUI MARRIOTT HOTEL D2

45 Kai Pali Place

3788 L. Honoapiilani Rd.

4471 L. Honoapiilani Rd.

Nohea Kai Drive at Kaanapali

RITZ CARLTON KAPALUA A3

HOLOLANI C2

KAHANA SUNSET B2

SUNSET TERRACE C2

One Ritz Carlton Drive

4401 L. Honoapiilani Rd.

4909 L. Honoapiilani Rd.

3626 L. Honoapiilani Rd.

ROYAL HALE C2

HONO KOA C2

KAHANA VILLAS B2

MAUI SANDS C2

2780 Kekaa Drive at Kaanapali

3801 L. Honoapiilani Rd.

4242 L. Honoapiilani Rd.

3559 L. Honoapiilani Rd.

ROYAL KAHANA C2

HONOKEANA COVE B2

KALEIALOHA C2

NAPILI BAY HOTEL B2

4365 L. Honoapiilani Rd.

5255 L. Honoapiilani Rd.

3785 L. Honoapiilani Rd.

33 Hui Road

ROYAL LAHAINA RESORT C2

HONOKOWAI EAST C2

KAPALUA BAY VILLAS A3

NAPILI GARDENS B2

2780 Kekaa Drive at Kaanapali

3660 L. Honoapiilani Rd.

500 Bay Drive, Kapalua

5432 L. Honoapiilani Rd.

SHERATON MAUI C2

POLYNESIAN SHORES C2

KAPALUA GOLF VILLAS B3

NAPILI KAI BEACH RESORT B2

3666 L. Honoapiilani Rd.

100 Kapalua Drive

5900 L. Honoapiilani Rd.

THE COCONUT GROVE A3

HONOKOWAI SUNRISE C2

KAPALUA RIDGE VILLAS B3

NAPILI LANI B2

On Kapalua Drive

3676 L. Honoapiilani Rd.

100 Ridge Drive

5900 L. Honoapiilani Rd.

THE RITZ-CARLTON RESIDENCES A3

HONUA KAI RESORT & SPA C2

KULAKANE C2

NAPILI PUAMALA B2

1234 Kapalua Bay Drive

130 Kai Malina Parkway

3741 L. Honoapiilani Rd.

50 Napili Place

THE SPINNAKER E2

KULEANA I & II C2

NAPILI POINT B2

760 Wainee Street

3959 L. Honoapiilani Rd.

5295 L. Honoapiilani Rd.

LAHAINA INN E2

NAPILI RIDGE B3

THE WESTIN KAANAPALI OCEAN RESORT VILLAS C2

127 Lahainaluna Road

120 Hui Road F

6 Kai Ala Drive

LAHAINA RESIDENTIAL E2

NAPILI SHORES B2

VALLEY ISLE RESORT C2

1034 Front Street

5315 L. Honoapiilani Rd.

4327 L. Honoapiilani Rd.

LAHAINA ROADS E2

NAPILI SURF B2

WESTIN MAUI D2

1403 Front Street

50 Napili Place

2365 Kaanapali Parkway

NAPILI SUNSET B2

THE WHALER D1

E

HONOKOWAI PALMS C2

30

46 Hui Road

Wailuku

3975 L. Honoapiilani Rd.

2605 Kaanapali Parkway

Lahaina

7

Kahului 36 37 37

380

2481 Kaanapali Parkway

NAPILI VILLAGE HOTEL B2 48 Hui Road F

F

LAHAINA SHORES E2 475 Front Street

350 31

NOELANI C2 4095 L. Honoapiilani Rd.

Maalaea

Kihei G 31

MAUI H

Map Detail A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T6


F

LAHAINA SHORES E2 475 Front Street

31

NOELANI C2 4095 L. Honoapiilani Rd.

Maalaea

Kihei G 31

MAUI H

Map Detail

I

South Maui

J K L

ALOHA PUALANI G6

KAMAOLE BEACH CLUB H7

KIHEI KAI RESORT F6

MAKANI A KAI G5

NANI KAI HALE F6

15 Wailana Place, Kihei

2381 S. Kihei Road, Kihei

61 N. Kihei Road, Kihei

300 Haouli St., Maalaea Village

73 N. Kihei Road, Kihei

AUHANA HALE H7

KAMAOLE BEACH ROYALE H7

KIHEI KAI NANI I7

MAKENA BEACH & GOLF RESORT J6 NONA LANI COTTAGES G6

90 Auhana Road, Kihei

2385 S. Kihei Road, Kihei

2495 S. Kihei Road, Kihei

5400 Makena Alanui, Kihei

455 S. Kihei Road, Kihei

AWIHI TOWNHOUSE H6

KAMAOLE NALU I7

KIHEI MANOR H7

MAKENA SURF J6

ONE KOUNOU PLACE H7

2141 Awihi Place, Kihei

2450 S. Kihei Road., Kihei

2136 Konou Place, Kihei

96 Makena Rd., Kihei

2152 Kounou Place, Kihei

BAY VISTA APARTMENTS H7

KAMAOLE ONE H7

KIHEI PARKSHORES H6

MALUHIA AT WAILEA I7

OUTRIGGER MARRIOTT I7

2140 Awihi Place, Kihei

2230 S. Kihei Road, Kihei

2037 S. Kihei Road, Kihei

3400 Wailea Alanui, Kihei

3700 Wailea Alanui Drive, Kihei

HOTEL WAILEA I7

KAMAOLE PARK H7

KIHEI REGENCY H7

MANA KAI MAUI I7

PACIFIC SHORES APARTMENTS H7

555 Kaukahi, Kihei

Keonekai Street, Kihei

2441 S. Kihei Road, Kihei

2960 S. Kihei Road, Kihei

2219 S. Kihei Road, Kihei

FOUR SEASONS WAILEA J7

KAMAOLE SANDS I7

KIHEI RESORT H7

MAUI BANYANS I7

THE PALMS AT WAILEA I7

3900 Wailea Alanui Dr., Kihei

2695 S. Kihei Road., Kihei

777 S. Kihei Roads, Kihei

2575 S. Kihei Road, Kihei

3150 Wailea Alanui, Wailea

GRAND CHAMPION GOLF & TENNIS VILLAS I7

KAMOA VIEWS H7

KIHEI SANDS F6

MAUI BEACHFRONT RESORT H6

POLO BEACH CLUB J6

2124 Awihi Place, Kihei

115 N. Kihei Road, Kihei

1312 Uluniu Road, Kihei

20 Makena Road, Kihei

Above Wailea Alanui Dr., Wailea

KANA'I A NALU G5

KIHEI SHORES I6

MAUI COAST HOTEL H7

PUNAHOA BEACH I7

GRAND WAILEA RESORT J7

250 Hauoli St./Maalaea Village

2747 S. Kihei Road, Kihei

2259 S. Kihei Road, Kihei

2142 Iliili Road, Kihei

3850 Wailea Alanui Dr., Wailea

KANOE RESORT H7

KIHEI SURFSIDE I7

MAUI COURT I7

ANDAZ MAUI AT WAILEA I7

HALE HUI KAI I7

2050 Kanoe Street, Kihei

2936 S. Kihei Road, Kihei

2747 S. Kihei Road, Kihei

3550 Wailea Alanui Drive, Kihei

2994 S. Kihei Road, Kihei

KANOELANI APARTMENTS H7

KIHEI VIEW H7

MAUI GARDENS H6

ROYAL MAUIAN I7

HALE ILI ILI J7

2065 Kanoe Street, Kihei

Keonekai Street, Kihei

1450 S. Kihei Road, Kihei

2430 S. Kihei Road, Kihei

2172 Iliili Road, Kihei

KAPULANI KAI H6

KIHEI VILLA H7

MAUI HILL I7

ROYAL MENEHUNE H6

HALE KAI O'KIHEI H6

73 Kapu Place, Kihei

2135 S. Kihei Road, Kihei

2881 S. Kihei Road, Kihei

2061 S. Kihei Road, Kihei

1310 Uluniu Road, Kihei

KAU HALE MAKAI H6

KIHEI VILLAGES F7

MAUI ISANA RESORT G6

SLEEPY HOLLOW H6

HALE KAMAOLE I7

930-938 S. Kihei Road, Kihei

140 Uwapo Road, Kihei

515 S. Kihei Road, Kihei

1667 S. Kihei Road, Kihei

2737 S. Kihei Road, Kihei

KE ALII OCEAN VILLAS H7

KIMO KE APARTMENTS I7

MAUI KAMAOLE I7

SHORES OF MAUI H6

HALE MAHIALANI H7

28 Hauwahine Lane, Kihei

10 Walaka Street, Kihei

2777 S. Kihei Road, Kihei

2075 S. Kihei Road, Kihei

21 Kaiau Place, Kihei

FAIRMONT KEALANI J6

KOA KAI APARTMENTS H7

MAUI LU RESORT G6

SUGAR BEACH RESORT F6

HALE PAU HANA I7

4100 Wailea Alanui Drive, Kihei

99 Walaka Street, Kihei

575 S. Kihei Road, Kihei

145 N. Kihei Road, Kihei

2480 S. Kihei Road, Kihei

KEALIA F6

KOA LAGOON G6

MAUI OCEANFRONT HOTEL I7

VILLAGE BY THE SEA G6

HALEAKALA GARDENS H7

191 N. Kihei Road, Kihei

800 S. Kihei Road, Kihei

2980 S. Kihei Road, Kihei

4327 S. Kihei Road., Kihei

15 Kulanihakoi, Kihei

KEAWEKAPU I7

KOA RESORT H7

MAUI PALISADES H7

WAILANA SANDS G6

HALEAKALA SHORES I7

2895 S. Kihei Road, Kihei

811 S. Kihei Road, Kihei

Kilohana Street, Kihei

25 Wailana Place, Kihei

2619 S. Kihei Road, Kihei

KEONEKAI VILLAGES H7

LAULOA G5

MAUI PARKSHORE I7

WAILEA EKAHI I7

HO‘OLEI AT GRAND WAILEA J7

160 Keonekai Road, Kihei

100 Hauoli St./Maalaea Village

2653 S. Kihei Road, Kihei

3300 Alanui Drive, Kihei

146 Ho‘olei Circle, Wailea

KIAWE TERRACE G6

LEILANI KAI H6

MAUI SCHOONER RESORT H6

WAILEA EKOLU VILLAGE J7

HONO KAI G5

851 S. Kihei Road, Kihei

1226 Uluniu, Kihei

980 S. Kihei Road, Kihei

10 Wailea Ekolu Place, Kihei

280 Hauoli St./Maalaea Village

KIHEI AKAHI I7

LEINAALA H6

MAUI SUNSET H6

WAILEA ELUA VILLAGE I7

ISLAND SANDS G5

2531 S. Kihei Road, Kihei

998 S. Kihei Road, Kihei

1032 S. Kihei Road, Kihei

600 Alanui Drive, Kihei

150 Hauoli St./Maalaea Village

KIHEI ALII KAI I7

LIHI KAI COTTAGES I7

MAUI VIEW APARTMENTS H7

WAILEA GOLF VISTAS I7

ISLAND SURF H6

2387 S. Kihei Road, Kihei

2121 Iliili Street, Kihei

76 Walaka, Kihei

Above the Blue Course, Wailea

1993 S. Kihei Road, Kihei

KIHEI BAY SURF G7

LUANA KAI H6

MAUI VISTA H7

WAILEA POINT J7

KAI MAKANI BEACH VILLAS F7

715 S. Kihei Road, Kihei

940 S. Kihei Road, Kihei

2191 S. Kihei Road, Kihei

4000 Wailea Alanui, Kihei

Kai Makani Loop, Kihei

KIHEI BAY VILLAS G7

MAALAEA BANYANS G5

MENEHUNE SHORES G6

WAIOHULI BEACH HALE H6

KAI MALU AT WAILEA J6

775 S. Kihei Road, Kihei

190 Hauoli St./Maalaea Village

760 S. Kihei Road, Kihei

49 Lipoa Street, Kihei

3550 Wailea Alanui Drive, Kihei

KIHEI BEACH RESORT G6

MAALAEA KAI G5

MILOWAI G5

WAIPUILAN H6

KALAMA GARDENS H7

36 S. Kihei Road, Kihei

70 Hauoli St./Maalaea Village

50 Hauoli St./Maalaea Village

1002 S. Kihei Road, Kihei

36 Walaka Street, Kihei

KIHEI COVE I7

MAALAEA MERMAID G5

NA HALE KAI G6

KAIAMA TERRACE H7

2181 Iliili Road, Kihei

20 Hauoli St./Maalaea Village

34 Wailana Place, Kihei

35 Walaka Street, Kihei

KIHEI GARDEN ESTATES H6

MAALAEA SURF RESORT F6

NA HALE O MAKENA J6

KALAMA TOWNHOUSE H7

1299 Uluniu Road, Kihei

12 S. Kihei Road, Kihei

4955 Makena Road, Kihei

46 Walaka Street, Kihei

KIHEI HOLIDAY G6

MAALAEA YACHT MARINA G5

NA HOLOKA I G6

KALAMA VILLA H7

483 S. Kihei Road, Kihei

30 Haouli St., Maalaea Village

34 Wailana Place, Kihei

Wailea

Makena

How To Use This Map The condominiums & hotels in West Maui and South Maui are listed here in alphabetical order according to region. A grid letter and number coordinate is listed with each property for map location. Be advised that street addresses are not necessarily the correct mailing address. (Example: Addresses in the Maalaea area are served by Rural Route Delivery from the Wailuku Post Office.)

2144 Konou Place, Kihei

1

2

3

4

5

6

7

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1279 S. Kihei Rd., #119, Azeka Mauka, Kihei, HI 96753 A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T7


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When heavy winter rains hit Maui in late 2010 and early 2011, homeowners around the island weren’t prepared. Reports swept in of flood-damaged properties in Kihei, Paia, Maalaea and even Haiku and Ulupalakua. Especially hard hit were low-lying coastal areas in North Kihei. South Maui images showed lawns under water, vehicles partially submerged and even a paddleboarder making her way down South Kihei Road, which had turned into a river. Some homeowners in other parts of the country are taking action to avoid damage during floods. Eileen Benner says elevating her home in Atlantic City, N.J., was a “no-brainer” after it suffered exten-

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sive flood damage during Superstorm Sandy. “I would tell anybody who has the money available to go ahead and do it,” she says. John Paynter’s Long Beach Island, N.J., vacation home now stands 13 feet higher than it did before the storm a year ago. He, too, says he’s glad he did it, though the process itself was nerve-wracking: “You heard a lot of cracks and creaks.” Nationwide, insurance claims for flooding damage totaled on average more than $3 billion annually from 2003 to 2012, according to the National Flood Insurance Program

(NFIP). And rising sea levels and more severe storms mean that in some areas, more homeowners are finding themselves in flood zones for the first time or in higher-risk ones. The most common way to reduce the risk: elevating the home, the NFIP says. The process can cost a lot — more than $100,000 in many cases, depending on the home’s size, location and foundation. But homeowners may be eligible to get some help from flood insurance policies and grants. Flood elevation maps determine whether a property

needs to be raised and by how much. Homeowners in high-risk zones who choose not to raise their homes could see their flood insurance premiums skyrocket. Roderick Scott of L&R Resources, a Mandeville, La., company that does home elevations, recommends lifting a house 1 or 2 feet above the minimum needed to get a flood elevation certificate. “You don’t want to elevate structures more than once in their lifetime,” he says. Homes with an open foundation — with a basement or crawl space — are the easiest and least expensive to raise. “It’s easy to get underneath and get the structure of the house from underneath and lift it up,” he says.

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A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T8


Flooding Continued from Page 8

Raising those built on a slab foundation takes more time and money. “You have to open up walls and remove lower cabinets,” Scott says. Any air-conditioning and heating systems in the basement must be relocated, as well as power and other utilities. “They have to go on or above the main level of the structure so they won’t be damaged,” Scott says. And then there’s the question of how you’ll get up to the higher house. Where will you put the stairs, for example? “A lot of seniors live at the beach. They may need to integrate a lift,” says Scott. He uses a hydraulic machine to jack up a house, and says the process is so smooth that he once put a glass of red wine on a tabletop. “Not a drop was spilled,” he says. Still, he advises people to take pictures off the walls and pack up any valuable crystal. A house may be set down on pilings or cinderblocks, depending on the height. It’s likely that millions of

homes will have to be raised based on redrawn flood maps nationwide, Scott says. However, Dan Watson, a spokesman for the Federal Emergency Management Agency, says it’s difficult to say how many and where: “In some cases the risk has gone down, and in some cases it has gone up.” In 2012, Louisiana had the most flood damage claims, followed by New Jersey and New York. In Brick Township, N.J., Mayor Stephen C. Acropolis says about 8,500 homes suffered water damage during Sandy, and that more than half of those will have to be raised because of redrawn maps. He says many people got temporary certificates of occupancy that give them four years to elevate. His own home, he says, is “a 51 percenter — that means your house was damaged to more than 50 percent of the value of your home. And so is my son’s and a lot of people in my neighborhood.” He’s not rushing into elevating his home, though. “We’re going to get prices,

we’re going to deal with engineers,” he says. “I don’t see a ton of people elevating their homes right away unless they had the money.” Benner felt she didn’t have a choice. The water in her duplex after Sandy was a foot deep. It cost $21,000 to lift the house, she says, and she expects the total bill to be $130,000 to $140,000. Part of that was offset by a clause in her flood insurance policy that gave her $30,000 to meet the new height requirements. “By the time I’m done, my base floor is going to be about 12 feet” higher than it used to be, she says. “I feel comfortable.” After Paynter’s house was lifted, “I had to build stairs. I had to build a front porch. I had to reattach the utilities,” he says. He also built a new chimney and redid the house’s flood-damaged interior. Total cost? He estimates $140,000. He moved back in in August. “I’m very happy,” he says. ■ The Maui News contributed to this story.

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A house in Toms River, N.J., is in the process of being elevated to comply with new federal flood insurance regulations. The new rules are leaving some area homeowners torn between the cost of raising their homes, which can run from $30,000 to more than $100,000, or simply rebuilding on the ground and hoping the next storm won’t be as damaging as was Superstorm Sandy nearly a year ago. Those in high-risk flood zones who don’t raise their homes will see their insurance costs skyrocket.

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When buying a home, learn from the mistakes of others Even when a house-buying experience is successful, and the buyer loves the home, there are often regrets. People say, “If I’d known then what I know now.� If you’re thinking of buying a piece of paradise for yourself, learn from other people’s mistakes. Here are five common shortcomings that—forewarned—

you can avoid. Often, buyers don’t ask enough questions of their lenders. By failing to ask questions, even when dealing with a completely reputable lender who is eager to serve you well, you may miss out on the best deal. Sometimes, home buyers don’t act quickly enough to make a decision, and some-

one else buys the house. In a fast-moving market like ours here on Maui, this is a common mistake and it is one that cannot be reversed. Sold is sold.

People might also fail to find the right real estate professional who is willing to See MISTAKES on Page 12

Lightborn Continued from Page 4 was challenging for anyone to get a loan, no matter how well-qualified. Now if you’re willing to jump through the hoops, you can get a loan. It’s good for sellers for some of the same reasons. The fact that interest rates are still low creates interest in buyers. The lack of inventory means that your house will stay on the market for a shorter period of time if it’s priced right. Pricing and condition are key factors. We are expecting an appreciation of about 4 percent across the board in the next year, but overpricing your home is still not a good idea. It will just sit on the market and help sell other properties. Q: WHAT OPPORTUNITIES ARE AVAILABLE TO LOCAL BUYERS (LAND TRUSTS, ENTRY-LEVEL HOUSING, ETC.)? A: Entry-level housing is always the first market niche to disappear on Maui. There are still some affordably priced properties coming on the market in the central marketplace (Kahului and Wailuku), and also in Kihei and Makawao. When you’re seriously looking, check with your Realtor about state first-time buyer assistance programs, such as Hula Mae. Q: WHAT PARTS OF MAUI ARE ACTIVE AMONG BUYERS AND SELLERS? A: The Kahului/Wailuku market, often overlooked in commentary like this, is always one of the busiest markets on the island. There is a wide selection of homes in a variety of price ranges close to work, shopping, schools.

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Q: WHERE IS THE MARKET HEADED IN THE NEXT TWO TO FIVE YEARS? A: The real estate market is cyclical: It runs in peaks and valleys. Another way to look at it is that it changes from a buyers market to a sellers market. We recently exited the buyers market and will be moving toward the next sellers market. I expect prices to continue to appreciate over the next two to five years, barring some cataclysmic event. There’s not a lot of new construction going on at the moment, so that could help create more of a demand for existing houses, which will most likely affect prices. I also expect interest rates to climb a bit over the next few years, but I think they’ll stay at a reasonable level.

Helping You Find the Right Financing

Q: IS THERE ANYTHING ELSE TO ADD THAT MAY BENEFIT POTENTIAL BUYERS / SELLERS? A: The best advice I could give buyers or sellers is to seek out a good Realtor — someone who is knowledgeable about the whole process. Get references. You’re facing a big transaction, and just like plumbers, and any industry, there are good and not so good ones. Know that even simple deals are complicated, and there are lots of rumors and misconceptions about what’s really happening in the marketplace or what you can or cannot do. Find a Realtor who’s done his or her homework. Also, recognize that the toughest part about buying a home right now is the loan process. If you’re thinking about buying a house, clean up your credit score, don’t run up your credit cards, don’t buy a new car, don’t make any other large purchases. Lenders are going to ask a lot of questions, and you have to come up with trying information. My daughter was asked why she moved $1,000 from a checking account into a savings account; things like that. Get prequalified so you know what you can afford. Also, if you’re looking to buy for the first time, attend a homebuyer seminar. If you’re a seller, again, learn what’s really happening in the marketplace and prepare your home to sell. If you’re going to sell your car, you wash it, clean it and make it look nice. You should be willing to do the same thing with your house. Properties that show well sell fairly quickly for a higher price.

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â– Q&A by Special Sections Editor Kehaulani Cerizo. She can be reached at kcerizo@mauinews.com.

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Consultant Continued from Page 3 Lyons speaks their language, and yours; he strives to be a “peacemaker” in what can sometimes be a stressful situation. “Often landowners will go into (the permitting process) thinking it’s not going to be that big of deal,” Lyons said. “Then they miss something or don’t understand the parameters that their application is being judged on, so they get frustrated because they haven’t met the needs of the organization that is doing the evaluation. . . . If you come at it and understand that civil service people need this, this and this, and you can provide this this and this, then you start moving.” That’s the kind of expertise Lyons provides. He can make a phone call, meet people and derive a process to move forward. “As a manager of state private landowner assistant programs, it is good to know there are entities like Anders’ company to help out private landowners who want to malama their properties but need a bit of expertise,” said Kennedy, DLNR Native Ecosystem Section manager. Others, whether stable local businesses or businesses hoping to become established in Hawaii, don’t even know that certain options exist. “I think there’s a real need for his experience and knowledge,” said Gary

“Often landowners will go into (the permitting process) thinking it’s not going to be that big of deal. Then they miss something or don’t understand the parameters that their application is being judged on, so they get frustrated because they haven’t met the needs of the organization that is doing the evaluation. . . . If you come at it and understand that civil service people need this, this and this, and you can provide this this and this, then you start moving.” — ANDERS LYONS, Kapalaea Consultants principal Passon, vice chairman of Habitat for Humanity’s Maui affiliate and chairman of Habitat’s statewide board. Passon said Lyons gave him “great information” a few months ago on a land management project, which led to advice on how to get low-cost lands for Habitat. Lyons’ consultation was key in securing a land grant — an approach Passon hadn’t considered — for the organization, Passon said. Lyons’ range of experience is nothing short of impressive. From his humble beginnings as a 15year-old stock boy at Woolworth’s, Lyons went on to receive his bachelor’s degree in sociology from University of Puget Sound. After school, he jumped right into careeroriented work. His resume lists service with the Research Corporation of the University of Hawaii, along with leadership roles at The Nature Conservancy, Maui Nui Botanical Gardens and Hawaiian Islands Land Trust. “After raising millions of dollars from private and government sources, successfully supervising a wide range of projects

over the years, and managing budgets both big and small, I have developed a skill set that can be widely applicable,” Lyons said. The Maui native is the oldest son of the late Michael H. Lyons II, Bank of Hawaii’s renowned senior vice president, Maui district manager and community service leader, in honor of whom an annual BOH award is given to local nonprofits. The elder Lyons served on the boards of numerous community groups and was instrumental in founding several nonprofit organizations on Maui, including Maui Economic Development Board; governor of District 500 (Hawaii) Rotary International; president of the Maui Chamber of Commerce, Kahului Rotary Club, and the J. Walter Cameron Center; chairman of Maui United Way; and treasurer and board member of the Maui Arts & Cultural Center. It’s the same spirit of service that calls Anders to consulting work, which he sees as a way to provide ground assistance to people in the community. “That’s the background I was raised with — that

we all need to rely on each other and make a positive impact not just in our personal lives but in the broader community,” Anders said. His wife, Kiera, said Anders’ family background, along with his knack for cultivating professional and personal relationships among other innate skills, make him a great consultant. “I can’t go into the grocery store with him without running into three people he knows,” she said. “I used to make him sit in the car because I needed to get shopping done quickly. He’s good with people; he knows the structures that The Maui News / KEHAULANI CERIZO photo are here and how to deal with them. And he does it Anders Lyons and wife Kiera are seen at their Makaby being kind to the people wao home. Lyons said his father, Michael H. Lyons II, who are involved with it modeled the importance of community service. all. And I think that’s an effective way to deal with life in general.” Anders and Kiera live in Makawao with their young daughters, Alyxia Kalehuamakanoe and Kaililani Eleanore Tilia. • Kapalaea Consultants www.kapalaeaconsultants.com

■ Reach Kehaulani Cerizo at kcerizo@mauinews.com.

A Supplement of THE MAUI NEWS – Friday, November 8, 2013 – Page T11


President

“The reason I considered taking this position is that I’ve had great mentors in my career. I’m appreciative that people took the time to teach me. It’s important to give back.”

Continued from Page 5

works to promote the “right to own, transfer and use real property” within local, state and national levels. As president, Jenkins collaborates with the association board, affiliates and others to achieve goals set through the year. RAM’s president is tasked with attending National Association of Realtors Conventions, Realtors mid-year legislative meetings in Washington, D.C., working on behalf of consumers and meeting with State U.S. senators, aides and representatives. Also, the official must attend the leadership summit for the National Association of Realtors and participate in the Hawaii Association of Realtors board meetings. “Riette is bright and tenacious about completing things properly and will be a great leader,” said P. Denise La Costa, outgoing president of RAM. Jenkins said one of RAM’s top missions is to protect the consumers. She discussed the association’s

— RIETTE G. JENKINS, RAM president

government affairs committee and its director, Dave DeLeon, who solely acts on behalf of the association to come up with consumer protection issues that need to be addressed. Also, staying current, in a fast-paced technological environment, is important for Realtors to build and maintain professionalism. “We know real estate the best,” Jenkins said. “These websites like Realtor.com and Zillow, all these other companies that have taken over, if you will . . . they get information from us. The reality is that we give them IDX (real estate data) feeds. The most accurate information is first-hand.” When it comes down to it, though, real estate — at its core — is still about relationships, Jenkins said. “No matter how many tools we have, you still

ROBERT R. MYERS

R(S)

have to have relationships for it to survive.” The Realtor was named one of the Top 20 Realtors by Hawaii Business Magazine in 2012 and was named one of the Top 100 Realtors in the State in 2010 and 2011, among other recognitions. She credits her successful real estate career, which spans more than two decades on Maui, to the help of her mentors. “The reason I considered taking this position is that I’ve had great mentors in my career,” Jenkins said I’m appreciative that people took the time to teach me. It’s important to give back.” Jenkins grew up in Southern California, focusing her youth on competitive softball and volleyball. At 23, she moved to Maui and worked in the tourism industry. Soon, she took an in-

terest in real estate and pursued training, eventually obtaining her broker’s license, among other certificates. There was nothing “magical” about her transition into the industry, Jenkins said. However, the relationships she cultivated along the way were some of her greatest rewards, she added. “I think it’s neat that not only do you help someone buy their dream home, but you also have a friendship that’s everlasting. You get all these friends . . . who become part of your extended ohana.” Flash-forward 25 years from Jenkins’s start in real estate, and the busy businesswoman and mom is balancing more roles than she did in the past. By 7:30 a.m., her sons are fed breakfast and off to school at Seabury Hall; and she’s

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getting ready to work a full day; then spend time with family. On a recent week, she was flying to Oahu for multiple appointments and seminars, then back to Maui for more meetings. How does she do it all? “My husband is my teammate,” said Jenkins, who’s been married for 15 years. “If I didn’t have him, I wouldn’t be able to do what I do.” The RAM president said she’s not the only one who juggles a lot. There are many Maui Realtors who care about the community and serve in volunteer roles with schools, the food bank, senior centers, art organizations, rotary clubs and more. “(RAM) isn’t just about realty; there are so many layers to it,” she said. “We are not just Realtors. We care about our community and we want to give back.” Jenkins lives in Pukalani with husband Bill and sons Christian, 14, and Conner, 12; her oldest son, Ryan, 21, is away at college. To find out more information about RAM, visit www.rammaui.com.

Mistakes Continued from Page 10

help them through the home-buying process. Your relationship with the professional you choose is important. Give it the attention it deserves. Buyers occasionally think their offer just has to be high enough to get the attention of the seller. Another buyer may make the same offer. Sometimes there are other things besides the purchase price that may influence a seller’s acceptance of an offer. Ask your real estate professional what you might do to make your offer look good to a seller. You might not think about resale before you buy. Remember that the average first-time buyer only stays in a home for four years. What’s perfect today, one day may be too valuable, too large or too small for our family. Consider resale value from the first viewing. — Courtesy of the Realtors Association of Maui

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