What would you do with a $10,000 closing credit? Well this, home is move-in ready and recently upgraded. With a seller offering such a generous credit to the buyer at closing, you could make this charming cottage-style home at 18-1382 Nichols Road yours. It's an excellent option for buyers searching for affordable homes under $400,000 near Hilo. Priced at $365,000, this property offers a great combination of value, convenience, and comfort in lava zone 3 with county water, just about 15 minutes from Hilo. Inside, you'll appreciate the fresh, updated feel with new flooring, a new kitchen, updated bathroom, modern fixtures, and new appliances. The cottage layout has 2 bedrooms one bath on top and an larger recreation room with a bathroom down stairs, maximizing the space and creates a cozy atmosphere, making it ideal for first-time homebuyers, downsizers, or anyone looking for a low maintenance Big Island home at an attractive price point. The upgrades are already done, so you can move right in without the stress of a renovation. Situated on a smaller lot designed for easy yard maintenance, this property is perfect for buyers who want more time to enjoy island life and less time spent on landscaping. Being in lava zone 3 with county water adds to long-term peace of mind and lending appeal, while the short drive to Hilo means quick access to shopping, schools, medical services, and dining. If you're searching MLS or online for Hilo homes under $400K, Big Island affordable homes, or HPP/Puna properties in lava zone 3 with county water, this upgraded cottage should be on your must-see list.