Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1431 Live Oak LnTC: 27PL: 34
Downtown Charleston · charleston · 29458
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Year-10 annual cost
vs Tri-County typical
Today
$6,988
per yr · 2026
Year 10
$13,421
per yr · 2036
10-yr cumulative
$108,687
all-in carrying cost
True-Cost composite · 27/100
top driver: Tax-step trajectory · 10-yr cost lift +92%
Flood
15
Insurance
3
Tax growth
60
Reassess
50
Utility
65
Foundation
10
HOA
45
Pre-Listing composite · 34/100predicted 180-365d
hazard ratio 1.74× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
59
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
16
10-year cost trajectory
insurance · property tax · cooling — annual, projected
Year-by-year breakdown
all values in 2026 dollars · projected at SC DOI / NOAA trends
| Year | Insurance | Property tax | Cooling | Annual total | vs Tri-County |
|---|---|---|---|---|---|
| Today | $5,073 | $65 | $1,850 | $6,988 | $3,812 |
| +1yr | $5,453 | $68 | $1,933 | $7,454 | $4,040 |
| +2yr | $5,862 | $70 | $2,020 | $7,953 | $4,282 |
| +3yr | $6,302 | $72 | $2,111 | $8,486 | $4,539 |
| +4yr | $6,775 | $75 | $2,206 | $9,056 | $4,813 |
| +5yr | $7,283 | $78 | $2,305 | $9,666 | $5,104 |
| +6yr | $7,829 | $80 | $2,409 | $10,319 | $5,415 |
| +7yr | $8,416 | $83 | $2,518 | $11,017 | $5,745 |
| +8yr | $9,047 | $86 | $2,631 | $11,764 | $6,096 |
| +9yr | $9,726 | $89 | $2,749 | $12,564 | $6,471 |
| +10yr | $10,455 | $92 | $2,873 | $13,421 | $6,870 |
Methodology. Insurance: SC DOI rate-filing baseline (~0.45% of property value), uplifted by per-ZIP NFIP claim density, growing 7.5% / yr. Property tax: assessor millage on assessed value, growing 3.5% / yr. Cooling: Charleston-area household baseline, growing 4.5% / yr at NOAA's SC cooling-degree-day trend. Estimates only — actual costs vary with carrier choice, mortgage escrow practices, and weather. Recomputed nightly. Data sources: FEMA OpenFEMA · SC Department of Insurance · NOAA Climate.gov · Tri-County assessors.