Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
2532 Tidewater DrTC: 39PL: 32
Sullivan's Island · charleston · 29459
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Year-10 annual cost
vs Tri-County typical
Today
$15,219
per yr · 2026
Year 10
$30,316
per yr · 2036
10-yr cumulative
$241,768
all-in carrying cost
True-Cost composite · 39/100
top driver: Flood-zone exposure · 10-yr cost lift +99%
Flood
45
Insurance
0
Tax growth
60
Reassess
0
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 32/100predicted 180-365d
hazard ratio 1.67× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
42
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
15
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 | $13,199 | $170 | $1,850 | $15,219 | $3,812 |
| +1yr | $14,189 | $176 | $1,933 | $16,298 | $4,040 |
| +2yr | $15,253 | $182 | $2,020 | $17,455 | $4,282 |
| +3yr | $16,397 | $189 | $2,111 | $18,696 | $4,539 |
| +4yr | $17,626 | $195 | $2,206 | $20,028 | $4,813 |
| +5yr | $18,948 | $202 | $2,305 | $21,456 | $5,104 |
| +6yr | $20,370 | $209 | $2,409 | $22,988 | $5,415 |
| +7yr | $21,897 | $216 | $2,518 | $24,631 | $5,745 |
| +8yr | $23,540 | $224 | $2,631 | $26,395 | $6,096 |
| +9yr | $25,305 | $232 | $2,749 | $28,286 | $6,471 |
| +10yr | $27,203 | $240 | $2,873 | $30,316 | $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.