Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
3049 Saltgrass PlTC: 22PL: 36
Sullivan's Island · charleston · 29474
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Year-10 annual cost
vs Tri-County typical
Today
$16,616
per yr · 2026
Year 10
$33,185
per yr · 2036
10-yr cumulative
$264,366
all-in carrying cost
True-Cost composite · 22/100
top driver: Tax-step trajectory · 10-yr cost lift +100%
Flood
15
Insurance
0
Tax growth
60
Reassess
0
Utility
65
Foundation
10
HOA
25
Pre-Listing composite · 36/100predicted 180-365d
hazard ratio 1.82× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
74
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 | $14,579 | $188 | $1,850 | $16,616 | $3,812 |
| +1yr | $15,672 | $194 | $1,933 | $17,800 | $4,040 |
| +2yr | $16,847 | $201 | $2,020 | $19,069 | $4,282 |
| +3yr | $18,111 | $208 | $2,111 | $20,430 | $4,539 |
| +4yr | $19,469 | $216 | $2,206 | $21,891 | $4,813 |
| +5yr | $20,929 | $223 | $2,305 | $23,458 | $5,104 |
| +6yr | $22,499 | $231 | $2,409 | $25,139 | $5,415 |
| +7yr | $24,186 | $239 | $2,518 | $26,943 | $5,745 |
| +8yr | $26,000 | $247 | $2,631 | $28,879 | $6,096 |
| +9yr | $27,951 | $256 | $2,749 | $30,956 | $6,471 |
| +10yr | $30,047 | $265 | $2,873 | $33,185 | $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.