Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1222 Captain DrTC: 32PL: 50
Daniel Island · berkeley · 29468
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Year-10 annual cost
vs Tri-County typical
Today
$5,397
per yr · 2026
Year 10
$10,152
per yr · 2036
10-yr cumulative
$82,944
all-in carrying cost
True-Cost composite · 32/100
top driver: Flood-zone exposure · 10-yr cost lift +88%
Flood
45
Insurance
0
Tax growth
22
Reassess
0
Utility
50
Foundation
70
HOA
65
Pre-Listing composite · 50/100predicted 90-180d
hazard ratio 2.53× · top driver: Active lis pendens
Probate
0
Distress
29
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
41
Tax jump
0
Title events
0
Comp sales
30
Hood velocity
4
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 | $3,499 | $48 | $1,850 | $5,397 | $3,812 |
| +1yr | $3,761 | $50 | $1,933 | $5,744 | $4,040 |
| +2yr | $4,043 | $52 | $2,020 | $6,115 | $4,282 |
| +3yr | $4,346 | $53 | $2,111 | $6,511 | $4,539 |
| +4yr | $4,672 | $55 | $2,206 | $6,934 | $4,813 |
| +5yr | $5,023 | $57 | $2,305 | $7,385 | $5,104 |
| +6yr | $5,399 | $59 | $2,409 | $7,868 | $5,415 |
| +7yr | $5,804 | $61 | $2,518 | $8,383 | $5,745 |
| +8yr | $6,240 | $63 | $2,631 | $8,934 | $6,096 |
| +9yr | $6,707 | $66 | $2,749 | $9,522 | $6,471 |
| +10yr | $7,211 | $68 | $2,873 | $10,152 | $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.