Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
4632 Coleman BlvdTC: 51PL: 31
Isle of Palms · charleston · 29489
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$8,748
per yr · 2026
Year 10
$17,034
per yr · 2036
10-yr cumulative
$137,146
all-in carrying cost
True-Cost composite · 51/100
top driver: Flood-zone exposure · 10-yr cost lift +95%
Flood
85
Insurance
0
Tax growth
42
Reassess
89
Utility
65
Foundation
65
HOA
25
Pre-Listing composite · 31/100predicted 180-365d
hazard ratio 1.63× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
34
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 | $6,811 | $88 | $1,850 | $8,748 | $3,812 |
| +1yr | $7,321 | $91 | $1,933 | $9,345 | $4,040 |
| +2yr | $7,870 | $94 | $2,020 | $9,985 | $4,282 |
| +3yr | $8,461 | $97 | $2,111 | $10,669 | $4,539 |
| +4yr | $9,095 | $101 | $2,206 | $11,402 | $4,813 |
| +5yr | $9,777 | $104 | $2,305 | $12,187 | $5,104 |
| +6yr | $10,511 | $108 | $2,409 | $13,028 | $5,415 |
| +7yr | $11,299 | $112 | $2,518 | $13,928 | $5,745 |
| +8yr | $12,146 | $116 | $2,631 | $14,893 | $6,096 |
| +9yr | $13,057 | $120 | $2,749 | $15,926 | $6,471 |
| +10yr | $14,037 | $124 | $2,873 | $17,034 | $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.