Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1553 Spanish Moss AveTC: 67PL: 50
Isle of Palms · charleston · 29471
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Year-10 annual cost
vs Tri-County typical
Today
$12,825
per yr · 2026
Year 10
$25,421
per yr · 2036
10-yr cumulative
$203,150
all-in carrying cost
True-Cost composite · 67/100
top driver: Flood-zone exposure · 10-yr cost lift +98%
Flood
100
Insurance
20
Tax growth
70
Reassess
96
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 50/100predicted 90-180d
hazard ratio 2.52× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
76
Tax jump
94
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 | $10,866 | $109 | $1,850 | $12,825 | $3,812 |
| +1yr | $11,680 | $113 | $1,933 | $13,727 | $4,040 |
| +2yr | $12,556 | $117 | $2,020 | $14,694 | $4,282 |
| +3yr | $13,498 | $121 | $2,111 | $15,730 | $4,539 |
| +4yr | $14,511 | $125 | $2,206 | $16,842 | $4,813 |
| +5yr | $15,599 | $130 | $2,305 | $18,034 | $5,104 |
| +6yr | $16,769 | $134 | $2,409 | $19,312 | $5,415 |
| +7yr | $18,026 | $139 | $2,518 | $20,683 | $5,745 |
| +8yr | $19,378 | $144 | $2,631 | $22,153 | $6,096 |
| +9yr | $20,832 | $149 | $2,749 | $23,730 | $6,471 |
| +10yr | $22,394 | $154 | $2,873 | $25,421 | $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.