Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1866 Magnolia StTC: 30PL: 50
West Ashley · charleston · 29470
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Year-10 annual cost
vs Tri-County typical
Today
$4,898
per yr · 2026
Year 10
$9,129
per yr · 2036
10-yr cumulative
$74,885
all-in carrying cost
True-Cost composite · 30/100
top driver: Tax-step trajectory · 10-yr cost lift +86%
Flood
15
Insurance
0
Tax growth
70
Reassess
89
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 50/100predicted 90-180d
hazard ratio 2.53× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
79
Tax jump
91
Title events
0
Comp sales
100
Hood velocity
11
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 | $3,009 | $39 | $1,850 | $4,898 | $3,812 |
| +1yr | $3,235 | $40 | $1,933 | $5,208 | $4,040 |
| +2yr | $3,477 | $42 | $2,020 | $5,539 | $4,282 |
| +3yr | $3,738 | $43 | $2,111 | $5,892 | $4,539 |
| +4yr | $4,018 | $45 | $2,206 | $6,269 | $4,813 |
| +5yr | $4,320 | $46 | $2,305 | $6,671 | $5,104 |
| +6yr | $4,644 | $48 | $2,409 | $7,101 | $5,415 |
| +7yr | $4,992 | $49 | $2,518 | $7,559 | $5,745 |
| +8yr | $5,366 | $51 | $2,631 | $8,048 | $6,096 |
| +9yr | $5,769 | $53 | $2,749 | $8,571 | $6,471 |
| +10yr | $6,201 | $55 | $2,873 | $9,129 | $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.