Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
4380 Maple DrTC: 53PL: 35
James Island · charleston · 29484
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$6,530
per yr · 2026
Year 10
$12,480
per yr · 2036
10-yr cumulative
$101,276
all-in carrying cost
True-Cost composite · 53/100
top driver: Flood-zone exposure · 10-yr cost lift +91%
Flood
85
Insurance
0
Tax growth
47
Reassess
93
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 35/100predicted 180-365d
hazard ratio 1.79× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
67
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
14
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 | $4,620 | $60 | $1,850 | $6,530 | $3,812 |
| +1yr | $4,967 | $62 | $1,933 | $6,962 | $4,040 |
| +2yr | $5,339 | $64 | $2,020 | $7,423 | $4,282 |
| +3yr | $5,740 | $66 | $2,111 | $7,917 | $4,539 |
| +4yr | $6,170 | $68 | $2,206 | $8,445 | $4,813 |
| +5yr | $6,633 | $71 | $2,305 | $9,009 | $5,104 |
| +6yr | $7,131 | $73 | $2,409 | $9,613 | $5,415 |
| +7yr | $7,665 | $76 | $2,518 | $10,259 | $5,745 |
| +8yr | $8,240 | $78 | $2,631 | $10,950 | $6,096 |
| +9yr | $8,858 | $81 | $2,749 | $11,689 | $6,471 |
| +10yr | $9,523 | $84 | $2,873 | $12,480 | $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.