Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
4163 Channel DrTC: 37PL: 37
Kiawah Island · charleston · 29433
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Year-10 annual cost
vs Tri-County typical
Today
$7,608
per yr · 2026
Year 10
$14,693
per yr · 2036
10-yr cumulative
$118,713
all-in carrying cost
True-Cost composite · 37/100
top driver: Flood-zone exposure · 10-yr cost lift +93%
Flood
45
Insurance
0
Tax growth
38
Reassess
50
Utility
65
Foundation
70
HOA
25
Pre-Listing composite · 37/100predicted 180-365d
hazard ratio 1.87× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
84
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
10
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 | $5,685 | $73 | $1,850 | $7,608 | $3,812 |
| +1yr | $6,111 | $76 | $1,933 | $8,121 | $4,040 |
| +2yr | $6,570 | $78 | $2,020 | $8,669 | $4,282 |
| +3yr | $7,063 | $81 | $2,111 | $9,255 | $4,539 |
| +4yr | $7,592 | $84 | $2,206 | $9,882 | $4,813 |
| +5yr | $8,162 | $87 | $2,305 | $10,554 | $5,104 |
| +6yr | $8,774 | $90 | $2,409 | $11,273 | $5,415 |
| +7yr | $9,432 | $93 | $2,518 | $12,043 | $5,745 |
| +8yr | $10,139 | $96 | $2,631 | $12,867 | $6,096 |
| +9yr | $10,900 | $100 | $2,749 | $13,749 | $6,471 |
| +10yr | $11,717 | $103 | $2,873 | $14,693 | $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.