Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
4972 Schooner AveTC: 40PL: 42
Isle of Palms · charleston · 29467
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Year-10 annual cost
vs Tri-County typical
Today
$6,195
per yr · 2026
Year 10
$11,792
per yr · 2036
10-yr cumulative
$95,860
all-in carrying cost
True-Cost composite · 40/100
top driver: Flood-zone exposure · 10-yr cost lift +90%
Flood
45
Insurance
0
Tax growth
70
Reassess
0
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 42/100predicted 90-180d
hazard ratio 2.09× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
44
Tax jump
48
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 | $4,290 | $55 | $1,850 | $6,195 | $3,812 |
| +1yr | $4,611 | $57 | $1,933 | $6,602 | $4,040 |
| +2yr | $4,957 | $59 | $2,020 | $7,037 | $4,282 |
| +3yr | $5,329 | $61 | $2,111 | $7,501 | $4,539 |
| +4yr | $5,729 | $63 | $2,206 | $7,998 | $4,813 |
| +5yr | $6,158 | $66 | $2,305 | $8,529 | $5,104 |
| +6yr | $6,620 | $68 | $2,409 | $9,097 | $5,415 |
| +7yr | $7,117 | $70 | $2,518 | $9,705 | $5,745 |
| +8yr | $7,651 | $73 | $2,631 | $10,354 | $6,096 |
| +9yr | $8,224 | $75 | $2,749 | $11,049 | $6,471 |
| +10yr | $8,841 | $78 | $2,873 | $11,792 | $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.