Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
3353 Channel CtTC: 54PL: 33
James Island · charleston · 29487
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Year-10 annual cost
vs Tri-County typical
Today
$5,646
per yr · 2026
Year 10
$10,665
per yr · 2036
10-yr cumulative
$86,980
all-in carrying cost
True-Cost composite · 54/100
top driver: Flood-zone exposure · 10-yr cost lift +89%
Flood
100
Insurance
0
Tax growth
42
Reassess
30
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 33/100predicted 180-365d
hazard ratio 1.73× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
55
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 | $3,747 | $48 | $1,850 | $5,646 | $3,812 |
| +1yr | $4,029 | $50 | $1,933 | $6,012 | $4,040 |
| +2yr | $4,331 | $52 | $2,020 | $6,403 | $4,282 |
| +3yr | $4,655 | $54 | $2,111 | $6,820 | $4,539 |
| +4yr | $5,005 | $55 | $2,206 | $7,266 | $4,813 |
| +5yr | $5,380 | $57 | $2,305 | $7,743 | $5,104 |
| +6yr | $5,783 | $59 | $2,409 | $8,252 | $5,415 |
| +7yr | $6,217 | $61 | $2,518 | $8,796 | $5,745 |
| +8yr | $6,684 | $64 | $2,631 | $9,378 | $6,096 |
| +9yr | $7,185 | $66 | $2,749 | $10,000 | $6,471 |
| +10yr | $7,724 | $68 | $2,873 | $10,665 | $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.