Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
268 Schooner StTC: 25PL: 48
Kiawah Island · charleston · 29424
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Year-10 annual cost
vs Tri-County typical
Today
$12,121
per yr · 2026
Year 10
$23,958
per yr · 2036
10-yr cumulative
$191,686
all-in carrying cost
True-Cost composite · 25/100
top driver: Tax-step trajectory · 10-yr cost lift +98%
Flood
15
Insurance
0
Tax growth
70
Reassess
0
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 48/100predicted 90-180d
hazard ratio 2.43× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
76
Tax jump
76
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 | $10,141 | $131 | $1,850 | $12,121 | $3,812 |
| +1yr | $10,901 | $135 | $1,933 | $12,970 | $4,040 |
| +2yr | $11,719 | $140 | $2,020 | $13,879 | $4,282 |
| +3yr | $12,598 | $145 | $2,111 | $14,854 | $4,539 |
| +4yr | $13,543 | $150 | $2,206 | $15,899 | $4,813 |
| +5yr | $14,558 | $155 | $2,305 | $17,019 | $5,104 |
| +6yr | $15,650 | $161 | $2,409 | $18,220 | $5,415 |
| +7yr | $16,824 | $166 | $2,518 | $19,508 | $5,745 |
| +8yr | $18,086 | $172 | $2,631 | $20,889 | $6,096 |
| +9yr | $19,442 | $178 | $2,749 | $22,370 | $6,471 |
| +10yr | $20,900 | $184 | $2,873 | $23,958 | $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.