Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1524 Riverside BlvdTC: 56PL: 34
Isle of Palms · charleston · 29456
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Year-10 annual cost
vs Tri-County typical
Today
$6,524
per yr · 2026
Year 10
$12,468
per yr · 2036
10-yr cumulative
$101,183
all-in carrying cost
True-Cost composite · 56/100
top driver: Flood-zone exposure · 10-yr cost lift +91%
Flood
85
Insurance
12
Tax growth
60
Reassess
50
Utility
65
Foundation
85
HOA
25
Pre-Listing composite · 34/100predicted 180-365d
hazard ratio 1.75× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
60
Tax jump
0
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 | $4,615 | $59 | $1,850 | $6,524 | $3,812 |
| +1yr | $4,961 | $61 | $1,933 | $6,955 | $4,040 |
| +2yr | $5,333 | $63 | $2,020 | $7,417 | $4,282 |
| +3yr | $5,733 | $65 | $2,111 | $7,910 | $4,539 |
| +4yr | $6,163 | $67 | $2,206 | $8,437 | $4,813 |
| +5yr | $6,626 | $70 | $2,305 | $9,001 | $5,104 |
| +6yr | $7,123 | $72 | $2,409 | $9,604 | $5,415 |
| +7yr | $7,657 | $75 | $2,518 | $10,249 | $5,745 |
| +8yr | $8,231 | $77 | $2,631 | $10,939 | $6,096 |
| +9yr | $8,848 | $80 | $2,749 | $11,678 | $6,471 |
| +10yr | $9,512 | $83 | $2,873 | $12,468 | $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.