Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
3875 Schooner LnTC: 46PL: 21
James Island · charleston · 29440
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$3,633
per yr · 2026
Year 10
$6,532
per yr · 2036
10-yr cumulative
$54,429
all-in carrying cost
True-Cost composite · 46/100
top driver: Flood-zone exposure · 10-yr cost lift +80%
Flood
85
Insurance
0
Tax growth
49
Reassess
0
Utility
65
Foundation
50
HOA
25
Pre-Listing composite · 21/100predicted 180-365d
hazard ratio 1.30× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
16
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 | $1,760 | $23 | $1,850 | $3,633 | $3,812 |
| +1yr | $1,892 | $23 | $1,933 | $3,849 | $4,040 |
| +2yr | $2,034 | $24 | $2,020 | $4,078 | $4,282 |
| +3yr | $2,186 | $25 | $2,111 | $4,323 | $4,539 |
| +4yr | $2,350 | $26 | $2,206 | $4,582 | $4,813 |
| +5yr | $2,527 | $27 | $2,305 | $4,859 | $5,104 |
| +6yr | $2,716 | $28 | $2,409 | $5,153 | $5,415 |
| +7yr | $2,920 | $29 | $2,518 | $5,466 | $5,745 |
| +8yr | $3,139 | $30 | $2,631 | $5,799 | $6,096 |
| +9yr | $3,374 | $31 | $2,749 | $6,154 | $6,471 |
| +10yr | $3,627 | $32 | $2,873 | $6,532 | $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.