Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
800 Pelican WayTC: 33PL: 31
Johns Island · charleston · 29472
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Year-10 annual cost
vs Tri-County typical
Today
$5,071
per yr · 2026
Year 10
$9,495
per yr · 2036
10-yr cumulative
$77,733
all-in carrying cost
True-Cost composite · 33/100
top driver: Tax-step trajectory · 10-yr cost lift +87%
Flood
15
Insurance
20
Tax growth
60
Reassess
92
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 31/100predicted 180-365d
hazard ratio 1.64× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
36
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
9
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 | $3,194 | $27 | $1,850 | $5,071 | $3,812 |
| +1yr | $3,434 | $28 | $1,933 | $5,395 | $4,040 |
| +2yr | $3,692 | $29 | $2,020 | $5,740 | $4,282 |
| +3yr | $3,968 | $30 | $2,111 | $6,109 | $4,539 |
| +4yr | $4,266 | $31 | $2,206 | $6,503 | $4,813 |
| +5yr | $4,586 | $32 | $2,305 | $6,923 | $5,104 |
| +6yr | $4,930 | $33 | $2,409 | $7,372 | $5,415 |
| +7yr | $5,300 | $34 | $2,518 | $7,851 | $5,745 |
| +8yr | $5,697 | $35 | $2,631 | $8,363 | $6,096 |
| +9yr | $6,124 | $37 | $2,749 | $8,910 | $6,471 |
| +10yr | $6,584 | $38 | $2,873 | $9,495 | $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.