Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
2262 Pinehurst AveTC: 24PL: 33
Isle of Palms · charleston · 29429
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Year-10 annual cost
vs Tri-County typical
Today
$10,920
per yr · 2026
Year 10
$21,491
per yr · 2036
10-yr cumulative
$172,254
all-in carrying cost
True-Cost composite · 24/100
top driver: Tax-step trajectory · 10-yr cost lift +97%
Flood
15
Insurance
2
Tax growth
60
Reassess
0
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 33/100predicted 180-365d
hazard ratio 1.71× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
51
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 | $8,954 | $115 | $1,850 | $10,920 | $3,812 |
| +1yr | $9,626 | $119 | $1,933 | $11,679 | $4,040 |
| +2yr | $10,348 | $124 | $2,020 | $12,492 | $4,282 |
| +3yr | $11,124 | $128 | $2,111 | $13,363 | $4,539 |
| +4yr | $11,958 | $132 | $2,206 | $14,297 | $4,813 |
| +5yr | $12,855 | $137 | $2,305 | $15,297 | $5,104 |
| +6yr | $13,819 | $142 | $2,409 | $16,370 | $5,415 |
| +7yr | $14,856 | $147 | $2,518 | $17,520 | $5,745 |
| +8yr | $15,970 | $152 | $2,631 | $18,753 | $6,096 |
| +9yr | $17,167 | $157 | $2,749 | $20,074 | $6,471 |
| +10yr | $18,455 | $163 | $2,873 | $21,491 | $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.