Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
4620 Captain LnTC: 29PL: 50
Kiawah Island · charleston · 29434
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$9,571
per yr · 2026
Year 10
$18,722
per yr · 2036
10-yr cumulative
$150,445
all-in carrying cost
True-Cost composite · 29/100
top driver: Tax-step trajectory · 10-yr cost lift +96%
Flood
15
Insurance
0
Tax growth
70
Reassess
81
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 50/100predicted 90-180d
hazard ratio 2.53× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
82
Tax jump
88
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 | $7,623 | $98 | $1,850 | $9,571 | $3,812 |
| +1yr | $8,194 | $102 | $1,933 | $10,229 | $4,040 |
| +2yr | $8,809 | $105 | $2,020 | $10,934 | $4,282 |
| +3yr | $9,470 | $109 | $2,111 | $11,690 | $4,539 |
| +4yr | $10,180 | $113 | $2,206 | $12,499 | $4,813 |
| +5yr | $10,943 | $117 | $2,305 | $13,365 | $5,104 |
| +6yr | $11,764 | $121 | $2,409 | $14,294 | $5,415 |
| +7yr | $12,646 | $125 | $2,518 | $15,289 | $5,745 |
| +8yr | $13,595 | $129 | $2,631 | $16,355 | $6,096 |
| +9yr | $14,614 | $134 | $2,749 | $17,498 | $6,471 |
| +10yr | $15,710 | $139 | $2,873 | $18,722 | $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.