Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1209 Plantation PlTC: 25PL: 25
Mt Pleasant · charleston · 29441
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Year-10 annual cost
vs Tri-County typical
Today
$7,078
per yr · 2026
Year 10
$13,604
per yr · 2036
10-yr cumulative
$110,132
all-in carrying cost
True-Cost composite · 25/100
top driver: Tax-step trajectory · 10-yr cost lift +92%
Flood
15
Insurance
0
Tax growth
60
Reassess
30
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 25/100predicted 180-365d
hazard ratio 1.42× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
79
Tax jump
0
Title events
0
Comp sales
0
Hood velocity
5
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 | $5,161 | $67 | $1,850 | $7,078 | $3,812 |
| +1yr | $5,548 | $69 | $1,933 | $7,550 | $4,040 |
| +2yr | $5,964 | $71 | $2,020 | $8,056 | $4,282 |
| +3yr | $6,412 | $74 | $2,111 | $8,597 | $4,539 |
| +4yr | $6,893 | $76 | $2,206 | $9,175 | $4,813 |
| +5yr | $7,409 | $79 | $2,305 | $9,794 | $5,104 |
| +6yr | $7,965 | $82 | $2,409 | $10,456 | $5,415 |
| +7yr | $8,563 | $85 | $2,518 | $11,165 | $5,745 |
| +8yr | $9,205 | $88 | $2,631 | $11,923 | $6,096 |
| +9yr | $9,895 | $91 | $2,749 | $12,735 | $6,471 |
| +10yr | $10,637 | $94 | $2,873 | $13,604 | $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.