Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1193 Pelican BlvdTC: 52PL: 34
Isle of Palms · charleston · 29436
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Year-10 annual cost
vs Tri-County typical
Today
$10,880
per yr · 2026
Year 10
$21,410
per yr · 2036
10-yr cumulative
$171,616
all-in carrying cost
True-Cost composite · 52/100
top driver: Flood-zone exposure · 10-yr cost lift +97%
Flood
85
Insurance
0
Tax growth
60
Reassess
50
Utility
65
Foundation
70
HOA
25
Pre-Listing composite · 34/100predicted 180-365d
hazard ratio 1.75× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
61
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 | $8,915 | $115 | $1,850 | $10,880 | $3,812 |
| +1yr | $9,584 | $119 | $1,933 | $11,636 | $4,040 |
| +2yr | $10,303 | $123 | $2,020 | $12,446 | $4,282 |
| +3yr | $11,075 | $127 | $2,111 | $13,314 | $4,539 |
| +4yr | $11,906 | $132 | $2,206 | $14,244 | $4,813 |
| +5yr | $12,799 | $136 | $2,305 | $15,241 | $5,104 |
| +6yr | $13,759 | $141 | $2,409 | $16,309 | $5,415 |
| +7yr | $14,791 | $146 | $2,518 | $17,455 | $5,745 |
| +8yr | $15,900 | $151 | $2,631 | $18,682 | $6,096 |
| +9yr | $17,093 | $157 | $2,749 | $19,999 | $6,471 |
| +10yr | $18,375 | $162 | $2,873 | $21,410 | $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.