Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
1030 Dogwood AveTC: 26PL: 34
Sullivan's Island · charleston · 29446
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Year-10 annual cost
vs Tri-County typical
Today
$8,563
per yr · 2026
Year 10
$16,653
per yr · 2036
10-yr cumulative
$134,151
all-in carrying cost
True-Cost composite · 26/100
top driver: Tax-step trajectory · 10-yr cost lift +94%
Flood
15
Insurance
0
Tax growth
60
Reassess
81
Utility
65
Foundation
10
HOA
25
Pre-Listing composite · 34/100predicted 180-365d
hazard ratio 1.76× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
63
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
15
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 | $6,628 | $85 | $1,850 | $8,563 | $3,812 |
| +1yr | $7,125 | $88 | $1,933 | $9,146 | $4,040 |
| +2yr | $7,659 | $92 | $2,020 | $9,771 | $4,282 |
| +3yr | $8,234 | $95 | $2,111 | $10,439 | $4,539 |
| +4yr | $8,851 | $98 | $2,206 | $11,155 | $4,813 |
| +5yr | $9,515 | $101 | $2,305 | $11,922 | $5,104 |
| +6yr | $10,229 | $105 | $2,409 | $12,743 | $5,415 |
| +7yr | $10,996 | $109 | $2,518 | $13,622 | $5,745 |
| +8yr | $11,820 | $112 | $2,631 | $14,564 | $6,096 |
| +9yr | $12,707 | $116 | $2,749 | $15,573 | $6,471 |
| +10yr | $13,660 | $121 | $2,873 | $16,653 | $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.