Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
1438 Beachwalk StTC: 27PL: 49
Folly Beach · charleston · 29464
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$9,258
per yr · 2026
Year 10
$18,079
per yr · 2036
10-yr cumulative
$145,380
all-in carrying cost
True-Cost composite · 27/100
top driver: Tax-step trajectory · 10-yr cost lift +95%
Flood
15
Insurance
2
Tax growth
70
Reassess
30
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 49/100predicted 90-180d
hazard ratio 2.50× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
82
Tax jump
82
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 | $7,313 | $94 | $1,850 | $9,258 | $3,812 |
| +1yr | $7,862 | $98 | $1,933 | $9,893 | $4,040 |
| +2yr | $8,451 | $101 | $2,020 | $10,573 | $4,282 |
| +3yr | $9,085 | $105 | $2,111 | $11,301 | $4,539 |
| +4yr | $9,767 | $108 | $2,206 | $12,081 | $4,813 |
| +5yr | $10,499 | $112 | $2,305 | $12,917 | $5,104 |
| +6yr | $11,287 | $116 | $2,409 | $13,812 | $5,415 |
| +7yr | $12,133 | $120 | $2,518 | $14,771 | $5,745 |
| +8yr | $13,043 | $124 | $2,631 | $15,798 | $6,096 |
| +9yr | $14,021 | $128 | $2,749 | $16,899 | $6,471 |
| +10yr | $15,073 | $133 | $2,873 | $18,079 | $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.