Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
4014 Saltgrass CtTC: 28PL: 58
Kiawah Island · charleston · 29443
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Year-10 annual cost
vs Tri-County typical
Today
$10,646
per yr · 2026
Year 10
$20,928
per yr · 2036
10-yr cumulative
$167,825
all-in carrying cost
True-Cost composite · 28/100
top driver: Tax-step trajectory · 10-yr cost lift +97%
Flood
15
Insurance
0
Tax growth
60
Reassess
89
Utility
65
Foundation
25
HOA
25
Pre-Listing composite · 58/100predicted 90-180d
hazard ratio 3.04× · top driver: Active lis pendens
Probate
0
Distress
41
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
34
Tax jump
0
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 | $8,684 | $112 | $1,850 | $10,646 | $3,812 |
| +1yr | $9,335 | $116 | $1,933 | $11,384 | $4,040 |
| +2yr | $10,035 | $120 | $2,020 | $12,175 | $4,282 |
| +3yr | $10,788 | $124 | $2,111 | $13,023 | $4,539 |
| +4yr | $11,597 | $128 | $2,206 | $13,932 | $4,813 |
| +5yr | $12,467 | $133 | $2,305 | $14,905 | $5,104 |
| +6yr | $13,402 | $138 | $2,409 | $15,948 | $5,415 |
| +7yr | $14,407 | $142 | $2,518 | $17,067 | $5,745 |
| +8yr | $15,487 | $147 | $2,631 | $18,266 | $6,096 |
| +9yr | $16,649 | $153 | $2,749 | $19,551 | $6,471 |
| +10yr | $17,898 | $158 | $2,873 | $20,928 | $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.