Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
4932 Oakcrest StTC: 25PL: 30
Daniel Island · berkeley · 29429
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Year-10 annual cost
vs Tri-County typical
Today
$7,386
per yr · 2026
Year 10
$14,235
per yr · 2036
10-yr cumulative
$115,111
all-in carrying cost
True-Cost composite · 25/100
top driver: Tax-step trajectory · 10-yr cost lift +93%
Flood
15
Insurance
2
Tax growth
60
Reassess
0
Utility
50
Foundation
25
HOA
65
Pre-Listing composite · 30/100predicted 180-365d
hazard ratio 1.60× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
73
Tax jump
0
Title events
0
Comp sales
30
Hood velocity
4
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 | $5,461 | $75 | $1,850 | $7,386 | $3,812 |
| +1yr | $5,871 | $78 | $1,933 | $7,882 | $4,040 |
| +2yr | $6,311 | $81 | $2,020 | $8,412 | $4,282 |
| +3yr | $6,784 | $83 | $2,111 | $8,979 | $4,539 |
| +4yr | $7,293 | $86 | $2,206 | $9,586 | $4,813 |
| +5yr | $7,840 | $89 | $2,305 | $10,235 | $5,104 |
| +6yr | $8,428 | $92 | $2,409 | $10,930 | $5,415 |
| +7yr | $9,060 | $96 | $2,518 | $11,674 | $5,745 |
| +8yr | $9,740 | $99 | $2,631 | $12,470 | $6,096 |
| +9yr | $10,470 | $103 | $2,749 | $13,322 | $6,471 |
| +10yr | $11,256 | $106 | $2,873 | $14,235 | $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.