Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
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Property Vital Signs
4867 Azalea PlTC: 16PL: 21
Moncks Corner · berkeley · 29453
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Year-10 annual cost
vs Tri-County typical
Today
$4,214
per yr · 2026
Year 10
$7,725
per yr · 2036
10-yr cumulative
$63,832
all-in carrying cost
True-Cost composite · 16/100
top driver: Utility rate pressure · 10-yr cost lift +83%
Flood
15
Insurance
0
Tax growth
21
Reassess
0
Utility
50
Foundation
25
HOA
25
Pre-Listing composite · 21/100predicted 180-365d
hazard ratio 1.30× · top driver: Subdivision FOMO
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
13
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
7
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 | $2,332 | $32 | $1,850 | $4,214 | $3,812 |
| +1yr | $2,507 | $33 | $1,933 | $4,474 | $4,040 |
| +2yr | $2,695 | $34 | $2,020 | $4,750 | $4,282 |
| +3yr | $2,897 | $36 | $2,111 | $5,044 | $4,539 |
| +4yr | $3,115 | $37 | $2,206 | $5,358 | $4,813 |
| +5yr | $3,348 | $38 | $2,305 | $5,692 | $5,104 |
| +6yr | $3,600 | $40 | $2,409 | $6,048 | $5,415 |
| +7yr | $3,869 | $41 | $2,518 | $6,428 | $5,745 |
| +8yr | $4,160 | $42 | $2,631 | $6,833 | $6,096 |
| +9yr | $4,472 | $44 | $2,749 | $7,265 | $6,471 |
| +10yr | $4,807 | $45 | $2,873 | $7,725 | $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.