Property Vital Signs · Pulse
Prepared by Movement Charleston · Charleston Tri-County
← back to leaderboard
Property Vital Signs
4799 Magnolia DrTC: 50PL: 36
Downtown Charleston · charleston · 29475
Press ⌘ + P to print this page as a buyer-facing PDF report.
Year-10 annual cost
vs Tri-County typical
Today
$8,173
per yr · 2026
Year 10
$15,853
per yr · 2036
10-yr cumulative
$127,843
all-in carrying cost
True-Cost composite · 50/100
top driver: Flood-zone exposure · 10-yr cost lift +94%
Flood
85
Insurance
0
Tax growth
60
Reassess
30
Utility
65
Foundation
50
HOA
45
Pre-Listing composite · 36/100predicted 180-365d
hazard ratio 1.85× · top driver: Peak-tenure window
Probate
0
Distress
0
Utility
0
Cosmetic permit
0
Insurance
0
Payoff
0
Tenure
80
Tax jump
0
Title events
0
Comp sales
100
Hood velocity
16
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 | $6,243 | $80 | $1,850 | $8,173 | $3,812 |
| +1yr | $6,711 | $83 | $1,933 | $8,727 | $4,040 |
| +2yr | $7,214 | $86 | $2,020 | $9,320 | $4,282 |
| +3yr | $7,755 | $89 | $2,111 | $9,955 | $4,539 |
| +4yr | $8,337 | $92 | $2,206 | $10,635 | $4,813 |
| +5yr | $8,962 | $96 | $2,305 | $11,363 | $5,104 |
| +6yr | $9,634 | $99 | $2,409 | $12,142 | $5,415 |
| +7yr | $10,357 | $102 | $2,518 | $12,977 | $5,745 |
| +8yr | $11,133 | $106 | $2,631 | $13,870 | $6,096 |
| +9yr | $11,968 | $110 | $2,749 | $14,827 | $6,471 |
| +10yr | $12,866 | $114 | $2,873 | $15,853 | $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.