Living on the coast has its benefits. The saltwater creeks, marshes, the Sunday drive to the beach to go soak away the sun and leave your troubles behind… All of these things make living in Charleston desirable. There is no pleasure without pain. While certainly that statement may be a little excessive, it can still be a bit of a pain to deal with flood elevation certificates when purchasing a property.

The first step is to evaluate the seller disclosure form. There is a question that asks if the property is in a flood zone. Eight times out of 10 the answer is yes. Some of the time, the seller disclosure form indicates how much flood insurance costs each year. The path of least resistance leads us to asking the seller more questions at this point. One being, do they have a copy of the flood elevation certificate?

If the answer is yes, then it’s fairly smooth sailing from this point. Taking that elevation certificate to an insurance agent will generally lead to an easy quote which will help fill in the blanks regarding how much the property will cost on a monthly basis. We have to be a bit careful at times though, as the flood elevation certificate may be old and the insurance agent will likely verify that the flood maps haven’t changed since that point. There is a 50 – 50 shot that you may have to get a new flood elevation certificate.

If the seller does not have a flood elevation certificate, it is best to simply call the insurance company that works in the area. They will be a loaded term in by looking at the flood maps if the property is in a flood zone. If it is not, then you lucked out. They will be up to provide insurance without having to add on additional flood coverage. Keep in mind, we are on the coast and even if the property does not require flood insurance in order to obtain a mortgage, it’s never a bad idea to have a policy in place.

If the insurance company does note that the property is in a flood zone, then the next step is to order a flood elevation certificate. These are performed by surveyors. They will plot the property out and measure the bottom of the first floor above sea level. Sometimes the house is in a condition that will make the premium rise. For example, if a property is on a crawlspace foundation, then it will have crawlspace vents installed. The insurance company requires the same amount of square inches of ventilated crawlspace equal to the square footage footprint of the entire house. This information is determined on the flood elevation certificate, and in some cases the house may need to be modified by adding more events in order to keep a premium low.

Flood insurance is just a part of living in the Charleston South Carolina area. It does not mean that it floods year-over-year. It simply means that there is a risk, and this is all based on a 100 year flood map. I live on the water with a view of the Ashley River. Fortunately, I am not required to have flood insurance. I live on a bluff and apparently the bottom of my first floors high enough above sea level where it is not necessary in order for me to maintain my mortgage. My neighbors live across the street and are just 75 feet away from me. They are not of the water, however, they are required to have flood insurance. It doesn’t make much sense, but that is just the fact of life. As a note, I do have flood insurance. The premium is roughly $300 per year. This is good peace of mind, as you never know what will happen in the future.

Nat Wallen’s marketing campaign sells homes.

Thank You Charleston!

"I did not know there was a contest, so when Charleston City Paper readers voted me as their favorite Realtor, it was really nice. Charleston is a beautiful place, but the people here are what make living here so great!" - Nat Wallen

The Carolina One™ Sign

Every aspect of what makes a sale successful has been carefully dissected for your benefit. Even down to what colors are most memorable and recognizable together on the Carolina One Real Estate sign.

Drone Photography

Luxury properties and large tracts of land need to be viewed from a different perspective to attract a buyer. Standing out to buyers on the web is critical, and drones can make that happen in the right situation.

Luxury Portfolio Program

Carolina One sells more homes over $1,000,000 than any other company in Charleston. Our Luxury Portfolio Program includes high quality peripherals, professional photography and an international marketing reach including the Wall Street Journal, and our Luxury Homes magazine.

Coming Soon Program

With nearly 1000 agents, I will share your homes as a "coming soon" offering in our private Facebook group. Your home will be exposed to all of the buyers Carolina One agents are working with and will sell your home faster, and for more money... and this may even happen before it is placed on the market.

A Secure Lockbox

The latest technology is utilized to ensure your home is easily accessible and completely secure. You can rest assured that your home will only be accessed by licensed SC Realtors, on your time frame, and on your specific terms.

Showing Appointments

Handling the day-to-day showing appointments is an integral part of the sales process. Nat is able to efficiently arrange showings designed to follow the guidelines that you determine.

High-Quality Photography

Quality photography plays an important role in attracting a buyer for your home. By taking the time to determine the best angle, time of day and what photos to include in your marketing campaign, Nat’s photography speaks volumes.

A Professional Description

Careful attention to details will ensure your home is described and presented in the best light possible. By describing your home accurately and positively, Nat will work with YOU as the seller to craft the best feature and benefit list possible.

Carolina One™ Marketing

Your home sale will benefit with the Carolina One team at work. Through a variety of different mediums, the fully staffed marketing department works to expose your home to all buyers coming into the Charleston area.

The Caravan Tour

Nat Wallen will arrange a Carolina One agent tour of your home. Agents will become familiar with what your home offers by seeing it in person, and can share this information with their clients. In addition, agent feedback provides insightful opinions on the asking price and what will aid in the process.

The “Now Showing” System

Using Carolina One’s exclusive “Now Showing System,” Nat will proactively contact agents currently looking for a home like yours. This proprietary software system will locate agents currently working with buyers that fit the price range and area for your home.

Office Notifications

Carolina One has several offices in the Charleston area. With quality materials and a strong network of active Realtors selling homes each day in your neighborhood, your home sale will benefit with the strength of Carolina One’s agents working together.

Free Home Warranty

An American Home Shield home warranty will be placed on your property at no cost to you. This coverage is provided to you while your home is listed with Nat Wallen of Carolina One Real Estate.

Multiple Listing Service

Nat Wallen takes great care to provide an engaging description and high-quality photography to share your home’s features with all Charleston area buyers.

Buyer E-mail Notifications

With Nat’s knowledge of how to push the MLS features to their full capabilities, each day as buyers come into the market looking for a home like yours, they will receive an e-mail from their agent letting them know it is for sale and ready to be shown.

With over 80,000 visitors each month, Carolina One’s professional website allows your home’s quality photos, detailed description and availability to be shared with incoming buyers to the area on a local, national and global scale.

Relocation Notifications

Leading Real Estate Companies of the World will be notified of your home’s availability for sale. Composed of 550 firms, 4,600 offices and 140,000 sales associates in over 30 countries, this group of successful real estate agencies send referrals daily.

Mass Realtor Syndication is a heavily used Charleston real estate website. In addition to reaching hundreds of buyers visiting each day, your home will be syndicated to over 3,000 Realtor websites.

Multiple Websites

Your property will be listed on,, Google,,,,,,,,,,,,,, etc.

Social Networking

Your home will be shared through various social networking portals. Nat controls several Facebook pages and groups. Your property will be shared on pages like “Charleston, SC” - “Fans of Charleston” - “Fans of MUSC” - “Mt. Pleasant SC”- “The Nat Wallen Team” - ”Nat Wallen Real Estate” and “The Best of Charleston.”

Sell your home with the market leader.

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