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Overview

1 bd2 ba521 sqftManufactured Home
TypeManufactured Home
HOA$178/mo
Built2018
Lot3,003 sqft
Living area521 sqft
Price / sqft$681

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsPrimary Bedroom Main FloorSolid Wood CabinetsTray Ceiling(s)Vaulted Ceiling(s)Lighting

1315 Pine Island Dr N is a 2018-built home in Shelter Cove, St Cloud. Inside you'll find 1 bedrooms, 2 bathrooms, and 521 square feet of living space. Listed at $355,000 (about $681/sqft), 196 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $178 monthly.

From the listing

This is everything you have been dreaming of! Check out this 1bedroom 1 bathroom lakefront on the Alligator Chain of Lakes with extensive upgrades and superior construction. Tray ceilings, crown molding, full baseboards, vinyl plank flooring, quartz counters in kitchen and bath with custom backsplash, large stainless sink, solid wood cabinetry, walk-in glass shower, and ceiling fans. Stainless appliance package includes glass-top range, oven, microwave, dishwasher, and upgraded refrigerator with ice maker. Garbage disposal and Culligan RO filtration system. Built with 2x6 shear walls, Hardie board concrete siding to the base, metal roof, double-pane windows, double cross tie-down system anchored into concrete, and upgraded 200-amp service.Outdoor living is taken to the next level with a composite dock and decking leading to a custom-built tiki bar, constructed on pilings driven to the lake bottom and topped with a standing seam metal roof. The tiki area is fully equipped with 50-amp electric, water, refrigeration, and a bar setup—perfect for entertaining. Remote-controlled screens provide comfort and shade while you enjoy the view. The composite seawall is reinforced with stainless steel tie-backs and durable filter fabric, offering both beauty and long-term stability. Boat ramp is located just seconds away. Excellent waterfront location for boating, fishing, and skiing. Ideal for primary residence or weekend retreat. Don't miss this opportunity to own your own private oasis. Home is located close to beaches, resturants, hospitals loca shopping but still maintains a privacy with its own community.

The essentials

Built
2018
Price / sqft
$681
On market
196 days
Annual tax
$996
HOA
$178/mo
Flood zone
AE
Lot
3,003 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2018
Waterfront
Lake Privileges
Community pool
Shared amenity
3,003 sqft lot
Lot size
521 sqft
Living area

Payment

Est. monthly payment
$2,290/mo
Down payment (20%)
$71,000
Property taxes
$83/mo
HOA
$178/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2018
Lot
3,003 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Lake Privileges
Days on Market
196
Ceiling Fans(s)
Crown Molding
High Ceilings
Primary Bedroom Main Floor
Solid Wood Cabinets
Tray Ceiling(s)
Vaulted Ceiling(s)
Lighting
Storage
Buyer Approval Required
Clubhouse
Community Mailbox
Gated Community - No Guard
Golf Carts OK
Pool
Cooktop
Dishwasher
Disposal
Microwave
Refrigerator
Water Filtration System
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$996
Parcel #
34-25-31-4987-0001-0046

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Shelter Cove
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
3,003 sqft
In CountyLandscapedPaved
HOA
$178/mo
Sentry management/ Bridgett Shearin

Price history

Date
Event
Price
8/13/2026
Price change
Source: Stellar MLS #S5146989
$355,000-5.3%
$681/sqft
4/1/2026
Listed for sale
Source: Stellar MLS #S5146989
$375,000
$720/sqft

Neighborhood

1315 Pine Island Dr N
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $355,000
$352,500 – $355,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 196 after a $20,000 cut.

Sample: 471 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,290/mo
Principal & interest$1,851
Property taxes$83
Insurance$178
HOA$178
Down payment20% · $71,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$355,000

$681 per sq ft

Beds and baths

1 beds, 2 baths

Size

521 sq ft

Time on market

196 days

Year built

2018

Monthly payment

About $2,290/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $996 annual tax bill, insurance, and the $178/mo HOA fee.

HOA fee

$178/mo

Managed by Sentry management/ Bridgett Shearin.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byTIE TEAM REALTY LLCListing agent: Stephanie Peterson, PAListing data from Stellar MLS, MLS# S5146989.

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