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