1389 Shipwreck Ln, photo 1
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Overview

0 baLand
TypeLand
HOA$178/mo
Lot2,744 sqft

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

About this home

Deed RestrictionsGated Community - No GuardGolf Carts OKPool

1389 Shipwreck Ln is a home in Shelter Cove, St Cloud. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $178 monthly.

From the listing

Your Perfect Florida Snowbird Retreat Awaits at Shelter Cove Resort. Escape cold winters and embrace the sunshine with this premium Large Corner RV lot in the highly sought-after Shelter Cove in beautiful St. Cloud, Florida. Nestled along the peaceful south shore of Lake Center, this fully concreted lot offers the ideal seasonal getaway for snowbirds seeking warmth, relaxation, and an active Florida lifestyle. Designed for convenience and low-maintenance living, this spacious lot includes a private storage building, 30 and 50 amp electric hookup and plenty of room for your RV—or the opportunity to place your own park model cottage and create the perfect winter home away from home. Property Features * Fully concreted RV site for easy parking and maintenance * Private storage building included with washer/dryer * Gated resort condominium community * Golf cart friendly neighborhood * Boat storage available * Access to Lake Center and the beautiful Alligator Chain of Lakes * Scenic wooded walking trails throughout the community Experience the Snowbird Lifestyle Imagine waking each morning to warm sunshine, gentle lake breezes, and the sounds of nature. Spend your days enjoying resort amenities, socializing with neighbors, boating, fishing, or simply relaxing by the heated pool. Shelter Cove is known for its welcoming seasonal residents, making it easy to build friendships and enjoy an active social calendar with clubhouse events, gatherings, games, and community activities throughout the winter months. Enjoy: * Warm Florida winters and beautiful lake sunsets * A friendly snowbird community atmosphere * Heated pool and active clubhouse * Boating, fishing, and wildlife viewing * Easy "lock-and-leave" ownership for seasonal travelers ## A Unique Florida Bonus – Watch Rocket Launches One of the most unforgettable experiences at Shelter Cove is viewing spectacular Florida rocket launches from the community. Located less than an hour from Florida’s Space Coast, residents often enjoy breathtaking daytime and nighttime launches right from their own neighborhood. ## A Boater’s and Nature Lover’s Paradise Shelter Cove sits on Lake Center, a beautiful 400-acre lake connected to the famous Alligator Chain of Lakes, offering endless opportunities for: * Fishing * Boating * Sunset cruises * Water sports * Bird watching and nature walks The resort encompasses 154 scenic acres, including: * 97 acres of wooded natural beauty * 25 acres of protected wetlands * Only 235 lots, creating a peaceful and uncrowded setting ## Prime Central Florida Location Enjoy the perfect balance of quiet waterfront living with convenient access to everyday necessities and Florida attractions. Located just minutes from: * Publix, Winn-Dixie, Walgreens, restaurants, and banking * Shopping and dining in downtown St. Cloud * Orlando International Airport * Disney and Orlando attractions * Cocoa Beach and Melbourne Beach * Florida cruise ports and the Space Coast ## Start Living Your Florida Dream Bring your RV, your boat, and your sense of adventure—and spend your winters surrounded by sunshine, lake views, friendly neighbors, and unforgettable rocket launches at beautiful Shelter Cove Resort Condominium.

The essentials

On market
58 days
Annual tax
$627
HOA
$178/mo
Flood zone
AE
Lot
2,744 sqft
Type
Land

At a glance

Land
Community pool
Shared amenity
2,744 sqft lot
Lot size

Payment

Est. monthly payment
$716/mo
Down payment (20%)
$17,000
Property taxes
$52/mo
HOA
$178/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
2,744 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
58
Deed Restrictions
Gated Community - No Guard
Golf Carts OK
Pool
Flood Zone AE
Annual Tax (2025)
$627
Parcel #
34-25-31-4987-0001-0350

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
2,744 sqft
HOA
$178/mo
Sentry Management/Bridgette Shearin

Price history

Date
Event
Price
8/18/2026
Listed for sale
Source: Stellar MLS #S5155800
$85,000

Neighborhood

1389 Shipwreck Ln
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Calculator

Est. monthly payment
$716/mo
Principal & interest$443
Property taxes$52
Insurance$43
HOA$178
Down payment20% · $17,000
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

$85,000

Time on market

58 days

Monthly payment

About $716/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $627 annual tax bill, insurance, and the $178/mo HOA fee.

HOA fee

$178/mo

Managed by Sentry Management/Bridgette 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.

Have another question?

Brokered byST. CLOUD REAL ESTATEListing agent: Kim DavidsonListing data from Stellar MLS, MLS# S5155800.

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