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Overview

2 bd2 ba935 sqftManufactured Home
TypeManufactured Home
HOA$178/mo
Built2004
Lot3,006 sqft
Living area935 sqft
Price / sqft$214

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

About this home

Ceiling Fans(s)ThermostatWindow TreatmentsPrivate YardDeed RestrictionsFitness CenterGated Community - No GuardGolf Carts OK

1405 Starboard Dr is a 2004-built home in Shelter Cove, St Cloud. Inside you'll find 2 bedrooms, 2 bathrooms, and 935 square feet of living space. Listed at $200,000 (about $214/sqft), 58 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $178 monthly.

From the listing

Leave the Snow Behind & Make Florida Your Winter Getaway! Imagine escaping the cold and spending your winters surrounded by sunshine, sparkling water, boating, fishing, and Florida’s famous outdoor lifestyle. This charming furnished 2-bedroom, 2-bath cottage is nestled in the desirable gated Shelter Cove Resort along the scenic southern shore of Lake Center—part of the beautiful Alligator Chain of Lakes. This is more than a cottage—it’s your opportunity to have your own Florida retreat with your dock and boat slip, giving you easy access to the water whenever you're ready for a day of fishing, boating, or simply enjoying the peaceful lakefront lifestyle. Fish from your own dock or sail away by having the convenient access to Lake Center and the Alligator Chain of Lakes right from your back yard. Community amenities include: Gated, resort-style community with beautiful wooded areas, wetlands, and lakefront surroundings Community pool, golf cart-friendly roads/trails, social activities, and recreational opportunities Perfect as a snowbird winter retreat, vacation home, investment property, or full-time Florida residence Just 4 miles to Publix, Winn-Dixie, Walgreens, and everyday conveniences New Walmart being built around the corner, restaurants, and shopping in St. Cloud About 40 minutes to Melbourne and Cocoa Beach Conveniently located near Central Florida’s world-famous attractions, including Walt Disney World, Universal Studios, and SeaWorld Winter Somewhere Warm! Why spend another winter shoveling snow when you could be sitting on your dock with a fishing pole, watching a rocket launch across the Florida sky, or enjoying a sunset cruise from your own boat slip? Spend your days on the water and your evenings enjoying the relaxed atmosphere of Shelter Cove. And when you're ready for some excitement, Central Florida’s theme parks, entertainment, dining, shopping, and attractions are all within easy reach. Whether you’re looking for a snowbird escape, a waterfront vacation home, or your own affordable slice of the Florida lifestyle, this charming cottage offers an incredible opportunity to enjoy the best of lake living and Central Florida. Leave the snow behind. Bring your boat, your fishing pole, and your flip-flops—and start enjoying Florida! Schedule your private tour today and discover your new winter getaway!

The essentials

Built
2004
Price / sqft
$214
On market
58 days
Annual tax
$1,909
HOA
$178/mo
Flood zone
AE
Lot
3,006 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2004
Waterfront
Canal - Freshwater
Community pool
Fitness center too
3,006 sqft lot
Lot size
935 sqft
Living area

Payment

Est. monthly payment
$1,480/mo
Down payment (20%)
$40,000
Property taxes
$159/mo
HOA
$178/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2004
Lot
3,006 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central
Parking
-
Waterfront
Canal - Freshwater
Days on Market
58
Ceiling Fans(s)
Thermostat
Window Treatments
Private Yard
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Dryer
Ice Maker
Range
Refrigerator
Washer
Flood Zone AE
Annual Tax (2025)
$1,909
Parcel #
34-25-31-4987-0001-0778

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
3,006 sqft
In County
HOA
$178/mo
Sentry Management/Bridgette Shearin

Price history

Date
Event
Price
8/18/2026
Listed for sale
Source: Stellar MLS #S5155805
$200,000
$214/sqft

Neighborhood

1405 Starboard Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $200,000
$200,000
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 470 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 58.

Sample: 470 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
$1,480/mo
Principal & interest$1,043
Property taxes$159
Insurance$100
HOA$178
Down payment20% · $40,000
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

$200,000

$214 per sq ft

Beds and baths

2 beds, 2 baths

Size

935 sq ft

Time on market

58 days

Year built

2004

Monthly payment

About $1,480/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,909 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.

Offer

What should I offer?

Have another question?

Brokered byST. CLOUD REAL ESTATEListing agent: Kim DavidsonListing data from Stellar MLS, MLS# S5155805.

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