1359 Shipwreck Ln, photo 1
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Overview

1 bd1 ba402 sqftManufactured Home
TypeManufactured Home
HOA$178/mo
Built1995
Lot2,570 sqft
Living area402 sqft
Price / sqft$311

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

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboCommunity MailboxDeed RestrictionsFitness CenterGated Community - No GuardGolf Carts OK

1359 Shipwreck Ln is a 1995-built home in Shelter Cove, St Cloud. Inside you'll find 1 bedrooms, 1 bathrooms, and 402 square feet of living space. Listed at $125,000 (about $311/sqft), 46 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $178 monthly.

From the listing

Looking for the perfect Florida winter getaway or looking to downsize and live a little smaller? This adorable cottage in the gated Shelter Cove Resort offers the relaxed Florida lifestyle you’ve been dreaming about—without giving up comfort, privacy, or outdoor living. This charming 1-bedroom, 1-bath cottage is tucked away in a peaceful setting within this beautiful lakefront community on Lake Center, part of the Alligator Chain of Lakes. And one of the best features is the large screened-in porch—the perfect place to sip your morning coffee, enjoy an afternoon cocktail, read a book, or simply relax and take in the peaceful surroundings. Step outside to your private backyard, offering a wonderful outdoor space for entertaining, gardening, grilling, or simply enjoying the Florida sunshine. The screened porch and private yard create an inviting extension of the living space and make outdoor living easy. ** FLORIDA LIVING AT ITS BEST** Shelter Cove RV Resort community has 150 acres to enjoy, offers a unique combination of lakefront living, wooded walking trails, golf cart friendly, and a relaxed resort atmosphere. Bring your boat and fishing gear and enjoy access to the beautiful Alligator Chain of Lakes, or spend your days relaxing around the community pool and enjoying the friendly, social atmosphere. Features include: Charming 1-bedroom, 1-bath cottage Large screened-in porch—ideal for year-round outdoor living Private backyard for added peace and privacy Located in a gated lakefront community Access to the scenic Alligator Chain of Lakes Community pool and recreational amenities Golf-cart-friendly community Beautiful wooded and natural surroundings Ideal snowbird retreat, vacation home, investment property, or full-time residence And when you're ready to explore, you're conveniently located near shopping, restaurants, beaches, and Central Florida's world-famous attractions. Publix, Winn-Dixie, Walgreens and everyday conveniences are a few miles away, while Walmart, restaurants and additional shopping are only a few miles away. Cocoa Beach and Melbourne are approximately 40 minutes away, and Disney, Universal Studios and SeaWorld are all within easy reach. TRADE SNOW FOR SUNSHINE! Imagine spending your winters in Florida instead of shoveling snow—morning coffee on your screened porch, afternoons by the lake, fishing, boating, and evenings enjoying the beautiful Florida weather. Whether you're searching for an affordable snowbird escape or your own little piece of Florida paradise, this cute cottage offers the opportunity to enjoy the laid-back lake lifestyle you've been looking for. Pack your flip-flops, leave the snow behind, and start enjoying Florida! Schedule your private showing today!

The essentials

Built
1995
Price / sqft
$311
On market
46 days
Annual tax
$936
HOA
$178/mo
Flood zone
AE
Lot
2,570 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 1995
Community pool
Fitness center too
2,570 sqft lot
Lot size
402 sqft
Living area

Payment

Est. monthly payment
$971/mo
Down payment (20%)
$25,000
Property taxes
$78/mo
HOA
$178/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
1995
Lot
2,570 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central, Ductless
Parking
-
Days on Market
46
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$936
Parcel #
34-25-31-4987-0001-0361

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
2,570 sqft
HOA
$178/mo
Sentry Management /Bridgette Shearin

Price history

Date
Event
Price
9/1/2026
Listed for sale
Source: Stellar MLS #S5156738
$125,000
$311/sqft

Neighborhood

1359 Shipwreck Ln
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $125,000
$124,000 – $125,000
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 469 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 46.

Sample: 469 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
$970/mo
Principal & interest$652
Property taxes$78
Insurance$63
HOA$178
Down payment20% · $25,000
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

$125,000

$311 per sq ft

Beds and baths

1 beds, 1 baths

Size

402 sq ft

Time on market

46 days

Year built

1995

Monthly payment

About $971/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $936 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# S5156738.

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