


$125,000
1359 Shipwreck Lane
St Cloud, FL 34771
Listing updated: September 3, 2026 at 7:12 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
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!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history2 days on market
- Status: ActiveSep 1, 2026
- Listed$125,000Sep 1, 2026
- Price increased$125,000
Facts & features
- Property type
- Residential
- Sub type
- Manufactured Home
- Status
- Active
- Days on market
- 2
- Subdivision
- Shelter Cove
- County
- Osceola
- Year built
- 1995
- Living area
- 402 sq ft
- Price/sq ft
- $311
- Lot size
- 2,570 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12097C0115G)
- Annual taxes
- $936 (2025)
- Parcel #
- 34-25-31-4987-0001-0361
- Zoning
- OPUD
- MLS #
- S5156738
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Interior Details
- Bedrooms
- 1
- Full bathrooms
- 1
- Flooring
- Laminate
- Appliances
- Electric Water Heater, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo
- Laundry
- Other
- Stories / Levels
- One
- Direction faces
- Northeast
Heating & Cooling
- Heating
- Central, Ductless
- Cooling
- Central Air, Wall/Window Unit(s)
HOA & Financial
- HOA fee
- $178 / Monthly
- Monthly HOA
- $178/mo
- Total monthly fees
- $178/mo
- Total annual fees
- $2,136
- HOA name
- Sentry Management /Bridgette Shearin
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 7 Months
- Listing terms
- Cash
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Tenants must complete background check and be approved prior to owner leasing property.
- Approval process
- See approval process on community website or reach out to Sentry Management
Exterior & Construction
- Construction materials
- Vinyl Siding, Frame
- Roof
- Shingle
- Foundation
- Block
- Road surface
- Paved
Utilities
- Sewer
- Private Sewer
- Water source
- Private
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Sewer Connected, Water Connected
Community
- Pets allowed
- Breed Restrictions
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 12x11 |
| Primary Bedroom | First | 9x8 |
| Balcony/Porch/Lanai | First | 32x12 |
| Kitchen | First | 12x6 |
| Bathroom 1 | First | 5x5 |
Listing Details
- Listing date
- 2026-09-01
- On market date
- 2026-09-01
- Original list price
- $125,000
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Osceola
- Status changed
- 2026-09-01
- Tax legal description
- SHELTER COVE RESORT COND CB 1 PG 20 LOT 361
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
HWY 192 to Nova Rd- Drive 7 miles -turn left into Shelter Cove Community- turn left on Pine Island N- Right on Shipwreck
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of September 3, 2026 at 7:12 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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