1359 Shipwreck Lane, FL1359 Shipwreck Lane, FL1359 Shipwreck Lane, FL
Stellar MLS
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$125,000

1359 Shipwreck Lane

St Cloud, FL 34771

Listing updated: September 3, 2026 at 7:12 PM ET

Active
Stellar MLSListing courtesy of St. Cloud Real Estate · Kim Davidson · MLS #S5156738 · Active · 407-892-1920
1
Bed
1
Bath
402
Sq Ft
0.06
Acres
1995
Built
$311/sqft360° tour
Manufactured Home

Property type

1995

Year built

2,570 sqft

Lot size

$311

Price / sq ft

$178/mo

HOA dues

2

Days on market

AE

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

Principal & interest$632
Property taxes$78
Home insurance (est.)$57
HOA dues$178

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

  1. Status: Active
    Sep 1, 2026
  2. Listed$125,000
    Sep 1, 2026
  3. 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

RoomLevelDimensions
Living RoomFirst12x11
Primary BedroomFirst9x8
Balcony/Porch/LanaiFirst32x12
KitchenFirst12x6
Bathroom 1First5x5

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

High riskFEMA Zone AEPanel 12097C0115G

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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MLS GRID

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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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