1389 SHIPWRECK LANE, ST CLOUD, FL, 34771
Active53 days on marketListed Aug 18, 2026MLS #S5155800
About this home
1389 SHIPWRECK LANE
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.
Facts & features
The home at a glance
0.06 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$928 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$928/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1389 SHIPWRECK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$125,000
1401 STARBOARD DRIVE · same community
2 bd · 2 ba · 830 sqft · $151/sqft · 21 DOM
Sold · Apr ’26$160,000
1385 PINE ISLAND DRIVE S · same community
1 bd · 2 ba · 929 sqft · $172/sqft · 295 DOM
Sold · Jun ’26$190,000
6194 PARKWAY E · same community
2 bd · 1.5 ba · 992 sqft · $192/sqft · 73 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1389 SHIPWRECK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1389 SHIPWRECK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1389 SHIPWRECK LANE FAQs
What would the monthly payment be for 1389 SHIPWRECK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $928/mo — principal and interest, the actual property-tax bill, the $178/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1389 SHIPWRECK LANE?+
The association fee works out to $178 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1389 SHIPWRECK LANE?+
The most recent tax bill on record (2025) was $627. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1389 SHIPWRECK LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $85,000, this home is listed about 80% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1389 SHIPWRECK LANE?+
Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ST. CLOUD REAL ESTATE · Kim Davidson. MLS #S5155800.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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