1405 STARBOARD DRIVE, ST CLOUD, FL, 34771
Active53 days on marketListed Aug 18, 2026MLS #S5155805
About this home
1405 STARBOARD DRIVE
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!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
935
Sqft
0.07 ac
Lot size
2004
Year built
One
Levels
$214
Per sqft
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.
$1,763 /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
$1,763/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+17.5%
$/sqft vs St Cloud actives
$214 vs $212
Days on market
53 vs 65 typical
Where $214/sqft sits among the 399 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
228 of 399
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% 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 1405 STARBOARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Mar ’26$125,000
1401 STARBOARD DRIVE · same community
2 bd · 2 ba · 830 sqft · $151/sqft · 21 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 1405 STARBOARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1405 STARBOARD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1405 STARBOARD DRIVE FAQs
What would the monthly payment be for 1405 STARBOARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,763/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 1405 STARBOARD DRIVE?+
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 1405 STARBOARD DRIVE?+
The most recent tax bill on record (2025) was $1,909. 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 1405 STARBOARD DRIVE?+
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 $200,000, this home is listed about 53% 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 1405 STARBOARD DRIVE?+
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 #S5155805.
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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