1310 PINE ISLAND DRIVE N, ST CLOUD, FL, 34771
Active70 days on marketListed May 15, 2026MLS #S5149999
About this home
1310 PINE ISLAND DRIVE N
RV Lot for Sale in Shelter Cove Resort Condominium – St. Cloud, Florida Escape to sunny Central Florida and enjoy the perfect seasonal retreat in the highly sought-after Shelter Cove Resort Condominium. This premium fully concreted RV lot is located on the peaceful south shore of Lake Center and is designed for comfort, convenience, and easy outdoor living. Featuring a private storage building , fully concreted this property is ideal for snowbirds, weekend travelers, and full-time RV enthusiasts looking for a warm Florida getaway. Or you can put your own little park model cottage on the lot. Property Highlights • Lake access to the beautiful Alligator Chain of Lakes • Fully concreted site for low maintenance and easy RV parking • Private storage building included • Located inside a gated RV resort condominium community • Community clubhouse with social activities and events • Heated community pool perfect for year-round enjoyment • Golf cart friendly community • Boat storage available • Scenic wooded trails to enjoy Florida wildlife and nature Perfect for Snowbirds Spend your winters in Florida sunshine while enjoying a relaxed resort lifestyle surrounded by friendly neighbors and endless outdoor recreation. Shelter Cove is known for its welcoming seasonal community atmosphere, making it easy to meet fellow RV owners and snowbirds from across the country. Enjoy: • Warm Florida winters and beautiful lakefront sunsets • Active social events and community gatherings • Convenient access to shopping, dining, healthcare, and entertainment • Easy “lock-and-leave” ownership for seasonal travelers Watch Florida Space Rocket Launches from the Community One of the most unique features of this location is the opportunity to view spectacular Florida space rocket launches right from the community. With Florida’s Space Coast located less than an hour away, residents often enjoy breathtaking nighttime and daytime rocket launches visible from Shelter Cove — an unforgettable experience for guests, family, and friends. A Boater & Nature Lover’s Paradise Nestled along the shores of Lake Center — a 400-acre lake connected to the famous Alligator Chain of Lakes — Shelter Cove offers endless opportunities for: • Freshwater fishing • Boating and sunset cruises • Water skiing and water sports • Wildlife watching and peaceful nature walks The resort spans 154 beautiful acres, including: • 97 acres of wooded natural surroundings • 25 acres of protected wetlands • Only 235 lots for a peaceful, uncrowded atmosphere Prime Central Florida Location Enjoy the perfect balance of secluded waterfront living and convenient access to everything Central Florida. Located just minutes from: • Publix, Winn-Dixie, Walgreens, banks, and restaurants • Super Walmart in central St. Cloud • Orlando International Airport • Disney attractions, Orlando, and The Loop shopping district • Approximately 40 minutes to Cocoa Beach and Melbourne Beach • Easy access to Florida’s Space Coast and cruise ports Your Florida RV Lifestyle Awaits Whether you're searching for a seasonal snowbird retreat, a full-time RV lifestyle, or an investment property, this rare lot offers an exceptional opportunity to enjoy Florida living at its finest. Bring your RV, your boat, and your love for the outdoors — and enjoy warm winter sunshine, and unforgettable rocket launches from beautiful Shelter Cove.
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.
$889 /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
$889/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
$414K → $400K
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 81% 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 1310 PINE ISLAND DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$80,000
1370 SHIPWRECK LANE · same community
1 bd · 1 ba · 384 sqft · $208/sqft · 15 DOM
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
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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1310 PINE ISLAND DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1310 PINE ISLAND DRIVE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
1310 PINE ISLAND DRIVE N FAQs
What would the monthly payment be for 1310 PINE ISLAND DRIVE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $889/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 1310 PINE ISLAND DRIVE N?+
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 1310 PINE ISLAND DRIVE N?+
The most recent tax bill on record (2025) was $532. 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 1310 PINE ISLAND DRIVE N?+
The listing reports pets: Breed Restrictions. 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 $80,000, this home is listed about 81% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1310 PINE ISLAND DRIVE N?+
Lakeview 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 #S5149999.
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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