Shelter Cove
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Shelter Cove in St Cloud, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $160,000, $172 per square foot, a median 73 days on market, sellers accepting 83% of original asking (+100% versus the prior year). Homes listed or recently sold were built 1987 - 2018; 6 of 6 report an HOA (median $178/mo); 5 of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 65 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $2,440 ($1,840 with the full homestead exemption).
Homes For Sale Right Now in Shelter Cove
Live MLS inventory for Shelter Cove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Shelter Cove listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
Shelter Cove right now
🟢 Buyer-leaning market. 9.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($160K) is up 100.0% from the prior 12 months ($80K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Low (3 and 3 sales in the two windows).
What's unique here: the median sale price is about 59% below the typical Osceola County sale ($160K vs $392K, trailing 12 months, Stellar MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Shelter Cove market snapshot (as of September 12, 2026): the median sale price is about $160K ($172 per sq ft over the trailing 12 months of closed sales), a median 73 days on market for closed sales, and 9.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 100% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34771 (St Cloud), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
Shelter Cove is a community of 41 homes in St Cloud, Osceola County, built between 1974 and 2021 (median 1999), with a median living area of about 502 square feet. 24% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Shelter Cove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Shelter CovePhotos from Stellar MLS listings in Shelter Cove; content deemed reliable but not guaranteed.
Shelter Cove on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Shelter Cove
- Clubhouse · reported on 4 of 4 listings
- Pool · reported on 4 of 4 listings
- Shuffleboard Court · reported on 4 of 4 listings
- Gated Community - No Guard · reported on 4 of 4 listings
- Golf Carts OK · reported on 4 of 4 listings
- Gated · reported on 3 of 4 listings
- Laundry · reported on 3 of 4 listings
- Trail(s) · reported on 3 of 4 listings
- Community Mailbox · reported on 2 of 4 listings
- Fitness Center · reported on 2 of 4 listings
- Buyer Approval Required · reported on 1 of 4 listings
- Recreation Facilities · reported on 1 of 4 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Shelter Cove buying strategy.
If we were buying in Shelter Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Shelter Cove.
A closer look at the Shelter Cove market
At a median of $172 per square foot, Shelter Cove prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 9.0 months of supply, a buyer-leaning market and the trailing-12-month median up 100% year over year. Homes that do trade take a median 73 days on market, useful leverage on any listing that has lingered.
The housing stock is 41 homes built between 1974 and 2021, and 24% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Shelter Cove. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Shelter Cove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (3.4). Basis: Recent Direction +100.0% year-over-year; Liquidity & Demand 9.0 months of supply; Owner Commitment 24% owner-occupied; Pricing Power 83.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Shelter CoveHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $178/month across 194 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2004 across 6 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Shelter CoveHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Shelter CoveHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Shelter CoveHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $178/month (about $2,136/yr) · median of 194 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $178 per month ($2,136 a year) - the median AssociationFee across 194 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Shelter Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Shelter Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Shelter Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Shelter Cove home worth?
Get a no-obligation home value based on real comparable sales in Shelter Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Shelter Cove on the map →
Housing distress & ownership in SHELTER COVE, St Cloud
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Just listed in Shelter Cove
The newest homes for sale in Shelter Cove right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1359 Shipwreck Lane $125,000 · 1 bd · 1 ba · 402 sq ft · 2 days on market Courtesy of ST. CLOUD REAL ESTATE
- 1405 Starboard Drive $200,000 · 2 bd · 2 ba · 935 sq ft · 13 days on market Courtesy of ST. CLOUD REAL ESTATE
- 1315 Pine Island Dr N $355,000 · 1 bd · 1.5 ba · 521 sq ft · 183 days on market Courtesy of TIE TEAM REALTY LLC
Checked against the MLS Oct 18, 2026. All new listings in this market.
Every Home for Sale in Shelter Cove St Cloud Right Now (3)
All 3 active and pending Shelter Cove St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1359 Shipwreck Lane · $125,000 · 1 bd / 1 ba · listed Sep 8, 2026 · listed by St. Cloud Real Estate
- 1405 Starboard Drive · $200,000 · 2 bd / 2 ba · listed Aug 28, 2026 · listed by St. Cloud Real Estate
- 1315 Pine Island Dr N · $355,000 · 1 bd / 1.5 ba · listed Jul 16, 2026 · listed by Tie Team Realty Llc
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The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
31% of homes for sale in ZIP 34771 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-18).
SHELTER COVE Market Scorecard
SHELTER COVE is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $200,000, and homes go under contract in about 13 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Shelter Cove Homes for Sale in St year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
What is the median home price in Shelter Cove?
How long do homes in Shelter Cove take to sell?
Is Shelter Cove a buyer's or seller's market right now?
How many homes are in Shelter Cove?
What share of Shelter Cove is owner-occupied?
When were the homes in Shelter Cove built?
Who is the best real estate agent for Shelter Cove?
How do I find a top St Cloud real estate agent who knows Shelter Cove?
Can Momentum Realty connect me with an agent for Shelter Cove?
Where is Shelter Cove, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2024 (8 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Shelter Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
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