Shelter Cove
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, SHELTER COVE in ST CLOUD, FL has 1 home for sale. Over the 12 months ending 2026-08-02, 4 recorded sales closed at a median of $142,500, $182 per square foot, a median 47 days on market, sellers accepting 89% of original asking. Homes listed or recently sold were built 1986 - 2018; 7 of 7 report an HOA (median $178/mo); 6 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 $2,170 ($1,570 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 2026-09-02, 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
🔴 Seller-leaning market. 2.4 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.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 August 2, 2026. Confidence: Low (1 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 2, 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 August 2, 2026): the median sale price is about $142K ($182 per sq ft over the trailing 12 months of closed sales), a median 47 days on market for closed sales, and 2.4 months of supply, a seller-leaning market.
Shelter Cove is a community of 49 homes in ST CLOUD, Osceola County, built between 1974 and 2022 (median 1999), with a median living area of about 502 square feet. 23% 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
Shelter Cove
Shelter Cove
Shelter Cove
Shelter Cove
Shelter Cove
Shelter CovePrice History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($142K) IS the median in the snapshot above.
Windows contain 2 to 4 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Deemed reliable but not guaranteed.
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.
SHELTER COVE Market Scorecard
SHELTER COVE is currently a buyer's market. About 9.0 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.
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 August 2026 through August 2026. 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 $182 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 2.4 months of supply, a seller-leaning market. Homes that do trade take a median 47 days on market, useful leverage on any listing that has lingered.
The housing stock is 49 homes built between 1974 and 2022, and 23% 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 3 factors (4.1). Basis: Liquidity & Demand 2.4 months of supply; Owner Commitment 23% owner-occupied; Pricing Power 88.6% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 →
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?
Do cash buyers compete in Shelter Cove?
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?
Nearby Communities
Explore more neighborhoods near Shelter Cove with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| 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 your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
See how SHELTER COVE fits the bigger picture — live prices, inventory, and Momentum Scores: