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    Waterfront Lot on Canal to Lake Title is generated by Realmo AI

    1305 PINE ISLAND DRIVE N, Saint Cloud, FL 34771

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    For Sale
    $95,000

    Vacant waterfront lot with utilities, access to Alligator Chain.

    Type:Land or Vacant Lot
    Lot size:
    0.07 Acres
    Added:
    Feb 21, 2026
    Days on Market:
    104
    Last Refresh:
    Apr 5 at 11:07 pm

    Property Features for 1305 PINE ISLAND DRIVE N

    General Information

    Standard status
    Active
    Lot size
    0.07 Acres
    Property subtype
    Land or Vacant Lot

    We can help!

    Listing Contact
    DON RUIZZO

    Listing agent DON RUIZZO License #676753

    Listing office ASSIST 2 SELL ACE FULL SERVICE REALTY

    Listing date Feb 21, 2026

    Source Corcoran

    Displayed information is deemed reliable but is not guaranteed and should be independently verified.

    All listing content including descriptions, pricing, images are the copyrighted material of ASSIST 2 SELL ACE FULL SERVICE REALTY

    HighLights

    • Waterfront lot on a canal with direct access to Lake Center and the Alligator Chain of Lakes.
    • Utilities (electric, water, sewer) are already in place on the paved lot, ready for RV setup.
    • Access to Shelter Cove resort RV community amenities: pool, clubhouse, laundry, horseshoe courts, walking and golf cart trails.
    • HOA fee of $178/month includes all amenities, sewer, water, and trash fees.
    • Located in St. Cloud, Florida, with convenient access to shopping (Publix, Winn Dixie, Walgreens, Walmart) and restaurants.
    • Ideal location for snowbirds, boaters, and fishermen seeking a nature‑oriented lifestyle.

    Overview

    This is a waterfront vacant lot measuring 50 ft by 66 ft, situated on a canal that provides access to Lake Center. The lot is paved and equipped with electric, water, and sewer connections. Shelter Cove, an RV resort community located east of St. Cloud, lies on the southern shore of Lake Center, a 400-acre lake that is part of the Alligator Chain of Lakes. Residents can utilize amenities such as a community pool, clubhouse, laundry facilities, horseshoe courts, and walking and golf cart trails. The Homeowners Association (HOA) fee is $178 per month, covering all amenities, including sewer, water, and trash services. A four-mile trip from the Resort provides access to Publix, Winn Dixie, Walgreens, and two banks. A Super WalMart is approximately seven miles away in central St. Cloud, which offers a variety of restaurants and stores.
    Property Profile Location Intelligence

    Current Use by Public Records

    Waterfront Land

    Suggested Use

    Real Estate Agency Gym & Fitness Center HVAC Service Travel Agency Cosmetic Store (Bike/Boat/Book/etc) Store

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Saint Cloud
    County
    Osceola
    State
    Florida
    Longitude
    -81.1949
    Latitude
    28.2732

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    FAQs

    What type of property is this?
    Waterfront Land - Vacant waterfront lot with utilities, access to Alligator Chain.
    Where is this waterfront land located?
    The property is located at 1305 PINE ISLAND DRIVE N Saint Cloud, FL.
    What is the asking price?
    The asking price for this property is $95,000.
    What are key features of this property?
    This property features: Waterfront lot on a canal with **direct access to Lake Center and the Alligator Chain of Lakes.**; Utilities (electric, water, sewer) are already in place on the paved lot, ready for RV setup.; Access to Shelter Cove resort RV community amenities: **pool, clubhouse, laundry, horseshoe courts, walking and golf cart trails.**
    (407) 892-1001
    We can help!
    Listing Contact
    DON RUIZZO
    Real Estate License ID: 676753
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

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