Cross Creek Estates
Homes for Sale in Freeport, FL
All 379 homes for sale in Freeport, FL · median $428,000 · 373 homes for sale in 32439 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $355,000, a median 33 days on market, sellers accepting 99% of original asking (-1% versus the prior year). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $3,460 ($3,080 with the full homestead exemption).
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 131 (FL DOR 2025 assessment roll) |
| Years built | 2014–2022 (median 2020.0) |
| Typical living area | 2,012 sq ft (median) |
| Amenities listed by sellers | Playground, Pool |
| Sale prices, last 12 months | $355,000 median across 3 closed sales · -0.8% vs the prior 12 months |
| Days on market (closed sales) | 33 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 59% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cross Creek Estates key facts,” movewithmomentum.com/neighborhoods/cross-creek-estates, data as of September 20, 2026.
Last 30 days in Cross Creek Estates: 1 closed sale (median $390,000). As of September 26, 2026, Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.
Cross Creek Estates right now
🟡 Off the recent peak. The trailing-12-month median ($355K) is down 0.8% from the prior 12 months ($358K). With about 6 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 Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Cross Creek EstatesHomes for Sale in Freeport, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cross Creek Estates market snapshot (as of September 20, 2026): the median sale price is about $355K, and a median 33 days on market for closed sales. The trailing-12-month median is down 1% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (3 closings in the current window).
In ZIP 32439 (Freeport), 679 homes closed in the last 12 months at a median of $385K, down 3.3% year over year, with a median 70 days on market. Right now 301 active and 108 pending listings put supply at about 5.5 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
County records show 8 qualified sales in Cross Creek Estates across 2024–2025 (5 in 2024, 3 in 2025), median $354,900 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cross Creek Estates is a community of 131 homes in Freeport, Walton County, built between 2014 and 2022 (median 2020.0), with a median living area of about 2,012 square feet. 59% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($355K) IS the median in the snapshot above, and the move from 2025 ($358K) IS the -0.8% one-year change.
Windows contain 0 to 24 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
26% of homes for sale in ZIP 32439 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 (2026-09-20).
Cross Creek Estates Market Scorecard
Cross Creek Estates is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Cross Creek Estates, Freeport
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. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The Cross Creek Estates buying strategy.
If we were buying in Cross Creek Estates 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Cross Creek Estates.
A closer look at the Cross Creek Estates market
Homes in Cross Creek Estates trade around a median of $355K, where condition and lot do more to set the final number than the asking price does.
The trailing-12-month median down 1% year over year. Homes that do trade take a median 33 days on market, useful leverage on any listing that has lingered.
The housing stock is 131 homes built between 2014 and 2022, and 59% 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 Cross Creek Estates. 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 Cross Creek Estates 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 (6.9). Basis: Recent Direction -0.8% year-over-year; Owner Commitment 59% owner-occupied; Pricing Power 98.7% 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 Cross Creek Estates 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 Cross Creek Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cross Creek Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cross Creek Estates home worth?
Get a no-obligation home value based on real comparable sales in Cross Creek Estates, 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 all homes for sale in Freeport →
Recently off market in Cross Creek Estates
Homes in Cross Creek Estates that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 223 Partridge Lane · off market
Frequently Asked Questions
What is the median home price in Cross Creek Estates?
How long do homes in Cross Creek Estates take to sell?
How many homes are in Cross Creek Estates?
What share of Cross Creek Estates is owner-occupied?
When were the homes in Cross Creek Estates built?
Who is the best real estate agent for Cross Creek Estates?
How do I find a top Freeport real estate agent who knows Cross Creek Estates?
Can Momentum Realty connect me with an agent for Cross Creek Estates?
Where is Cross Creek Estates, and what county is it in?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (65 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 Emerald Coast 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 Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Cross Creek Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
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