Cross Creek Shores
Homes for Sale in Freeport, FL
All 379 homes for sale in Freeport, FL · median $428,000 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Cross Creek Shores in Freeport, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $699,899, a median 153 days on market, sellers accepting 92% of original asking. Homes listed or recently sold were built 2020–2026 with 4 new construction; 2 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $6,830 ($6,440 with the full homestead exemption).
| Location | Freeport, Walton County, FL · ZIP 32434, 32439 |
|---|---|
| Homes in the community | 7 (FL DOR 2025 assessment roll) |
| Years built | 2005–2024 (median 2018) |
| Typical living area | 2,635 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Deed Access |
| Sale prices, last 12 months | $699,899 median across 4 closed sales |
| Days on market (closed sales) | 153 median |
| For sale right now | 1 active, 1 pending · median asking $1,050,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 44% |
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 SHORES key facts,” movewithmomentum.com/neighborhoods/cross-creek-shores, data as of September 20, 2026.
Last 30 days in Cross Creek Shores: 1 under contract right now, 1 closed sale (median $439,000). As of September 25, 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 Shores right now
🟡 Balanced market. 3.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.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 Emerald Coast MLS records, as of September 20, 2026. Confidence: Medium (2 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 26, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cross Creek Shores market snapshot (as of September 20, 2026): the median sale price is about $700K, a median 153 days on market for closed sales, and 3.0 months of supply, a balanced market.
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.
Cross Creek Shores is a community of 7 homes in Freeport, Walton County, built between 2005 and 2024 (median 2018), with a median living area of about 2,635 square feet. 44% 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 Cross Creek Shores. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cross Creek Shores
Cross Creek Shores
Cross Creek Shores
Cross Creek Shores
Cross Creek Shores
Cross Creek ShoresPhotos from Emerald Coast MLS listings in Cross Creek Shores; content deemed reliable but not guaranteed.
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 ($700K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (4 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.
28% 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 (2026-09-24).
Cross Creek Shores Market Scorecard
Cross Creek Shores is currently a balanced market. About 3.0 months of supply, a median asking price of $1,050,000, and homes go under contract in about 82 days.
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 SHORES, 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.
Homes For Sale Right Now in Cross Creek Shores
Live MLS inventory for Cross Creek Shores. 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 Cross Creek Shores listings as of 2026-09-21, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Cross Creek Shores Right Now (2)
All 2 active and pending Cross Creek Shores listings with a detail page, newest first, refreshed twice a day from the MLS.
- 101 Island Grove Drive · $749,900 · 4 bd / 3.5 ba · pending · listed Sep 8, 2026 · listed by Coldwell Banker Realty
- 234 Island Grove Drive · $1,050,000 · 4 bd / 3.5 ba · listed Jun 30, 2026 · listed by By the Water Realty
Cross Creek Shores on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Freeport · Elementary
- Freeport · Middle
- Freeport · High
Zoned schools reflect the assignments reported on recent Cross Creek Shores listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cross Creek Shores address.
Shop the zone: Homes zoned for Freeport High School
The Cross Creek Shores buying strategy.
If we were buying in Cross Creek Shores 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 Shores.
A closer look at the Cross Creek Shores market
Homes in Cross Creek Shores trade around a median of $700K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 3.0 months of supply, a balanced market. Homes that do trade take a median 153 days on market, useful leverage on any listing that has lingered.
The housing stock is 7 homes built between 2005 and 2024, and 44% 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 Shores. 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 Shores 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 (5.4). Basis: Liquidity & Demand 3.0 months of supply; Owner Commitment 44% owner-occupied; Pricing Power 92.3% 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 Shores 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 Shores 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 Shores, 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 Shores home worth?
Get a no-obligation home value based on real comparable sales in Cross Creek Shores, 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 SHORES
Homes in CROSS CREEK SHORES 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. 2 on record.
- 393 Bayside Drive · off market
- 65 Island Grove Drive · off market
Frequently Asked Questions
What is the median home price in Cross Creek Shores?
How long do homes in Cross Creek Shores take to sell?
Is Cross Creek Shores a buyer's or seller's market right now?
How many homes are in Cross Creek Shores?
What share of Cross Creek Shores is owner-occupied?
When were the homes in Cross Creek Shores built?
Who is the best real estate agent for Cross Creek Shores?
How do I find a top Freeport real estate agent who knows Cross Creek Shores?
Can Momentum Realty connect me with an agent for Cross Creek Shores?
Where is Cross Creek Shores, and what county is it in?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 21, 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 (1 streets, ZIP 32434/32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (25 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.
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.
See how CROSS CREEK SHORES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cross Creek Shores with Momentum Realty’s local guides.