Cross Creek vs Lakes at Bella Lago
Two Clay communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-10-09.
| Metric | Cross Creek | Lakes at Bella Lago |
|---|---|---|
| Median sale price | $318K | $356K |
| Price per sq ft | $169 | $165 |
| Avg days on market | 124 days | 37 days |
| Months of supply | 6.5 mo | 4.2 mo |
| Market | Buyer's Market | Balanced Market |
| 1-year price change | -3% | +8% |
| Recent closings | 50 | 46 |
The verdict
Lakes at Bella Lago carries the higher median price — about 12% above Cross Creek. Homes in Lakes at Bella Lago sell faster (37 days on market vs 124). Lakes at Bella Lago is the tighter market on inventory (4.2 months of supply).
Where each one is
Cross Creek and Lakes at Bella Lago are about 13 miles apart (straight-line, center to center), in Duval and Clay counties.
| Cross Creek | Lakes at Bella Lago | |
|---|---|---|
| County | Duval County, FL | Clay County, FL |
| City / area | Jacksonville | Green Cove Springs |
| ZIP | 32086, 32223 | 32043 |
| Straight-line to downtown Jacksonville | 13 mi | 22 mi |
| Nearest Atlantic beach | 14 mi, Ponte Vedra Beach | 27 mi, Mickler's Landing (Ponte Vedra) |
| FEMA flood zones (sampled parcels) | all 40 sampled homes outside a flood zone | all 24 sampled homes outside a flood zone |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Cross Creek | Lakes at Bella Lago | |
|---|---|---|
| Homes for sale now | 27 | 16 |
| Under contract | 7 | 10 |
| Asking prices today | $200K to $460K | $295K to $395K |
| Listed in the last 7 days | 0 | 14 |
| Property types listed | Single Family Residence | Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Cross Creek homes for sale · Lakes at Bella Lago homes for sale.
The homes themselves
| Cross Creek | Lakes at Bella Lago | |
|---|---|---|
| Homes (parcels) | n/a | 88 |
| Built | n/a | 2024–2024 (median 2024) |
| Typical living area | n/a | 1,844 sq ft |
| Vacant lots | 0 | 122 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Schools the listings are zoned for
| Cross Creek | Lakes at Bella Lago | |
|---|---|---|
| Elementary | Rideout | Lake Asbury |
| Middle | Lake Asbury | Lake Asbury |
| High school | Clay | Clay |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Momentum Realty agents have closed 1 home in Cross Creek and 0 in Lakes at Bella Lago (brokerage records, both sides counted once). Find an agent who works Cross Creek · Lakes at Bella Lago.
Which one fits
On budget alone, Cross Creek is the lower entry point (median $318K vs $356K). Sellers get a faster sale in Lakes at Bella Lago (37 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Lakes at Bella Lago more expensive than Cross Creek?
Yes, on recent sales: the median sale price in Lakes at Bella Lago is $356,000 versus $318,000 in Cross Creek, about 12% higher.
Are Cross Creek and Lakes at Bella Lago in the same county?
No. Cross Creek is in Duval County and Lakes at Bella Lago is in Clay County; property-tax rates, school districts and permitting differ between the two.
What high schools serve Cross Creek and Lakes at Bella Lago?
Listings in Cross Creek most often report Clay; listings in Lakes at Bella Lago report Clay. Zoning is set by the district and can change - verify by address.
Go deeper on each: Cross Creek homes, photos & schools · Lakes at Bella Lago homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.