Momentum Housing Data · Home Values · Walton County

CROSS CREEK Home Values: What Homes Actually Sell For

Buying here? See Cross Creek homes for sale and the Cross Creek community guide (Freeport).

CROSS CREEK (Freeport, FL): 22 recorded closings in the 12 months ending 2026-07-25, a 6-year price record, and the year-by-year record — every number from recorded MLS closings, none from an estimate model.

In the current window, sellers accepted a median 97.8% of original asking; the median sale took 44 days (window ending 2026-07-25).

The 6-year recorded price history

Over the recorded series, CROSS CREEK’s median sold price moved from $207,990 (2017) to $329,245 (12 months ending 2026-07-25) — +58% over that span, with every year’s figure from recorded closings, not a model.

The last decade in CROSS CREEK, briefly

The recorded series starts in 2017 at $207,990. Against the 2023 peak of $374,995, the current median stands at -12%. Annual sales volume here has ranged from 0 to 22 closings a year (10-yr average 7.2). With roughly 7.2 closings a year, CROSS CREEK’s medians move in steps, not curves — a handful of unusual sales can swing a year, which is why the sales count sits next to every figure above.

What actually trades here: 97% detached single-family, 1% condominium, 1% townhouse in the current window.

The CROSS CREEK housing stock, from the live feed

From the live MLS feed as of 2026-07-25: The homes listed or recently sold were built between 2025 and 2026 (median 2026), 4 of them new construction; none of the 4 geocoded listed or recently sold homes sits in a FEMA special flood hazard zone (median elevation 60 ft). See the current CROSS CREEK listings →

At CROSS CREEK’s $329,245 median and Walton County’s adopted 9.758 mills (FY2025-26), a home assessed at that price carries roughly $3,210 a year in property tax before exemptions, or about $2,830 with the full Florida homestead exemption — a buyer’s first-year figure; a long-time owner’s Save Our Homes cap can be far lower, which is one reason resale taxes jump at closing. Municipal and special-district millage varies inside the county; see the Walton County tax page.

Selling in CROSS CREEK right now: what the record says

Current asking prices run a median $339,990 against the $329,245 recorded sold median (+3%) — the gap between what sellers hope and what the record shows.

Cash bought 0% of recorded CROSS CREEK sales in the window ending 2026-07 (0 of 22) — a fact worth knowing before assuming every buyer needs an appraisal to close. Asking and recorded sold prices are within a few percent of each other here, so the table above is close to what a CROSS CREEK buyer will actually pay; the spread on any single home comes down to size, condition and timing.

How CROSS CREEK compares with its neighbors

Communities buyers shopping CROSS CREEK are also weighing (nearest by map distance), each on its own recorded 12-month closings. A median well above the neighbors is a ceiling to price against; well below is where the value argument lives.

More CROSS CREEK: full community guide & homes for sale · choosing an agent here · should you sell now (statewide data) · what selling costs · cash offer vs. listing

Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Compiled from recorded MLS closings; deemed reliable but not guaranteed. Figures are medians for the stated windows and change as new sales record; individual homes vary widely. No automated valuation for any specific property appears on this page. Equal Housing Opportunity. © 2026 Move With Momentum LLC — brokerage licensed in FL and GA. Disclosures