Aerial view of Cross Creek

Cross Creek
Homes for Sale in Callahan, FL

All 42 homes for sale in Callahan, FL · median $382,000 · 35 homes for sale in 32011 · Nassau County homes for sale

Community in Callahan · Nassau County · ZIP 32011
17 homesBuilt 1999–2003
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True comps, carrying-cost math, and listings before the portals.

Built fromLive realMLS data25 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, the MLS records 17 closed sales in Cross Creek in Callahan, FL since 2001, the most recent in December 2023. Across Callahan as a whole, 25 homes closed in the last 12 months at a median of $306,000, 42 median days on market, with 5 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $4,060 ($3,560 with the full homestead exemption).

Live · Cross Creek Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Ownership and context
76%
Owner-occupied · Cross Creek
13 of 17 parcels homesteaded (FL DOR 2025)
24%
Non-owner-occupied · Cross Creek
incl. 0% trust or LLC-held · 0% out-of-state
17
Homes in the community
17 residential parcels (FL DOR 2025)
Track record · 25 years of records
Est. 1999
Community established
homes built 1999-2003, median 2000 (FL DOR 2025)
Jon Brooks, founder of Momentum Realty
Jon's Current Read

The honest starting point on Cross Creek is that our current snapshot shows no closings in the measured window, which means there is no recent sold data to anchor a price read. Anything you hear about "the market here" right now is inference, not settled fact, and we would rather tell you that plainly than build a number out of thin air.

For a buyer, that thin data cuts both ways: less recent competition to react to, but also fewer comparable sales to negotiate against, so pricing leans harder on the individual home's condition and the broader Callahan and Nassau County context. For a seller, it means positioning matters more than following a comp trend that does not yet exist here.

Nearby homes for sale

No active listings inside Cross Creek 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.

44046 CROSS CREEK Boulevard
$330K · 0.1 mi away
4 bd · 2 ba · 1,944 sqft
44046 CROSS CREEK Boulevard
Listed by REAL BROKER LLC
54136 CHARLES Street
$180K · 0.7 mi away
3 bd · 2 ba · 1,254 sqft
54136 CHARLES Street
Listed by PALM III REALTY AND PROPERTY M
54207 CRAVEY Road
$300K · 0.8 mi away
3 bd · 2 ba · 1,152 sqft
54207 CRAVEY Road
Listed by KELLER WILLIAMS FIRST COAST REALTY
54341 PLANTATION Road
$399K · 0.9 mi away
3 bd · 2 ba · 1,859 sqft
54341 PLANTATION Road
Listed by FERNANDINA BEACH REALTY
54108 PELICAN Road
$300K · 1.0 mi away
3 bd · 2 ba · 2,048 sqft
54108 PELICAN Road
Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS
44286 MAPLEWOOD Court
$305K · 1.1 mi away
3 bd · 2 ba · 1,433 sqft
44286 MAPLEWOOD Court
Listed by BEYCOME OF FLORIDA LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Cross Creek sits in Callahan, in Nassau County, in the more rural northwest stretch of the Northeast Florida market rather than the coastal or urban core. It reads as a smaller, quieter community where individual home condition and lot do more of the pricing work than neighborhood-wide sales momentum.

realMLS (Northeast Florida) sales records identify 12 homes in Cross Creek that have changed hands since 2001, built between 1999 and 2003 (median 2000), with a median living area of about 1,680 sq ft and a typical 3-bedroom, 2-bath layout. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buyers prioritizing a rural, inland Nassau County setting over coastal or urban proximity
  • Buyers who plan to hold long term and are not counting on quick resale liquidity
  • Buyers comfortable valuing a home on its own condition and lot rather than on neighborhood sales momentum

Probably not for

  • Buyers who want a run of recent comparable sales to anchor their offer
  • Buyers needing short commutes to an urban core or walkable amenities
  • Buyers who expect fast turnover and easy resale in an active market

The market around Cross Creek

Cross Creek is too small for its own price trend, so here is the market around it.

In ZIP 32011, 51 homes are on the market and 37% are under contract — a fast-moving corner of Callahan.

Across Nassau County, 532 homes are active and 186 pending (26% under contract).

In ZIP 32011 (Callahan), 180 homes closed in the last 12 months at a median of $306K ($180/sq ft), down 2.8% year over year, with a median 40 days on market. Right now 9 active and 2 pending listings put supply at about 3.0 months — a balanced market. See the live ZIP 32011 housing market and the Nassau County market.

ZIP and county figures describe the wider market, not Cross Creek specifically. Momentum Research analysis of MLS records.

If we were buying in Cross Creek today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who want a rural Nassau County setting and are comfortable pricing off a specific home rather than a market trend.
Biggest Risk
Thin data — no recent closings means fewer comps to guide value or negotiation.
Sweet Spot
A well-maintained home where the property itself, not the neighborhood average, carries the value.
Avoid If
You need active comps, fast resale liquidity, or an urban, walkable location.

A thin-data community in rural Nassau

The defining feature of Cross Creek right now is not a statistic but the absence of one: with no closings in the window we are working from, there is no recent transaction trend to lean on. That is common in smaller communities where homes turn over infrequently, and it changes how you should approach both buying and selling here. You price and negotiate off the specific property in front of you, not off a running average.

Location does most of the qualitative heavy lifting. Callahan is inland Nassau County, which typically means more land, a more spread-out feel, and a commute orientation toward larger job centers rather than a walk-to-everything setup. If that rural posture fits your plans, the lack of frenzied recent activity can be an advantage; if you need active comps and quick liquidity, it is a caution.

“

The location and the amenities are priced into every listing in Cross Creek. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

When a community has no recent closings to cite, the value of local judgment goes up, not down. We work Nassau County directly, so instead of handing you a phantom average we build a price case from the home's condition, its lot, and comparable activity in the surrounding Callahan area. That is the difference between guessing and analyzing, and it is exactly the situation Cross Creek presents today.

Cross Creek in 15 seconds.

Best forBuyers who want a rural Nassau County setting and are comfortable pricing off a specific home rather than a market trend.
Biggest advantageLess recent competitive pressure and a condition-driven pricing conversation.
Biggest riskThin data — no recent closings means fewer comps to guide value or negotiation.
Sweet spotA well-maintained home where the property itself, not the neighborhood average, carries the value.
Avoid ifYou need active comps, fast resale liquidity, or an urban, walkable location.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Cross Creek homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Cross Creek.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cross Creek sales matched to your home.

What is your Cross Creek home worth?

Get a no-obligation home value based on real comparable sales in Cross Creek, 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 Callahan →

Real comps, not an automated estimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,866/mo
Nassau County typical true cost to own
$97/mo
Nassau County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Frequently Asked Questions

How many homes are in Cross Creek?
The Florida DOR 2025 assessment roll shows 17 homes in Cross Creek (public records).
What share of Cross Creek is owner-occupied?
76% of Cross Creek parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Cross Creek built?
Homes in Cross Creek were built between 1999 and 2003, with a median year built of 2000 (FL DOR 2025 roll).
Who is the best real estate agent for Cross Creek?
The best agent for Cross Creek is one who actively works Callahan and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cross Creek.
How do I find a top Callahan real estate agent who knows Cross Creek?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cross Creek and the wider Callahan area.
Can Momentum Realty connect me with an agent for Cross Creek?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cross Creek purchase or sale - no call center and no pressure.
Where is Cross Creek, and what county is it in?
Cross Creek is in Callahan, Nassau County, FL, ZIP 32011. The community's center is about 2 miles north of the center of Callahan (straight-line).
How far is Cross Creek from downtown Jacksonville and the beach?
About 16 miles from downtown Jacksonville and about 23 miles from the Atlantic beach at Amelia Island (south end), both straight-line; driving distance is usually 15 to 30 percent more.
Buyers prioritizing a rural, inland Nassau County setting over coastal or urban proximityExcellent fit
Buyers who plan to hold long term and are not counting on quick resale liquidityExcellent fit
Buyers comfortable valuing a home on its own condition and lot rather than on neighborhood sales momentumExcellent fit
Buyers who want a run of recent comparable sales to anchor their offerProbably not
Buyers needing short commutes to an urban core or walkable amenitiesProbably not
Buyers who expect fast turnover and easy resale in an active marketProbably not

Data sources & freshness

Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 32011))
Under-contract sharesrealMLS records, as of 2026-10-01
Historical depthClosed-sale records back to 2001 (17 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 realMLS 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 realMLS member average and 8 days faster, and we’ll price yours against live local comps.

Looking to buy here? Search homes for sale →

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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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CallFree valuation →
Thinking of selling in Cross Creek? See the Nassau County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Cross Creek with Momentum Realty’s local guides.

Charwood Estates0.3 mi awayGray Gables0.4 mi away · 33 homes, built 1947–17Pine Knoll Callahan Nassau0.5 mi away · median $285K, 5 sales/12 moPKPine Knoll Glen St Mary0.5 mi away · median $285K, 5 sales/12 moWoodland0.7 mi away · median $675K, 3 sales/12 moMMMeares Meadows0.8 mi away · 102 homes, built 1984–24

Browse all neighborhood guides →

Schools serving nearby communities

We do not have a confirmed school assignment for Cross Creek. These are the public schools most often assigned to other communities in ZIP 32011; zones change and vary by address, so confirm with the district before you buy.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

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