Cross Creek Estates
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside Cross Creek Estates 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.
Homes listed or recently sold were built 1999 - 2000; 3 of 3 report an HOA (median $60/mo). As of October 2026, the MLS records 46 closed sales in Cross Creek Estates in St Cloud, FL since 2005, the most recent in July 2026. Recorded prices since 2024 ran from $283,000 to $367,000 (median $350,000), on homes of 1,205 to 1,687 sq ft. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 1,089 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,330 ($4,730 with the full homestead exemption).
The market around Cross Creek Estates
Cross Creek Estates is too small for its own price trend, so here is the market around it.
In ZIP 34772, 511 homes are on the market and 28% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
ZIP and county figures describe the wider market, not Cross Creek Estates specifically. Momentum Research analysis of MLS records.
Life at Cross Creek Estates
- Pool · reported on 1 of 1 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
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
The housing stock is 135 homes built between 1972 and 2002, and 67% 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.
What it really costs to own in Cross Creek EstatesHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $60/month across 64 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Email me new listings in Cross Creek EstatesHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cross Creek EstatesHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cross Creek EstatesHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $60/month (about $720/yr) · median of 64 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $60 per month ($720 a year) - the median AssociationFee across 64 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 homes for sale in Cross Creek Estates on the map →
Last 30 days in Cross Creek Estates: 1 new listing (median asking $345,000). As of October 16, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
| Location | St Cloud, Osceola County, FL · ZIP 34772 |
|---|---|
| Homes in the community | 135 (FL DOR 2025 assessment roll) |
| Years built | 1972–2002 (median 2000) |
| Typical living area | 1,525 sq ft (median) |
| Amenities listed by sellers | Pool |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 67% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026; 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-st-cloud, data as of September 20, 2026.
Housing distress & ownership in Cross Creek Estates, St Cloud
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. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Kelsey Lane (26 homes on record)
- Kaleigh Court (13 homes on record)
- Kelsey Lane (8 homes on record)
- Kaleigh Court (6 homes on record)
- Kaleigh Court (4 homes on record)
- Kelsey Lane (2 homes on record)
- Kaleigh Court (2 homes on record)
- Kelsey Lane (1 homes on record)
- Kelsey Lane (1 homes on record)
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
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.
26% of homes for sale in ZIP 34772 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 (2026-10-17).
Frequently Asked Questions
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 St Cloud 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 | Stellar MLS, refreshed twice daily (last: October 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (46 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 Stellar 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 Stellar MLS 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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See how Cross Creek Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
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