Cross Creek
Homes for Sale in Green Cove Springs, FL
True comps, carrying-cost math, and listings before the portals.
Cross Creek is new-build stock through and through: every home in the community dates to 2020 or later, with a median year built of 2024, so price here tracks construction-era finishes and lot placement more than the renovation story you'd chase in an older Clay County neighborhood. The median sits at $301,000, or roughly $164 per square foot on a typical 1,777-square-foot home, and that price has come down 9.1% year over year as the community has continued to add new inventory.
The posture right now is buyer-leaning: 27 active listings against 313 homes total, 6.6 months of supply, and a median 74 days on market before a contract. Sellers here are not commanding urgency, and buyers who can be patient and negotiate on a newer, lower-maintenance home have room to work with in the current market.
Cross Creek right now
🟢 Buyer-leaning market. 6.2 months of supply and 30% of the inventory already under contract give buyers above-average negotiating leverage.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 realMLS records, as of August 23, 2026. Confidence: Very High (37 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
A newer Green Cove Springs community built out entirely between 2020 and 2024, Cross Creek pairs recently constructed homes with an amenity package sized more like an established master-planned neighborhood than a young subdivision.
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.
The setting & the homes.
Aerial and on-site photos of Cross Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cross CreekPhotos from realMLS listings in Cross Creek; content deemed reliable but not guaranteed.
Who Cross Creek is best for.
Best for
- Buyers targeting a newer-construction home near the $301,000 median who want built-in amenities rather than adding a pool or clubhouse membership later.
- Buyers with flexible timelines who can negotiate in a buyer-leaning market with 6.6 months of supply.
- Owner-occupant buyers planning to homestead the property, consistent with the roughly 69% homestead share already in the community.
Probably not for
- Sellers needing a quick sale — a median 74 days on market and a 9.1% year-over-year price decline argue for patience, not urgency.
- Buyers specifically seeking older or architecturally varied housing stock, since every home here was built between 2020 and 2024.
- Investors expecting rapid appreciation; recent price movement in Cross Creek has been downward, not upward.
The market around Cross Creek
Cross Creek is too small for its own price trend, so here is the market around it.
In ZIP 32043, 554 homes are on the market and 28% are under contract — a steady corner of Green Cove Springs.
Across Clay County, 1,172 homes are active and 480 pending (29% under contract).
ZIP and county figures describe the wider market, not Cross Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cross Creek, Green Cove Springs
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. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Cross Creek
Live MLS inventory for Cross Creek. 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 · 6 daysTop listing
Active · 126 days
Active · 97 days
Active · 138 days
Active · 32 days
Active · 311 days
Active · 38 days
Active · 176 days
Active · 130 days
Active · 123 days
Active · 180 days
Active · 7 days
Active · 489 days
Active · 81 daysActive and pending Cross Creek listings as of 2026-08-24, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Cross Creek on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Cross Creek
- Pool · reported on 40 of 42 listings
- Clubhouse · reported on 39 of 42 listings
- Fitness Center · reported on 38 of 42 listings
- Playground · reported on 38 of 42 listings
- Pickleball · reported on 20 of 42 listings
- Tennis Court(s) · reported on 20 of 42 listings
- Children's Pool · reported on 15 of 42 listings
- Park · reported on 13 of 42 listings
- Jogging Path · reported on 13 of 42 listings
- RV/Boat Storage · reported on 12 of 42 listings
- Dog Park · reported on 10 of 42 listings
- Basketball Court · reported on 7 of 42 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Cross Creek are close: the nearest groceries is about 11 minutes away.
- Blue Rhino Propane Exchange · Groceries11 min
- Meant For Me Gifts · Shopping11 min
- Magic Flavor · Dining13 min
- Vera Francis Hall Park · Parks16 min
- Fresenius Medical Care · Health16 min
- O&M Coffee · Coffee16 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Lake Asbury Elementary SchoolFLDOE grade B · Public Elementary (Clay County)
- Lake Asbury Junior High SchoolFLDOE grade A · Public Junior High
- Clay High SchoolFLDOE grade B · Public High 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cross Creek address.
Recent Developments in Cross Creek
Development, infrastructure, retail, and school activity affecting Cross Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The site is less than a mile south of Cross Creek.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 4 miles east of Cross Creek.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Cross Creek buying strategy.
If we were buying in Cross Creek 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
A new community still finding its price floor
With every home in Cross Creek built in the last several years, there is little to no pre-2020 stock diluting or propping up the numbers — what you see in the median is a genuinely new-construction market. That makes the 9.1% year-over-year pull-back in median price notable: it is happening in a segment usually associated with price stability, and it lines up with 6.6 months of supply and a market heat score on the low end of the scale, both signs of a market still absorbing recent building.
Roughly 69% of homes in Cross Creek carry a homestead exemption, pointing to owner-occupied use as the norm rather than investor or second-home concentration. The amenity roster — pool, clubhouse, fitness center, pickleball and tennis courts, a dog park, playground, jogging path, and RV/boat storage — is unusually deep for a community this age, though as with any HOA-run amenity set, current access and condition should be confirmed directly rather than assumed from the listing history.
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.
Why work with Momentum here
A community built out entirely in the last few years and now sitting at 6.6 months of supply needs a negotiating strategy suited to new-construction pricing dynamics, not a stale comp set. We track Cross Creek's closings and days-on-market directly through the MLS feed and price each showing against what is actually moving at a median 74-day pace, not a list price guess.
Cross Creek in 15 seconds.
HOA, CDD & Fees
- Has a CDD assessment
- Mandatory HOA. Confirm current dues
- 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.
enities clubhouse, resort pool, splash hoa hoa; confirm any cdd per address county clay county florida schools clay county schools confirm zoni
Tools for a Cross Creek 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 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, 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 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 homes for sale in Cross Creek on the map →
Frequently Asked Questions
Is Cross Creek a buyer's or seller's market right now?
How many homes are in Cross Creek?
What share of Cross Creek is owner-occupied?
When were the homes in Cross Creek built?
What schools serve Cross Creek?
Who is the best real estate agent for Cross Creek?
How do I find a top Green Cove Springs real estate agent who knows Cross Creek?
Can Momentum Realty connect me with an agent for Cross Creek?
Should you buy in Cross Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cross Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 23, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (8 streets, ZIP 32043/32086/32223)) |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (110 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.
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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 your area comps.
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See how Cross Creek fits the bigger picture — live prices, inventory, and Momentum Scores: