Cross Creek
Homes for Sale in Green Cove Springs, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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. 6.6 months of supply and 29% 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 July 14, 2026. Confidence: Very High (38 active and pending listings, 51 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($301K) is down 9.1% from the prior 12 months ($331K).Momentum Research, record-level realMLS closed sales, 12-month windows ending July 14. Confidence: Very High (51 and 184 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cross Creek market snapshot (as of July 14, 2026): the median sale price is about $301K ($164 per sq ft over the trailing 12 months of closed sales), a median 74 days on market for closed sales, and 6.6 months of supply, a buyer-leaning market. The trailing-12-month median is down 9% from the prior 12 months, computed from record-level realMLS closed sales (51 closings in the current window).
Cross Creek is a community of 313 homes in Green Cove Springs, Clay County, built between 2020 and 2024 (median 2024), with a median living area of about 1,777 square feet. 69% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($301K) IS the median in the snapshot above, and the move from 2025 ($331K) IS the -9.1% one-year change.
Windows contain 0 to 382 sales each (51 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Cross Creek Market Scorecard
Cross Creek is currently a buyer's market. About 6.2 months of supply, a median asking price of $335,250, and homes go under contract in about 78 days.
Typical home value in the 32043 ZIP is $344,905, about 14.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
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 · 56 daysTop listingActive · 35 daysActive · 97 days
Active · 92 days
Active · 270 days
Active · 50 days
Active · 135 days
Active · 89 days
Active · 124 days
Active · 139 days
Active · 82 days
Active · 448 days
Active · 40 days
Active · 90 daysActive and pending Cross Creek listings as of 2026-07-14, 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.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cross Creek buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.2). Basis: Recent Direction -9.1% year-over-year; Liquidity & Demand 6.6 months of supply; Owner Commitment 69% owner-occupied; Pricing Power 95.0% sale-to-list. Refreshed with each data update.
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
What is the median home price in Cross Creek?
How long do homes in Cross Creek take to sell?
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?
Do cash buyers compete in Cross Creek?
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: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (1,489 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?
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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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