Cross Creek Shores
Homes for Sale in Freeport, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Cross Creek Shores in Freeport, FL has 1 home for sale. Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $699,899, a median 250 days on market, sellers accepting 88% of original asking. Homes listed or recently sold were built 2020–2026 with 4 new construction; 2 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $6,830 ($6,440 with the full homestead exemption).
Cross Creek Shores right now
🟡 Balanced market. 4.0 months of supply and 67% of the inventory already under contract put buyers and sellers on roughly even footing.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 Emerald Coast MLS records, as of September 12, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cross Creek Shores market snapshot (as of September 12, 2026): the median sale price is about $700K, a median 250 days on market for closed sales, and 4.0 months of supply, a balanced market.
The setting & the homes.
Aerial and on-site photos of Cross Creek Shores. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cross Creek ShoresPhotos from Emerald Coast MLS listings in Cross Creek Shores; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($700K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton 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 · Walton 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.
CROSS CREEK SHORES Market Scorecard
CROSS CREEK SHORES is currently a balanced market. About 4.0 months of supply, a median asking price of $1,050,000, and homes go under contract in about 74 days.
Typical home value in the 32439 ZIP is $391,682, right around 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.
Housing distress & ownership in CROSS CREEK SHORES, Freeport
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. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Cross Creek Shores
Live MLS inventory for Cross Creek Shores. 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 · 74 daysTop listingPending · 2 daysPending · 8 daysActive and pending Cross Creek Shores listings as of 2026-09-12, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Cross Creek Shores on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Freeport · Elementary
- Freeport · Middle
- Freeport · High
Zoned schools reflect the assignments reported on recent Cross Creek Shores listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cross Creek Shores address.
The Cross Creek Shores buying strategy.
If we were buying in Cross Creek Shores 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 Shores.
A closer look at the Cross Creek Shores market
Homes in Cross Creek Shores trade around a median of $700K, where condition and lot do more to set the final number than the asking price does.
Inventory runs at 4.0 months of supply, a balanced market. Homes that do trade take a median 250 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Cross Creek Shores. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- 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.
Tools for a Cross Creek Shores 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 Shores 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 Shores, 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 Shores home worth?
Get a no-obligation home value based on real comparable sales in Cross Creek Shores, 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 Shores on the map →
Frequently Asked Questions
What is the median home price in Cross Creek Shores?
How long do homes in Cross Creek Shores take to sell?
Is Cross Creek Shores a buyer's or seller's market right now?
Who is the best real estate agent for Cross Creek Shores?
How do I find a top Freeport real estate agent who knows Cross Creek Shores?
Can Momentum Realty connect me with an agent for Cross Creek Shores?
Nearby Communities
Explore more neighborhoods near Cross Creek Shores with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2003 (24 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 Emerald Coast 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 Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how CROSS CREEK SHORES fits the bigger picture — live prices, inventory, and Momentum Scores: