Cross Creek
Homes for Sale in Oldsmar, FL
All 178 homes for sale in Oldsmar, FL · median $333,500 · 149 homes for sale in 34677 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $545,000, $262 per square foot, a median 14 days on market, sellers accepting 95% of original asking. At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $10,570 ($9,750 with the full homestead exemption).
Cross Creek Unit 02 is a 1990s-built pocket of Oldsmar with a fairly tight construction window, and that consistency shows up in the numbers: a median price of $545,000 against a median of 2,120 square feet works out to roughly $262 per square foot, a reasonable per-foot figure for homes of this vintage in this part of Pinellas County. With a median days-on-market of just 14, homes here are not sitting, which tells you pricing at or near market value gets a response quickly.
The 88.5% homestead share is worth noting for context, not conclusions — it signals a base of owner-occupied homes rather than a market dominated by turnover or investor activity, which tends to support steadier, more predictable transactions on both sides of the table.
Figures in this note are as of July 21, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Cross CreekHomes for Sale in Oldsmar, FL 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.
The 60-Second Overview
Cross Creek market snapshot (as of September 20, 2026): the median sale price is about $545K ($262 per sq ft over the trailing 12 months of closed sales), and a median 14 days on market for closed sales.
In ZIP 34677 (Oldsmar), 439 homes closed in the last 12 months at a median of $365K ($239/sq ft), down 4.5% year over year, with a median 61 days on market. Right now 90 active and 20 pending listings put supply at about 4.7 months — a buyer's market. See the live ZIP 34677 housing market and the Pinellas County market.
County records show 13 qualified sales in Cross Creek across 2024–2025 (11 in 2024, 2 in 2025), median $555,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cross Creek is a community of 122 homes in Oldsmar, Pinellas County, built between 1990 and 1999 (median 1996.0), with a median living area of about 2,120 square feet. 88% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Built out mostly between 1990 and 1999, Cross Creek Unit 02 is a compact, established community of 122 homes in Oldsmar with a median living area just over 2,100 square feet — no community amenities are currently listed in MLS data, so buyers should treat this as a straightforward residential subdivision rather than an amenity-driven one.
Who Cross Creek is best for.
Best for
- Buyers who want a 1990s-built home with a predictable size and layout profile.
- Buyers comfortable pricing based on home condition and lot specifics rather than shared amenities.
- Buyers looking in Oldsmar who prioritize a stable, established subdivision with a high owner-occupancy share.
Probably not for
- Buyers who want a newly built home outside the 1990-1999 range found here.
- Buyers who need on-site community amenities like a pool, clubhouse, or fitness facility.
- Buyers hoping to negotiate significant time on market, given the median 14-day pace.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($545K) IS the median in the snapshot above.
Windows contain 0 to 7 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Deemed reliable but not guaranteed.
19% of homes for sale in ZIP 34677 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 (2026-09-20).
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.
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.
A Consistent 1990s Pocket
The build years here run from 1990 to 1999, with a median year built of 1996 — a narrow enough window that most homes share similar construction-era systems, layouts, and lot sizing, which simplifies comparisons for buyers evaluating condition against price.
At a median of 14 days on market and a three-month closing window reflected in current data, this reads as a market where well-priced, well-maintained listings move without much delay. With no community amenities identified from current MLS listings, the value proposition here rests on the home and lot itself, not on shared recreational infrastructure — worth factoring into how you weigh this community against amenity-rich alternatives nearby.
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
In a community this size — 122 homes with a tight build-year range — pricing accuracy depends on knowing which recent closings are genuinely comparable and which are skewed by condition or updates; we track that closely rather than leaning on broad averages.
Cross Creek in 15 seconds.
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 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 all homes for sale in Oldsmar →
| Location | Oldsmar, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 122 (FL DOR 2025 assessment roll) |
| Years built | 1990–1999 (median 1996.0) |
| Typical living area | 2,120 sq ft (median) |
| Sale prices, last 12 months | $545,000 median across 3 closed sales · $262 per sq ft |
| Days on market (closed sales) | 14 median |
| Owner-occupied (homestead) share | 88% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cross Creek key facts,” movewithmomentum.com/neighborhoods/cross-creek-unit-02, data as of September 20, 2026.
Housing distress & ownership in Cross Creek Unit 02, Oldsmar
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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Oldsmar guides & data
- Market data
- Cost of living
- Best neighborhoods
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
- Gated communities guide
Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Woodstream Drive (12 homes on record)
- Woodstream Drive (8 homes on record)
- Woodstream Drive (4 homes on record)
- Woodstream Drive (3 homes on record)
- Woodstream Drive (2 homes on record)
- Woodstream Drive (1 homes on record)
Email me new listings in Cross CreekHomes 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 CreekHomes for Sale
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Recent Developments in Cross Creek Unit 02
Development, infrastructure, retail, and school activity affecting Cross Creek Unit 02, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
What it may mean for the marketNew downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The project is about 25 miles southwest of Cross Creek Unit 02, elsewhere in Pinellas County.
Source: Tampa Bay Business and Wealth - August 2026Development
AECOM Hunt selected as construction manager for proposed $2.3 billion Rays ballpark in Tampa
AECOM Hunt joined the design team led by Populous for the proposed ballpark on a site that includes Hillsborough College property. The stadium would have at least 28,000 fixed seats, with a construction start targeted for September 2026 and completion by late 2028. Tampa's public contribution is up to $80 million and financing is not finalized.
What it may mean for the marketA large ballpark and surrounding mixed-use district would add construction jobs, event traffic and retail demand on the Dale Mabry corridor. The site is about 9 miles southwest of Cross Creek Unit 02.
Source: Tampa Bay Business and Wealth - August 2026Infrastructure
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
What it may mean for the marketAirport capital spending supports construction employment and long-term air service capacity for the region. The site is about 11 miles southwest of Cross Creek Unit 02.
Source: Tampa Bay Business and Wealth - July 2026Infrastructure
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
What it may mean for the marketEstablishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The project is about 24 miles southwest of Cross Creek Unit 02, elsewhere in Pinellas County.
Source: FOX 13 Tampa Bay - July 2026Development
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
What it may mean for the marketAdvances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 25 miles southwest of Cross Creek Unit 02, elsewhere in Pinellas County.
Source: St Pete Catalyst - July 2026Development
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
What it may mean for the marketAdds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 26 miles southwest of Cross Creek Unit 02, elsewhere in Pinellas County.
Source: Florida YIMBY
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.
Frequently Asked Questions
What is the median home price in Cross Creek?
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When were the homes in Cross Creek built?
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Where is Cross Creek, and what county is it in?
Should you buy in Cross Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (30 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.
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