Cross Creek
Homes for Sale in Oldsmar, FL
All 171 homes for sale in Oldsmar, FL · median $320,998 · 151 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, 9 recorded sales closed at a median of $555,000, $292 per square foot, a median 25 days on market, sellers accepting 96% of original asking. At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $10,760 ($9,950 with the full homestead exemption).
| Location | Oldsmar, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 100 (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 | $555,000 median across 9 closed sales · $292 per sq ft |
| Days on market (closed sales) | 25 median |
| Owner-occupied (homestead) share | 90% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cross Creek - Unit Two key facts,” movewithmomentum.com/neighborhoods/cross-creek-unit-two, data as of September 20, 2026.
Cross Creek - Unit Two is a compact, built-out pocket of roughly 100 homes in Oldsmar, all dating to the 1990s with a median build year of 1996. At that age and scale, price here is driven less by location tier and more by condition and updates: a home that has had its kitchen, baths, roof, and systems addressed will command a very different number than one still wearing its original finishes. The median sits at $557,500, or about $285 per square foot against a median of roughly 2,120 living square feet, but expect a wide spread around that midpoint depending on how much work a given house has absorbed.
With a median of 39 days on market, this is a measured, not frantic, environment. Sellers should read that as a market that rewards move-in-ready presentation and realistic pricing rather than aspirational list numbers; homes that sit are usually condition or price stories, not demand stories. Buyers have enough time to inspect carefully and negotiate, but not so much slack that a well-prepared, correctly priced home will linger.
Nearby homes for sale
No active listings inside Cross Creek - Unit Two 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 $555K ($292 per sq ft over the trailing 12 months of closed sales), and a median 25 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 11 qualified sales in Cross Creek across 2024–2025 (10 in 2024, 1 in 2025), median $570,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cross Creek is a community of 100 homes in Oldsmar, Pinellas County, built between 1990 and 1999 (median 1996.0), with a median living area of about 2,120 square feet. 90% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A small, fully established 1990s community in Oldsmar where nearly everything trades on condition. With only about 100 homes, inventory is thin by nature, so the specific house that comes available matters more than any neighborhood-wide trend.
Who Cross Creek is best for.
Best for
- Buyers targeting an established 1990s single-family home around 2,120 square feet in Oldsmar
- Owner-occupants comfortable budgeting for potential roof and systems updates on an older home
- Buyers who value a stable, owner-held community over a high-turnover one
Probably not for
- Buyers who want modern new-construction finishes and layouts
- Investors seeking rental inventory in a heavily homestead-occupied enclave
- Buyers who need a large pool of listings to compare before committing
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 ($555K) IS the median in the snapshot above.
Windows contain 0 to 9 sales each (9 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 2014 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).
Housing distress & ownership in Cross Creek - Unit Two, 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.
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 condition-driven resale market
The homes cluster tightly in age — a 1990 to 1999 build range with a 1996 median — which means the housing stock is broadly comparable in bones but divergent in upkeep. Roofs, HVAC, and water heaters from the original era are at or past typical replacement windows, so the real diligence here is mechanical and structural, not cosmetic. A median around 2,120 square feet points to genuine single-family space rather than starter footprints.
A homestead share near 90% tells you this is an owner-occupied enclave rather than an investor or rental play. That tends to mean well-kept exteriors and stable turnover, but it also means listings are relatively infrequent — when the right floor plan and condition combination appears, decisiveness matters more than in a high-inventory subdivision.
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 small, condition-sensitive community like this, the value is in reading each individual house against the median rather than against the whole market. We help buyers separate a cosmetic project from a systems project on 1990s-era homes, and we help sellers position condition and updates honestly so the home earns its number inside the roughly 39-day window instead of stalling.
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 →
Frequently Asked Questions
What is the median home price in Cross Creek?
How long do homes in Cross Creek take to sell?
How many homes are in Cross Creek?
What share of Cross Creek is owner-occupied?
When were the homes in Cross Creek built?
Who is the best real estate agent for Cross Creek?
How do I find a top Oldsmar real estate agent who knows Cross Creek?
Can Momentum Realty connect me with an agent for Cross Creek?
Where is Cross Creek, and what county is it in?
Is Cross Creek a good place to live?
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 (3 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (33 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cross Creek - Unit Two fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cross Creek with Momentum Realty’s local guides.