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, 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).
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.
Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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).
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 →
| 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 key facts,” movewithmomentum.com/neighborhoods/cross-creek-unit-two, data as of September 20, 2026.
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.
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Oldsmar guides & data
- Market data
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- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
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Florida buyer guides
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Recent Developments in Cross Creek Unit Two
Development, infrastructure, retail, and school activity affecting Cross Creek Unit Two, 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 20 miles south of Cross Creek Unit Two, 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 10 miles southeast of Cross Creek Unit Two.
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 9 miles southeast of Cross Creek Unit Two.
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 20 miles south of Cross Creek Unit Two, 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 20 miles south of Cross Creek Unit Two, 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 21 miles south of Cross Creek Unit Two, 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
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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.
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