Cross Pointe in Oldsmar

Cross Pointe
Homes for Sale in Oldsmar, FL

All 171 homes for sale in OLDSMAR, FL · median $324,900 · 154 homes for sale in 34677 · Pinellas County homes for sale

Community in Oldsmar · Pinellas County · ZIP 34677
12 homesBuilt 1991–1996Median sale $770K
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Built fromLive Stellar MLS data22 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Cross Pointe in Oldsmar, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $770,000, $295 per square foot, a median 38 days on market, sellers accepting 97% of original asking (-3% versus the prior year). Homes listed or recently sold were built 1991 - 1997; 6 of 6 report an HOA (median $146/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $14,930 ($14,120 with the full homestead exemption).

Cross Pointe key facts
LocationOLDSMAR, Pinellas County, FL · ZIP 34677
Homes in the community12 (FL DOR 2025 assessment roll)
Years built1991–1996 (median 1992.0)
Typical living area2,943 sq ft (median)
Home types (current listings and sales)single-family 100%
Amenities listed by sellersGated Community, Gated Community - Guard, Buyer Approval Required, Deed Restrictions, Gated, Golf
Sale prices, last 12 months$770,000 median across 3 closed sales · $295 per sq ft · -3.1% vs the prior 12 months
Days on market (closed sales)38 median
For sale right now2 active, 1 pending · median asking $787,850 · 8.0 months of supply
Owner-occupied (homestead) share92%
Zoned public schoolsPinellas County Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cross Pointe key facts,” movewithmomentum.com/neighborhoods/cross-pointe-oldsmar, data as of September 20, 2026.

Last 30 days in Cross Pointe: 1 under contract right now, 1 closed sale (median $850,000). As of October 4, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Live · Cross Pointe Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$770K ▼
Median sold · 12 mo
down 3.1% vs the prior 12 months
-3.1% ▼
1-yr price change
n = 3 and 4 sales in the two windows
$295/sf
Sold $/sqft · 12 mo
peak $307 in 2023
96.5%
Sale vs ask
Tempo
8.0mo
Supply
3 to 6 months is the balanced band
38days
Median DOM · closed
7 days at the 2022 low
33%
Under contract
Pinellas: 20% (1,627 of 8,166)
2 · 1
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 3 a year
Ownership and context
92%
Owner-occupied · Cross Pointe
11 of 12 parcels homesteaded (FL DOR 2025)
8%
Non-owner-occupied · Cross Pointe
incl. 0% trust or LLC-held · 8% out-of-state
12
Homes in the community
12 residential parcels (FL DOR 2025)
Track record · 22 years of records
Est. 1991
Community established
homes built 1991-1996, median 1992 (FL DOR 2025)
2,606sqft
Median sold home size
12-mo windows, closed sales
25.0%/yr
Turnover rate
about 3 of 12 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Cross Pointe Oldsmar is a small, tightly held community of 159 homes, and the current snapshot shows why: zero active listings and just a single closing in the most recent window. That is not a market with much to analyze in terms of pricing trends - there simply isn't enough transaction volume right now to establish one. What we can say is that this is a gated, amenity-heavy neighborhood where owners tend to stay put, and inventory rarely sits long enough to build a normal supply curve.

For a seller, this scarcity is the story: when something does list here, it is often the only option a buyer targeting this specific community has. For a buyer, it means patience and readiness matter more than negotiating leverage - you may be waiting for the right listing rather than choosing among several.

Cross Pointe Housing Pulse · Momentum Research · as of September 20, 2026

Cross Pointe right now

🟢 Buyer-leaning market. 8.0 months of supply and 33% 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 Stellar MLS records, as of September 20, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).

🟡 Off the recent peak. The trailing-12-month median ($770K) is down 3.1% from the prior 12 months ($795K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 4 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 4, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Cross Pointe market snapshot (as of September 20, 2026): the median sale price is about $770K ($295 per sq ft over the trailing 12 months of closed sales), a median 38 days on market for closed sales, and 8.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).

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.

Cross Pointe is a community of 12 homes in Oldsmar, Pinellas County, built between 1991 and 1996 (median 1992.0), with a median living area of about 2,943 square feet. 92% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Built out mostly in the 1990s with a median construction year of 1993, Cross Pointe Oldsmar pairs larger-format homes - a median of 2,937 square feet - with a guard-gated, golf-adjacent setting that has kept turnover low and current inventory essentially nonexistent.

Best for

  • Buyers who want a larger, established home and are comfortable waiting for the right listing to surface
  • Buyers who value guard-gated access, golf, and a full clubhouse amenity set over newer construction
  • Buyers planning a longer hold who are comfortable with an HOA buyer-approval process and deed restrictions

Probably not for

  • Buyers needing to close quickly, given the current lack of active inventory
  • Buyers wanting new or near-new construction rather than 1990s-era homes
  • Buyers who prefer minimal HOA oversight or fewer community restrictions

Windows contain 0 to 12 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 2004 through 2026. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$400K$600K$800K20122014201620182020202220242026
Down 3.1% year over year.
Every sale since 2004 · price vs size
$0$250K$500K$750K3k4k5k
65 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$200$30020122014201620182020202220242026
Up from $140 in 2012 to a $307 peak in 2023; $295 now.
Median days on market · closed sales
025507520122014201620182020202220242026
7 days at the 2022 low; 38 now.
Sale price vs original ask · median
90%95%100%20122014201620182020202220242026
96.5% now.
Homes sold per 12-mo window
051020122014201620182020202220242026
0 to 12 a year; 3 in the current window.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,315/mo
Pinellas County typical true cost to own
$159/mo
Pinellas County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

17% 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 (2026-10-04).

Cross Pointe Market Scorecard

Buyer-leaning

Cross Pointe is currently a buyer-leaning market. About 8.0 months of supply, a median asking price of $787,850, and homes go under contract in about 41 days.

8.0
Months supply
$787,850
Median list
$770,000
Median sold
$292
List $/sqft
41
Days on mkt
1/1/4
Active/Pend/Sold

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Housing distress & ownership in Cross Pointe, OLDSMAR

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 2 listings
Distress share trend - 0.0% now (2026-08-10 → 2026-09-30)

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.

Homes For Sale Right Now in Cross Pointe

Live MLS inventory for Cross Pointe. 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 and pending Cross Pointe listings as of 2026-10-01, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.

Every Home for Sale in Cross Pointe Oldsmar Right Now (2)

All 2 active and pending Cross Pointe Oldsmar listings with a detail page, newest first, refreshed twice a day from the MLS.

  • 1730 Captiva Drive · $745,000 · 4 bd / 3 ba · pending · listed Aug 30, 2026 · listed by Re/Max Realtec Group Inc
  • 1723 Captiva Drive · $799,000 · 4 bd / 3 ba · listed Aug 21, 2026 · listed by Coastal Properties Group International

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

Schools

In short
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Pinellas County Schools (verify by address) · Public
  • Confirm zoned elementary, middle, and high · By address
  • Magnet and choice options may apply · Choice

Zoned schools reflect the assignments reported on recent Cross Pointe listings and can change; always confirm with Pinellas County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Cross Pointe address.

If we were buying in Cross Pointe today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

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.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Pointe.

Best Buy
Buyers seeking a guard-gated, golf-and-clubhouse setting with larger, established homes.
Biggest Risk
With zero active listings, timing your purchase around actual availability is the main constraint.
Sweet Spot
Buyers wanting a 1990s-built home in the 2,900+ square foot range inside a controlled-access community.
Avoid If
You need move-in-ready inventory on a short timeline or want to avoid HOA buyer-approval steps.

A guarded, low-turnover enclave

The homes here were built between 1991 and 2003, putting the community solidly in its third-plus decade, with a median build year of 1993. Living space runs large for the area at a median of 2,937 square feet, which points toward multi-generational floor plans and homes built for extended living rather than starter-size footprints.

An 88.1% homestead share tells you this is a community of owner-occupied homes rather than a rental-heavy or investor-driven pocket, which lines up with the deed restrictions, buyer-approval requirement, and guard-gated access. The amenity set - golf, tennis, a fitness center, clubhouse, pool, and an on-site restaurant - is substantial for a 159-home footprint, and the special community restrictions and secured garage/parking add another layer of structure buyers should understand before writing an offer. As always, confirm current amenities and access rules directly with the HOA, since MLS-reported amenities can lag real-world changes.

“

The location and the amenities are priced into every listing in Cross Pointe. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
6.0C+ · Buy Score
Recent Direction5.2/10
Liquidity & Demand2.0/10
Owner Commitment9.2/10
Pricing Power7.7/10

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 (6.0). Basis: Recent Direction -3.1% year-over-year; Liquidity & Demand 8.0 months of supply; Owner Commitment 92% owner-occupied; Pricing Power 96.5% sale-to-list. Refreshed with each data update.

Why work with Momentum here

With zero active listings and only one closing in the recent window, finding out about a Cross Pointe listing before it hits wide circulation is the whole game. We track this community closely enough to flag movement early, and we know the HOA's buyer-approval process and deed restrictions well enough to help you move through them without losing time on a scarce listing.

Cross Pointe in 15 seconds.

Best forBuyers seeking a guard-gated, golf-and-clubhouse setting with larger, established homes.
Biggest advantageA low-turnover, owner-occupied community with a full amenity package for its size.
Biggest riskWith zero active listings, timing your purchase around actual availability is the main constraint.
Sweet spotBuyers wanting a 1990s-built home in the 2,900+ square foot range inside a controlled-access community.
Avoid ifYou need move-in-ready inventory on a short timeline or want to avoid HOA buyer-approval steps.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Cross Pointe homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Cross Pointe.
In short
  • HOA dues reported around $142/month (about $1,704/yr) · median of 99 MLS listings, most billed twice a year
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $142 per month ($1,704 a year) - the median AssociationFee across 99 MLS records, normalised to a monthly figure; most are billed twice a year. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cross Pointe sales matched to your home.

What is your Cross Pointe home worth?

Get a no-obligation home value based on real comparable sales in Cross Pointe, 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 →

Real comps, not an automated estimate.

Recently off market in Cross Pointe

Homes in Cross Pointe that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.

Frequently Asked Questions

What is the median home price in Cross Pointe?
The median sale price in Cross Pointe was $770K over the 12 months ending September 20, 2026 (3 closed sales, Stellar MLS).
How long do homes in Cross Pointe take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 38 days on market (3 sales, Stellar MLS).
Is Cross Pointe a buyer's or seller's market right now?
As of September 20, 2026, Cross Pointe leans toward buyers: 8.0 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in Cross Pointe?
The Florida DOR 2025 assessment roll shows 12 homes in Cross Pointe (public records).
What share of Cross Pointe is owner-occupied?
92% of Cross Pointe parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Cross Pointe built?
Homes in Cross Pointe were built between 1991 and 1996, with a median year built of 1992.0 (FL DOR 2025 roll).
What schools serve Cross Pointe?
Cross Pointe is served by Pinellas County Public Schools, typically Pinellas County Schools (verify by address) and Confirm zoned elementary, middle, and high. Confirm the exact zoning by address with the district.
Who is the best real estate agent for Cross Pointe?
The best agent for Cross Pointe is one who actively works Oldsmar and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cross Pointe.
How do I find a top Oldsmar real estate agent who knows Cross Pointe?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cross Pointe and the wider Oldsmar area.
Can Momentum Realty connect me with an agent for Cross Pointe?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cross Pointe purchase or sale - no call center and no pressure.
Where is Cross Pointe, and what county is it in?
Cross Pointe is in OLDSMAR, Pinellas County, FL, ZIP 34677. The community's center is about 8 miles west of the center of OLDSMAR (straight-line).
Buyers who want a larger, established home and are comfortable waiting for the right listing to surfaceExcellent fit
Buyers who value guard-gated access, golf, and a full clubhouse amenity set over newer constructionExcellent fit
Buyers planning a longer hold who are comfortable with an HOA buyer-approval process and deed restrictionsExcellent fit
Buyers needing to close quickly, given the current lack of active inventoryProbably not
Buyers wanting new or near-new construction rather than 1990s-era homesProbably not
Buyers who prefer minimal HOA oversight or fewer community restrictionsProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 1, 2026)
Community market statsStellar MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34677))
Under-contract sharesStellar MLS records, as of 2026-09-20
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2004 (65 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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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.

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CallFree valuation →
Thinking of selling in Cross Pointe? 3 recorded closings; median 38 days on market (window ending 2026-09-20). See the Pinellas County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

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