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
True comps, carrying-cost math, and listings before the portals.
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).
| Location | OLDSMAR, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 12 (FL DOR 2025 assessment roll) |
| Years built | 1991–1996 (median 1992.0) |
| Typical living area | 2,943 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Gated 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 now | 2 active, 1 pending · median asking $787,850 · 8.0 months of supply |
| Owner-occupied (homestead) share | 92% |
| Zoned public schools | Pinellas 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.

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 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.
The setting & the homes.
Aerial and on-site photos of Cross Pointe. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Cross Pointe; content deemed reliable but not guaranteed.
Who Cross Pointe is best for.
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
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 ($770K) IS the median in the snapshot above, and the move from 2025 ($795K) IS the -3.1% one-year change.
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.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas 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.
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
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.
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.
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
Cross Pointe on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Cross Pointe
- Buyer Approval Required · reported on 2 of 3 listings
- Deed Restrictions · reported on 2 of 3 listings
- Golf · reported on 2 of 3 listings
- Tennis Court(s) · reported on 2 of 3 listings
- Gated Community · reported on 2 of 3 listings
- Fitness Center · reported on 1 of 3 listings
- Gated Community - Guard · reported on 1 of 3 listings
- Pool · reported on 1 of 3 listings
- Restaurant · reported on 1 of 3 listings
- Special Community Restrictions · reported on 1 of 3 listings
- Secured Garage/Parking · reported on 1 of 3 listings
- Clubhouse · reported on 1 of 3 listings
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
- 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.
Shop the zone: Homes zoned for East Lake High-Pn High School
The Cross Pointe buying strategy.
If we were buying in Cross Pointe 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.
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.
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 Pointe.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cross Pointe buys, holds, and resells. Momentum Research; not an appraisal.
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.
HOA, CDD & Fees
- 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.
Tools for a Cross Pointe 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 Pointe sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cross Pointe, 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 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 →
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.
- 4953 Pointe Circle · off market
- 4987 Cross Pointe Drive · off market
Frequently Asked Questions
What is the median home price in Cross Pointe?
How long do homes in Cross Pointe take to sell?
Is Cross Pointe a buyer's or seller's market right now?
How many homes are in Cross Pointe?
What share of Cross Pointe is owner-occupied?
When were the homes in Cross Pointe built?
What schools serve Cross Pointe?
Who is the best real estate agent for Cross Pointe?
How do I find a top Oldsmar real estate agent who knows Cross Pointe?
Can Momentum Realty connect me with an agent for Cross Pointe?
Where is Cross Pointe, and what county is it in?
Should you buy in Cross Pointe?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-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.
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 →
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See how Cross Pointe fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cross Pointe
- Home values · What homes in Cross Pointe actually sell for
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