St James Crossing
Homes for Sale in Winter Haven, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-08-02, 4 recorded sales closed at a median of $262,500, $139 per square foot, a median 149 days on market, sellers accepting 83% of original asking. At the median price and Polk County's FY2025-26 rate of 16.19 mills, annual property tax runs about $4,250 ($3,570 with the full homestead exemption).
St James Crossing is a newer-construction pocket in Winter Haven, with homes built between 2009 and 2019 and a median build year of 2018. The median living area runs large at roughly 2,400 square feet, and at a median of $262,500 - about $139 per square foot - the pricing here is driven by usable space more than by location premiums or community amenities, of which there are none identified in current MLS listings.
The current posture is thin and slow. There are no active listings as of August 2026, and the handful of recent closings sat a median of 149 days before selling. That long days-on-market figure tells sellers to price to condition and be patient; it tells buyers that when something does list, there is usually room to negotiate and time to do diligence rather than a bidding scramble.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside St James Crossing 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
St James Crossing market snapshot (as of August 2, 2026): the median sale price is about $262K ($139 per sq ft over the trailing 12 months of closed sales), and a median 149 days on market for closed sales.
In ZIP 33881 (Winter Haven), 406 homes closed in the last 12 months at a median of $308K ($163/sq ft), down 3.3% year over year, with a median 68 days on market. Right now 1 active and 1 pending listings. See the live ZIP 33881 housing market and the Polk County market.
St James Crossing is a community of 148 homes in Winter Haven, Polk County, built between 2009 and 2019 (median 2018.0), with a median living area of about 2,401 square feet. 55% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a small, relatively young subdivision of larger homes where price tracks square footage and condition rather than shared amenities. With just over half of homes homesteaded, it reads as a primarily owner-occupied enclave with limited turnover.
Who St James Crossing is best for.
Best for
- Buying to hold, where the long time-on-market and stable owner-occupancy suit a patient horizon
- Buyers who prioritize interior space and newer construction over shared amenities
- Buyers comfortable negotiating in a slow market with time to do full diligence
Probably not for
- Needing to buy or sell quickly in a liquid, fast-turning market
- Buyers who want a pool, clubhouse, or other community amenities
- Buyers who need tight, recent comps to feel confident on value
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($262K) IS the median in the snapshot above.
Windows contain 0 to 9 sales each (4 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 2018 through 2026. Deemed reliable but not guaranteed.
24% of homes for sale in ZIP 33881 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 (2026-08-01).
St James Crossing Market Scorecard
St James Crossing is currently a balanced market..
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.
Schools
- Polk County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Polk County Public 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 St James Crossing listings and can change; always confirm with Polk County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any St James Crossing address.
Recent Developments in St James Xing
Development, infrastructure, retail, and school activity affecting St James Xing, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Infrastructure
$1.2 Million Sidewalk Project Completed in Northwest Lake Wales
Lake Wales finished a $1.2 million sidewalk phase covering Orange Avenue, Wetmore Street, Sessoms Avenue, Seminole Avenue, Seaboard Avenue, Dorsett Avenue, B Street and C Street, rehabilitating existing walks and adding new ones. A state grant paid for the work, and an earlier phase finished in 2025. Landscaping and street trees remain scheduled in some areas.
What it may mean for the marketNew sidewalks improve walking access to nearby streets and amenities in northwest Lake Wales. The project is about 12 miles southeast of St James Xing, elsewhere in Polk County.
Source: DailyRidge - July 2026Development
Lakeland Commissioners Approve Zoning Changes for Hallam Drive and Laura Road Projects
Lakeland commissioners unanimously approved zoning changes on July 20, 2026 for two projects. One rezones 17 acres at 1212 Hallam Drive for 24 single family homes on 1.5 acre lots, and the other rezones 3.87 acres at 559 Laura Road for a proposed self storage facility.
What it may mean for the marketRezonings clear the way for new low density housing and commercial storage in Lakeland, adding to residential lot supply and local commercial infrastructure. The project is about 11 miles west of St James Xing, elsewhere in Polk County.
Source: LkldNow - July 2026Development
Haines City Data Center Proposal on Hold Over Water Capacity
Texas based Cielo Digital Infrastructure has proposed a data center on Marion Road and State Road 544 East in Haines City, requesting 150,000 gallons of potable water per day. City officials say the project remains preliminary, is awaiting additional water allocation from the Southwest Florida Water Management District, and has not yet come before the commission for approval.
What it may mean for the marketA proposed data center signals commercial and industrial interest in the Haines City area while highlighting water infrastructure limits that could shape the pace of future development. The project is about 9 miles northeast of St James Xing, elsewhere in Polk County.
Source: Bay News 9 - June 2026Development
Haines City Commission Reviews Lake Eva Estates Subdivision
Haines City reviewed a preliminary plat for Lake Eva Estates, a 31 lot single family subdivision on 16.68 acres west of 10th Street South by Lake Eva. The project is zoned low density residential and includes an approved traffic study.
What it may mean for the marketA new single family subdivision adds for sale housing supply in the Lake Eva area and reflects continued residential platting activity in Haines City. The project is about 11 miles northeast of St James Xing, elsewhere in Polk County.
Source: The Citrus Tea - May 2026Development
SouthState Plans $17M Office in Downtown Winter Haven
SouthState plans a $17.2 million, five story, 40,035 square foot Class A office building on vacant parcels along Central Avenue in downtown Winter Haven. The regional operations center would house about 125 employees, with construction expected to begin in July 2026 and take 12 to 16 months.
What it may mean for the marketA new downtown office building adds employment space and Class A commercial inventory to downtown Winter Haven, supporting the area's redevelopment and taxable value. The project is about 1 mile northeast of St James Xing, elsewhere in Polk County.
Source: Tampa Bay Business & Wealth
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.
The St James Crossing buying strategy.
If we were buying in St James Crossing 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 St James Crossing.
Space over amenities
The value proposition here is square footage. A median of about 2,400 living square feet at $262,500 is a lot of house per dollar, and that is the lever most buyers are pulling. There are no community amenities identified from the listings, so you are buying the home itself, not a lifestyle package - budget accordingly if a pool or clubhouse matters to you.
With 148 homes, no active inventory, and only four closings in the measured window, this is a low-liquidity market. That cuts both ways: there is little competing supply to drag prices down, but also few recent comparable sales to anchor a value. Expect a wide, condition-driven spread around the median rather than a tight, predictable price band.
The location and the amenities are priced into every listing in St James Crossing. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Thin inventory and sparse recent sales make this a market where comps are scarce and timing matters. We track St James Crossing closely enough to tell you what a fair number looks like when so little trades, and to position a listing that moves in a market where the median home took nearly five months to sell.
St James Crossing in 15 seconds.
Tools for a St James Crossing 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 St James Crossing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St James Crossing, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St James Crossing home worth?
Get a no-obligation home value based on real comparable sales in St James Crossing, 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 Winter Haven →
| Location | Winter Haven, Polk County, FL · ZIP 33881 |
|---|---|
| Homes in the community | 148 (FL DOR 2025 assessment roll) |
| Years built | 2009–2019 (median 2018.0) |
| Typical living area | 2,401 sq ft (median) |
| Sale prices, last 12 months | $262,500 median across 4 closed sales · $139 per sq ft |
| Days on market (closed sales) | 149 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 55% |
| Zoned public schools | Polk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2018 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “St James Crossing key facts,” movewithmomentum.com/neighborhoods/st-james-xing, data as of August 2, 2026.
Housing distress & ownership in ST JAMES XING, Winter Haven
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 October 2026 through October 2026. Deemed reliable but not guaranteed.
More Winter Haven home searches
- All homes for sale in Winter Haven, FL
- Gated communities in Winter Haven
- Winter Haven home values: what is my house worth?
- ZIP 33881 housing scorecard
Winter Haven guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in Winter Haven? Join Momentum in Winter Haven: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Osprey Way (36 homes on record)
- Osprey Way (7 homes on record)
Email me new listings in St James Crossing
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 St James Crossing
Have a question about the homes, fees, rules or commute here? A Momentum agent who works St James Crossing will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in St James Crossing?
How long do homes in St James Crossing take to sell?
How many homes are in St James Crossing?
What share of St James Crossing is owner-occupied?
When were the homes in St James Crossing built?
Do cash buyers compete in St James Crossing?
What schools serve St James Crossing?
Who is the best real estate agent for St James Crossing?
How do I find a top Winter Haven real estate agent who knows St James Crossing?
Can Momentum Realty connect me with an agent for St James Crossing?
Where is St James Crossing, and what county is it in?
Should you buy in St James Crossing?
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: June 25, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 33881)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2018 (24 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. A Momentum agent can 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 ST JAMES XING fits the bigger picture — live prices, inventory, and Momentum Scores:
More on St James Crossing
- Home values · What homes in St James Crossing actually sell for