Clay County · 32043
Condos & Townhomes in Cross Creek
For first-time buyers, downsizers, and busy professionals, the townhome market around Cross Creek in Lake Asbury is one of Northeast Florida's smartest entries.
As a neighborhood of Lake Asbury in Clay County, Cross Creek combines its own character with everything Lake Asbury offers. Compare the full monthly cost of attached homes, including HOA dues and insurance, with current available listings.
Area
Cross Creek
County
Clay County
ZIP codes
32043
Townhome vs. condo: what's the difference?
With a townhome you typically own the land beneath you; with a condo you own the interior. That distinction drives financing, insurance, and HOA structure — and lenders treat them differently.
HOA health matters more than granite counters. We review budgets, reserves, and any special assessments before you commit.
Where to look near Cross Creek
Local highlights in Cross Creek: Resort pool; Expressway convenience; Newer construction. Jacksonville is about 35 minutes via the First Coast Expressway. Attached-home communities cluster near the main corridors, putting shopping and commutes at your doorstep.
A closer look at Cross Creek
A newer Lake Asbury community with a resort pool and quick First Coast Expressway access — a commuter favorite.
Jacksonville is about 35 minutes via the First Coast Expressway. Lake Asbury schools serve the community.
Cross Creek sold out its first phases faster than almost any Clay County community in recent memory.
Cross Creek Mortgage Calculator
Illustrative fixed-rate payment only, not a current lender quote or pre-approval. The starting $400,000 price and 6.5% rate are examples, not local market figures. Adjust all assumptions for your property.
Estimated monthly payment
$2,992
Fixed-rate illustration: property tax assumes 1.1% of the entered price annually, insurance starts at $2,400/year, and PMI assumes 0.5% of loan balance annually below 20% down. Actual taxes, insurance, PMI and loan terms vary; closing costs, flood insurance and utilities are not included. Ask a lender for a current quote and obtain property-specific tax and insurance figures.
Frequently asked questions
Are condos harder to finance?
Sometimes — lenders review the condo association's finances, insurance, and owner-occupancy ratio. Townhomes with fee-simple lots finance like regular houses. We'll steer you right from day one.
What do HOA fees cover?
Typically exterior maintenance, roof (condos), landscaping, amenities, and master insurance. Fees near Cross Creek range widely — we compare what you actually get for the money.
How do I get started with a Cross Creek real estate expert?
Just reach out — call Tammy (904-708-0468) or Brooke (904-252-7390), or use the form on this page. We'll talk through your goals with zero pressure. Education first, pressure never.
Find low-maintenance homes in Cross Creek
No spam, no pressure — just local expertise from Tammy & Brooke.
Keep exploring Cross Creek
Cross Creek is part of Lake Asbury — see the full Lake Asbury picture too.