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Miramar Beach · Condo Building

Cross Creek Club Condos for Sale

Cross Creek Club at 64 Cross Creek Road in Miramar Beach, Walton County, is two recorded condominiums: 32 homes from 1985 and 8 in Cross Creek Club West from 1988.

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Guest rating

4.8 out of 5

From 208 guest reviews on Airbnb and Vrbo

Across 6 rental listings with guest reviews in Cross Creek Club

  • Airbnb 5.0
  • Vrbo 4.7
See what guests rate

About Cross Creek Club

Cross Creek Club is recorded as two condominiums on the Walton County roll, and both use the street address 64 Cross Creek Road in Miramar Beach, in unincorporated Walton County. The original condominium has four buildings lettered A through D with eight homes each, 32 in all, and the roll dates every one to 1985. Cross Creek Club West adds eight homes in two buildings, units 1 through 4 in building A and 5 through 8 in building B, all dated 1988.

Counting parcels gives 31 and 8 rather than 32 and 8, because the parcel for units B-4 and B-8 is recorded as one parcel with two residential units and carries their combined 1,508 square feet. Every other home on both rolls is 754 square feet, so recorded size does not set one home apart from another. The common ground is held separately as well: the county names Cross Creek Club Condominium Owners Association as owner of about 0.94 acre for the original, and Cross Creek Club West Owner's Association as owner of a roughly half acre parcel, drawn in two pieces, that its legal description calls Phase 2 and future development. The roll shows no building on it.

The roll's legal text points to different recorded instruments, Official Records Book 497, page 115 for the original and Book 527, page 216 for Cross Creek Club West, and the one that binds a given home decides who its association is and what it can require. No story count appears in the roll, so none is given here, and FEMA's map puts every parcel in Zone X, the minimal hazard area.

HOA & Fees

What is the HOA fee at Cross Creek Club?

As of November 11, 2026, based on one listing on the MLS, the reported HOA fee at Cross Creek Club is $325 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

Based on one active MLS listing that reports an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent. See the listings

The county roll names two owners associations, one for each condominium, so a buyer inherits two sets of books rather than one. Ask the association for the home's own condominium for its reserve schedule, its last structural report and any pending project, then ask whether the two share roads, drainage or insurance, which neither the roll nor the flood map answers.

Rental Policy

Short-term rentals: allowed. Confirm the current minimum stay and registration with the association.

Cross Creek Club has two recorded instruments, filed in different books. They may differ on lease length and lease approval. The answer for a home in building A of the original club may not hold for Cross Creek Club West. Find out which instrument covers your Cross Creek Club home. The county FAQ keeps it brief. Condos stay outside county registration for now. At Cross Creek Club, three filings remain: state tax, a state license and county tourist tax. Confirm each one before booking guests.

What guests say about staying here

Combined Airbnb and Vrbo ratings for the vacation rentals in Cross Creek Club.

4.8 out of 5

208 reviews across 6 reviewed listings

  • Airbnb 5.0 from 107 reviews on 2 reviewed listings
  • Vrbo 4.7 from 101 reviews on 4 reviewed listings

What Airbnb guests rate

  • Cleanliness5.0
  • Accuracy5.0
  • Check-in5.0
  • Communication5.0
  • Location4.9
  • Value4.9

Guests rate communication highest.

These ratings describe the vacation rentals in Cross Creek Club, not any one unit for sale.

Market data by Key Data · 6 units tracked in Cross Creek Club · Nov 2025 to Nov 2026

Live Inventory

Active Listings at Cross Creek Club

Price ReducedShort-Term Rental Eligible

$310,000

64 Cross Creek Road Unit 28-D

Miramar Beach, FL 32550

1 bd 1 ba 612 sqft

The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.

Building Answers

Cross Creek Club FAQ

How much is the HOA fee at Cross Creek Club?

As of November 11, 2026, based on one listing on the MLS, the reported HOA fee at Cross Creek Club is $325 a month. Fees vary with unit size and type, so the fee for a specific residence is the one its listing and the association state.

Are Cross Creek Club and Cross Creek Club West the same condominium?

No, they are two on the roll. The original has 32 homes in buildings A through D, and Cross Creek Club West has 8 homes in two buildings. The county names a separate owners association for each: one owns the original's common area and the other owns the West Phase 2 parcel, and the legal text cites different recorded books for them, 497 page 115 and 527 page 216.

Why does Cross Creek Club show 39 residential parcels but 40 homes?

The parcel for units B-4 and B-8 in the original condominium is recorded with two residential units and 1,508 square feet combined. That makes 31 parcels for 32 homes in the original, and with the 8 West homes, 39 parcels for 40 homes. Count homes by unit designator, not by parcel ID, before comparing with any listing count.

How big are the homes at Cross Creek Club?

754 square feet each on the county roll, in both condominiums. The single 1,508 square foot entry is the one parcel recorded with units B-4 and B-8 together, twice the size of the others. Roll figures are assessor measurements, so a listing's number may differ.

What is Phase 2 at Cross Creek Club West?

It is a parcel of about half an acre, drawn in two pieces, that the roll labels Cross Creek Club West Phase 2 with a future development legal description. It is classed vacant, owned by the West association, and carries the situs 208 Ciboney Street. Whether anything more can be built there is a declaration question that no public record loaded here answers.

Do the 1985 and 1988 dates at Cross Creek Club trigger the milestone inspection rule?

That turns on height, and the roll gives no story count for either group. If the buildings count as three habitable stories, the 1985 group passed 30 in 2015 and the 1988 group in 2018 (assuming roll years match certificate dates), which would put both under the rule that an initial inspection be done before December 31, 2024, with local authority to shorten the clock to 25 years near salt water. Each association can say whether its buildings are covered and supply the inspection report.

Sources

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