Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·9 days on market

16219 Shellcracker Road

Jacksonville, FL 32226

$640,000Est. $3,287/moMLS# 2103012

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About this home

Jacksonville

**PRICE IMPROVEMENT**BUILD YOUR DREAM HOME**Partner with ICI CUSTOM HOME BUILDERS and build an ICI Plan or bring your plans**Spectacular Waterfront Property with Over 100 Feet of Deep Water Access - Just 5 Minutes from the Intracoastal! Experience year-round vacation living with breathtaking waterfront views. This prime .60-acre lot is the perfect canvas for your dream home, offering unparalleled tranquility, highlighted by a majestic century-old Live Oak tree that graces the heart of the property. The lot comes with key infrastructure already in place, including power source/power pole, artesian well, septic tank and drain-field, dock permit and a brand new 103-ft vinyl seawall with concrete cap and high-grade stainless steel tie-back rods Additionally, a New Construction Boundary Survey is available. Don't miss out on this rare opportunity to own a piece of prime waterfront land. Schedule your appointment today and turn your dream home into a reality!

Cost to own

Mortgage calculator

Home Price

$640,000

Down Payment: 20%

$128,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,287

Principal & Interest: $3,287

Property taxes (est.): $1,045

Insurance (est.): $427

Estimated Total Monthly

$4,759

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$3,287

Property taxesest. at asking price, Duval County$1,045

Estimated total, before insurance$4,332/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$351,848	$299,382	—
2024	$326,716	$272,166	—
2023	$314,150	$247,424	—
2022	$224,931	$224,931	▲ $5,026
2021	$250,920	$250,920	—
2020	$219,354	$124,726	▲ $23,884

Estimated taxes if purchased at asking price: ~$12,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,768 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History