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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Black Hammock Island, Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed Jun 18, 2026·230 days on market·Recent sales in Black Hammock Island·Black Hammock Island

16199 Shellcracker Road

Jacksonville, FL 32226

$635,000sold priceListed at $649,000 · 97.8% of asking$254/sqftMLS# 2109139
5
Beds
3
Baths
2,504
Sq Ft
2017
Built
2
Garage
Yes
Pool

8 more homes for sale in Black Hammock Island →Search Black Hammock Island on the map

No HOA0.56 acresWaterfrontSingle Family Residence2 stories

About this home

Black Hammock Island

Welcome to Black Hammock Island-a nature lover's retreat and boaters paradise. Situated on over half an acre and boasting 55 ft of tidal creek frontage, this property offers quick and easy access to the River, Intracoastal and the Atlantic ocean! Step into this beautifully updated, custom built waterfront home where modern upgrades meet serene views. Recently refreshed from top to bottom, this 5 bed/3 bath POOL home features a stunning new kitchen with sleek finishes including quartz countertops and tasteful backsplash, stainless steel appliances, eat in dining plus breakfast bar, and a large walk in pantry. The lower level was built for entertaining featuring a cozy family room, a dedicated office with french doors, plus an addt'l bedroom that would make the perfect mother in law suite or space for overnight guests. Upstairs you will be greeted by 4 additional bedrooms with walk in closets- including the primary suite that offers gorgeous views of Nassau River. Step outside into your

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,517
Property taxesest. at asking price, Duval County$1,037
Estimated total, before insurance$4,554/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,843/yr · $737/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$635,000
$127,000
Loan Term
Monthly Payment
$3,517
Principal & Interest: $3,517
Property taxes (est.): $1,037
Insurance (est.): $423
Estimated Total Monthly
$4,977
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,552 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

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.

Cost to own

Taxes & assessment

Last sold: $645,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$478,456$0—
2024$483,153$0▼ $2,084
2023$467,917$296,574—
2022$388,698$256,862—
2021$325,471$247,925—
2020$305,766$233,231▲ $28,805

2024 property taxes (current owner): $8,843/yr

Estimated taxes if purchased at asking price: ~$12,400/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $259/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
16000 Red Bass, Jacksonville, FL 32226Listed by BEYCOME OF FLORIDA LLCAug 2026$390,000$1953/22,002510.4
15501 Shellcracker Road, Jacksonville, FL 32226Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$338,300$1853/21,8241071.1
15625 Shark Road W, Jacksonville, FL 32226Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$470,000$2273/32,0682711.1
6 Green Winged Teal Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,460,000$5295/4.52,7583322.7
10 Hickory Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$1,295,000$4423/2.52,929202.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$649,000
Price / Sq Ft$259
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,504
Acres0.56 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontYes

Community Information

Address16199 Shellcracker Road, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionBlack Hammock Island
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size24,393.6 sq ft
Parcel Number1596650311

Amenities

UtilitiesCable Available, Electricity Connected, Propane
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener, Gated, RV Access/Parking
ViewCanal, River

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringLaminate, Wood
# of Stories2
LevelsTwo
LaundryLower Level, Upper Level
Spa FeaturesAbove Ground, Private

Exterior

Exterior FeaturesBoat Ramp - Private, Dock
Patio / PorchCovered, Patio
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedMarch 20, 2026
Days on Market230
Tax Amount$8,843.32
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JASON MITCHELL REAL ESTATE FLORIDA, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Black Hammock Island

Black Hammock Island is a neighborhood in Jacksonville, FL (Duval County), ZIP 32226.

View all Black Hammock Island homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 18, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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