This home is in Black Hammock Island, Jacksonville — a waterfront home in Jacksonville.
$985,0003 bd · 2 ba · 2,119 sq ft
Active·191 days on market·Black Hammock Island
16039 Shellcracker Road
Jacksonville, FL 32226
6 more homes for sale in Black Hammock Island →Search Black Hammock Island on the map
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About this home
Black Hammock Island
Experience the Best of Coastal Living where the Nassau River meets the ocean! Imagine waking up to breathtaking sunrises and winding down with stunning sunsets from your expansive wraparound deck. This waterfront gem is designed for outdoor enthusiasts, featuring a built-in firepit and direct access to the Nassau River for premier fishing, boating, and beautiful views of Amelia Island just across the water. Whether you're roasting marshmallows at the deck firepit, casting a line from your backyard, or hopping on the boat for a sunset cruise, this home is all about the views. ✨ The Specs: ✅ Newer Roof & Siding ✅ Granite Countertops + LPV/Tile Floors ✅ No Flood Insurance Required! Tour this home before this one sails away! ⛵️
Next steps in Black Hammock Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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: Shingle — year not disclosed (home built 1991)
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: ~1,686 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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Amelia Island State Park63 min drive · 80 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 2 mi · 11.2 mi of trails
Closest public boat ramp
Big Talbot Island State Park Boat Rampabout 2 mi · Nassau Sound / Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 2 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Park20 min drive · Baseball, Football, Softball
Closest grocery store
Harris Teeterabout 5 mi · 4800 1st Coast Highway, Fernandina Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $759,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $712,800 | $712,800 | — |
| 2024 | $689,477 | $689,477 | ▼ $413 |
| 2023 | $678,953 | $599,515 | — |
| 2022 | $545,014 | $545,014 | ▲ $4,640 |
| 2021 | $400,061 | $350,061 | — |
| 2020 | $356,793 | $356,793 | ▲ $22,410 |
2025 property taxes (current owner): $13,030/yr
Estimated taxes if purchased at asking price: ~$19,300/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.
History
Price & status history
- Aug 30, 2026Price change$985,000−$115,000
- Apr 29, 2026Listed$1,100,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $195/sq ft; this home is listed at $465/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 16209 Shellcracker Road, Jacksonville, FL 32226Listed by PREMIER HOMES REALTY INC | Nov 2025 | $680,000 | $294 | 3/3 | 2,313 | 78 | 0.3 |
| 16199 Shellcracker Road, Jacksonville, FL 32226Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Jun 2026 | $635,000 | $254 | 5/3 | 2,504 | 230 | 0.4 |
| 16190 Sawpit Road, Jacksonville, FL 32226Listed by VREELAND REAL ESTATE LLC | Mar 2026 | $220,000 | $128 | 3/2 | 1,713 | 7 | 0.6 |
| 15501 Shellcracker Road, Jacksonville, FL 32226Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $338,300 | $185 | 3/2 | 1,824 | 107 | 0.7 |
| 16000 Red Bass, Jacksonville, FL 32226Listed by BEYCOME OF FLORIDA LLC | Aug 2026 | $390,000 | $195 | 3/2 | 2,002 | 51 | 0.8 |
| 16250 Red Bass Drive, Jacksonville, FL 32226Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Nov 2025 | $275,000 | $107 | 4/3 | 2,560 | 202 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE 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 →Keep looking
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Krista Fracke
Broker Associate
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