This home is in Jacksonville — a waterfront home in Jacksonville.
Pending·24 days on market
16229 Shellcracker Road
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Canal-front home on Black Hammock Island situated on a quiet and secluded 1.13-acre lot featuring a sizable pond and scenic water views. Originally a manufactured home, the residence has been bricked in and expanded with a substantial addition featuring its own private entrance, and is now classified as a single-family home. This spacious property offers a large primary suite, a private in-law suite, and three additional guest bedrooms with a shared bathroom, making it ideal for multigenerational living. Enjoy outdoor living with a covered front porch and a side covered porch connecting the main house to the oversized detached garage of nearly 1,000 sq ft. The detached garage was originally designed as a 3.5-car tandem garage, with one bay converted into additional living space that can be used as a flex room and features its own window unit.
Next steps in Jacksonville
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 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: Shingle — year not disclosed (home built 1987)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,653 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 September 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,511/yr
Estimated taxes if purchased at asking price: ~$6,900/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, NEFMLS.
History
Price & status history
- Sep 25, 2026Pending$350,000
- Sep 24, 2026Active Under Contract$350,000
- Sep 16, 2026Listed$350,000
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 $442/sq ft; this home is listed at $120/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 16199 Shellcracker Road, Jacksonville, FL 32226Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Jun 2026 | $635,000 | $254 | 5/3 | 2,504 | 230 | 0.1 |
| 15625 Shark Road W, Jacksonville, FL 32226Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $470,000 | $227 | 3/3 | 2,068 | 271 | 1.1 |
| 95045 Shurwall Lane, Fernandina Beach, FL 32034Listed by RE/MAX SPECIALISTS PV | Apr 2026 | $1,917,500 | $615 | 4/2.5 | 3,117 | 182 | 2.6 |
| 6 Green Winged Teal Road, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $1,460,000 | $529 | 5/4.5 | 2,758 | 332 | 2.7 |
| 10 Hickory Lane, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $1,295,000 | $442 | 3/2.5 | 2,929 | 20 | 2.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY 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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines