This home is in Jacksonville — a waterfront home in Jacksonville.
Active·58 days on market
15974 Shark Road W
Jacksonville, FL 32226
About this home
Jacksonville
There's a certain kind of quiet you only find on Black Hammock Island -- the kind that arrives the moment you cross the bridge and feel your shoulders drop. Tucked along Shark Road West, this nearly 2,000-square-foot waterfront retreat hands you something the mainland simply can't: deep water at your own private dock, the smell of salt in the morning air, and a slower way of living that you didn't realize you'd been missing. Picture it. The sun is just beginning to lift over the marsh and the tide is rolling in. You walk out the back door with coffee in hand, step onto your dock, and the boat is already waiting deep water, no tide-clock to keep, just untie and go. Whether you're chasing redfish before breakfast, running the Intracoastal toward Amelia Island, or simply watching the sky turn gold from the water, this is the lifestyle people drive past on Heckscher Drive and quietly wish they had. Inside, three bedrooms and two baths stretch across 1,983 thoughtfully laid-out square feet
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $428,327 | $170,276 | — |
| 2024 | $405,328 | $164,770 | ▼ $454 |
| 2023 | $395,712 | $158,515 | — |
| 2022 | $293,638 | $152,442 | ▲ $10,026 |
| 2021 | $270,019 | $141,783 | — |
| 2020 | $238,116 | $139,136 | ▲ $14,687 |
2025 property taxes (current owner): $3,557/yr
Estimated taxes if purchased at asking price: ~$11,300/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.
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 1998)
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: ~1,777 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 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
Price & status history
- Jul 24, 2026Price change$575,000−$25,000
- Jun 11, 2026Listed$600,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines