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·60 days on market

16225 Shellcracker Road

Jacksonville, FL 32226

$595,000Est. $3,056/moMLS# 2151727

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About this home

Jacksonville

Discover an exceptional waterfront opportunity at 16225 Shellcracker Rd. Build your dream coastal retreat on this prime homesite featuring breathtaking water views, direct boating access, and outstanding fishing right from your backyard. A brand-new seawall is already installed, and the hard work has been done with a custom luxury home design, complete architectural and engineering plans, and a geotechnical soil report ready for construction. Designed for a durable, energy-efficient ICF home, this property is truly shovel-ready, saving you time and expense. Whether you're seeking a private waterfront escape or a legacy home, this is your chance to create paradise in one of Jacksonville's most scenic waterfront settings. Current Mobil Home is occupied, rent $1100. Do not disturb tenants, showings by appointment only. Property is sold for land and future build out value. Tenant wants and will stay until construction starts. Current home design is roughly 3200 sq,ft, with 4 car garage

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,056

Principal & Interest: $3,056

Property taxes (est.): $972

Insurance (est.): $397

Estimated Total Monthly

$4,424

*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$3,056

Property taxesest. at asking price, Duval County$972

Estimated total, before insurance$4,027/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,762/yr · $480/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).

Cost to own

Taxes & assessment

Last sold: $410,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$305,415	$305,415	—
2024	$287,004	$287,004	▼ $494
2023	$271,856	$206,188	—
2022	$200,833	$187,444	▲ $3,706
2021	$190,167	$170,404	—
2020	$166,836	$154,913	▲ $10,100

2025 property taxes (current owner): $5,762/yr

Estimated taxes if purchased at asking price: ~$11,700/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).

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