This home is in Black Hammock Island, Jacksonville — a waterfront home in Jacksonville.
$945,000Sold3 bd · 2.5 ba · 2,600 sq ft
Sold·Closed Sep 23, 2026·15 days on market·Recent sales in Black Hammock Island·Black Hammock Island
19045 Waterville Road
Jacksonville, FL 32226
7 more homes for sale in Black Hammock Island →Search Black Hammock Island on the map
About this home
Black Hammock Island
Waterfront Oasis on 1.79 Acres, Marsh Views, Navigable Water & Paddleboarding from your backyard. Escape to serene coastal living in this beautiful single-family home 2,600 sq ft of living space plus an additional 2,699 sq ft on the first level. This 3-bedroom, 2.5-bathroom plus an office, has generous room for comfortable living and entertaining. Inside an open layout highlighted by triple sliders in the living room and kitchen that connects indoor and outdoor spaces. Living room also features a gas fireplace. Wake up each morning in the primary bedroom and enjoy your private balcony overlooking the marsh. The primary bedroom includes a walk in closet. The expansive backyard is ideal for a dock or pool. The large first-level offers flexibility for a home office, guest suite, workshop, car collection, gym or storage. No HOA means total freedom to enjoy your slice of paradise. This island community offers: boat launch, pickle ball, nature trails, seasonal farmers market, Food trucks.
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).
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.
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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 2018)
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: ~1,682 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
Dune Walk 11061 min drive · 19 parking spaces
Closest park or preserve
Big Talbot Island State Parkabout 3 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 3 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Park20 min drive · Baseball, Football, Softball
Closest grocery store
Harris Teeterabout 4 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $820,751 | $611,018 | — |
| 2024 | $823,625 | $593,091 | — |
| 2023 | $809,363 | $574,361 | — |
| 2022 | $618,747 | $556,176 | ▼ $120,330 |
| 2021 | $628,742 | $534,005 | ▲ $48,762 |
| 2020 | $617,955 | $525,942 | ▲ $20,750 |
2025 property taxes (current owner): $11,417/yr
Estimated taxes if purchased at asking price: ~$18,500/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
- Nov 3, 2026Closed$1,049,000
- Sep 21, 2026Pending$1,049,000
- Jul 7, 2026Active Under Contract$1,049,000
- Jun 22, 2026Listed$1,049,000
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 $363/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 16250 Red Bass Drive, Jacksonville, FL 32226Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Nov 2025 | $275,000 | $107 | 4/3 | 2,560 | 202 | 0.2 |
| 16387 Waterville Road, Jacksonville, FL 32226Listed by THE LEGENDS OF REAL ESTATE | Sep 2025 | $2,400,000 | $820 | 3/3.5 | 2,926 | 81 | 0.2 |
| 16000 Red Bass, Jacksonville, FL 32226Listed by BEYCOME OF FLORIDA LLC | Aug 2026 | $390,000 | $195 | 3/2 | 2,002 | 51 | 0.3 |
| 16000 Red Bass Drive, Jacksonville, FL 32226Listed by CROSSVIEW REALTY | May 2025 | $335,000 | $167 | 3/2 | 2,002 | 2 | 0.3 |
| 16229 Shellcracker Road, Jacksonville, FL 32226Listed by EXP REALTY LLC | Oct 2026 | $305,000 | $104 | 5/3 | 2,928 | 139 | 0.4 |
| 16199 Shellcracker Road, Jacksonville, FL 32226Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC. | Jun 2026 | $635,000 | $254 | 5/3 | 2,504 | 230 | 0.5 |
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: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 23, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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