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16039 SHELLCRACKER Road, Jacksonville, FL, 32226

3beds
2baths
2,119sqft
$1,100,000
$519price/sqft
$8,163/moest. monthly cost
$326,520/yrincome needed

About This Home

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! ⛵️

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

5/10
4/10
Oceanway SchoolGrades 6-810.1 mi
2/10
First Coast High SchoolGrades 9-128.5 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1991

Materials

  • Roof: Shingle
  • Construction materials: Other,Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Ceiling Fan(s),Entrance Foyer,Open Floorplan,Pantry,Smart Thermostat,Vaulted Ceiling(s),Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,564
  • Total interior livable area: 2,119 sqft

Property

Details

  • Parcel number: 1596740029
  • Attached to another structure: Yes
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Wrap Around
  • Exterior features: Fire Pit,Other
  • Fencing: Back Yard,Wood,Other
  • Has view: Yes
  • View description: Ocean,River,Water
  • Has water view: Yes
  • Water view: Ocean,River,Water
  • On waterfront: Yes
  • Waterfront features: Navigable Water,Ocean Access,River Front,Seawall

Lot

  • Lot size: 0.47 Acres
  • Features: Other

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Wildfire
Cold Wave
Hurricane
Heat Wave
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Duval County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,562$66,744
Home Insurance *$710$8,520
Property Taxes $1,678$20,136
Electricity $213$2,559
Total$8,163$97,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,874/yr
40% on housing$244,890/yr
45% on housing$217,680/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$519This listing

vs Other Active Listings

Avg $/sqft

ZIP 32226$235
Duval County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 32226$190
Duval County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-01-02Listed for sale$1,100,000
2023-04-17Sold$759,000
2023-04-03Pending sale$769,000
2023-02-24Price change$769,000
2022-12-05Listed for sale$775,000
2022-05-23Listing removed--
2022-04-26Listed for rent$3,900
2021-12-30Sold$699,000
2021-12-09Pending sale$699,000
2021-11-29Contingent$699,000
2021-11-18Listed for sale$699,000
2020-01-13Sold$467,000
2020-01-08Listed for sale$489,500
2019-10-01Pending sale$489,500
2019-07-26Price change$489,500
2019-06-13Listed for sale$495,000
2014-09-08Sold$365,000
2013-12-16Listing removed$389,900
2013-09-20Price change$389,900
2013-06-01Price change$399,900
2013-05-04Listed for sale$414,900
2013-01-18Sold$215,300
2011-08-31Listing removed$459,000
2011-07-17Price change$459,000
2011-05-29Listed for sale$469,000
1997-12-29Sold$183,000

For Sale by Agent

AgentSANDRA LUZ PEREZ-OCHOA
BrokerageHERRON REAL ESTATE LLC

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