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15501 SHELLCRACKER Road, Jacksonville, FL, 32226

3beds
2baths
1,824sqft
$375,000
$206price/sqft
$2,804/moest. monthly cost
$112,160/yrincome needed

About This Home

Discover the rare beauty of life on Black Hammock Island. This private retreat set on over three breathtaking acres along the marsh has sweeping views across the water toward Amelia Island. This property offers an unparalleled backdrop of tidal creeks, native wildlife, and ever-changing coastal skies. Wake up early and step onto the expansive deck to watch the sun rise in brilliant color over the marsh. Spend peaceful afternoons on the screened-in patio, where cool breezes and the gentle sounds of nature create the perfect setting to unwind, read, or gather with friends. Whether it's morning coffee or evening relaxation, the outdoor living spaces are designed to fully embrace the serene surroundings. Inside, the home is ready for your personal touch. Much of the flooring update has already been started, providing an opportunity for the next owner to complete the vision and truly make it their own. With solid beginnings in place, this property invites creativity and customization while offering the privacy and tranquility that only island living can provide. Importantly, the property has already undergone significant updates designed to strengthen and protect the home, including improvements made to shore up the structure and enhance flood prevention. These thoughtful upgrades provide added peace of mind while preserving the natural beauty and integrity of the surrounding marshland. If you've been dreaming of space, marsh views, and a slower pace of life immersed in nature, this Black Hammock Island retreat is ready to become your coastal sanctuary.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

5/10
4/10
Oceanway SchoolGrades 6-810.2 mi
2/10
First Coast High SchoolGrades 9-128.6 mi

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Ceiling Fan(s),Eat-in Kitchen,His and Hers Closets,Open Floorplan,Pantry,Split Bedrooms
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Split System

Interior Area

  • Total interior livable area: 1,824 sqft

Property

Details

  • Parcel number: 1596840235

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Patio,Screened
  • Exterior features: Balcony
  • Has view: Yes
  • View description: River,Trees/Woods,Water
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: Marsh,Navigable Water,River Front,Seawall

Lot

  • Lot size: 3.77 Acres
  • Features: Irregular Lot,Wetlands

Parking

  • Parking features: Off Street,Other

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 $1,896$22,752
Home Insurance *$242$2,904
Property Taxes $469$5,628
Electricity $197$2,366
Total$2,804$33,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,137/yr
40% on housing$84,120/yr
45% on housing$74,773/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

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 32226$241
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
2026-03-04Listed for sale$375,000
2019-09-30Sold$199,250
2019-08-30Pending sale$199,900
2019-07-10Listed for sale$199,900
2018-12-01Listing removed$229,900
2018-07-26Price change$229,900
2018-05-23Price change$269,900
2018-04-27Price change$300,000
2018-03-30Price change$309,900
2018-03-02Price change$314,900
2018-01-23Listed for sale$325,000
2017-08-16Sold$134,100
2013-05-19Listing removed$155,500
2013-05-09Listed for sale$155,500
2004-04-26Sold$200,000
2002-12-31Sold$165,000
1999-03-01Sold$95,000
1996-07-09Sold$50,700

For Sale by Agent

AgentKRYSTAL PAULSON
BrokerageCOLDWELL BANKER VANGUARD REALTY

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