16229 SHELLCRACKER ROAD, JACKSONVILLE, FL, 32226
Active69 days on marketListed May 14, 2026MLS #W7885685
About this home
16229 SHELLCRACKER ROAD
**Huge Price Improvement!!!** Canal-front home on Black Hammock Island situated on a quiet and secluded 1.13-acre lot featuring a sizable pond and scenic water views. Originally a manufactured home, the residence has been bricked in and expanded with a substantial addition featuring its own private entrance, and is now classified as a single-family home. This spacious property offers a large primary suite, a private in-law suite, and three additional guest bedrooms with a shared bathroom, making it ideal for multigenerational living. Enjoy outdoor living with a covered front porch and a side covered porch connecting the main house to the oversized detached garage of nearly 1,000 sq ft. The detached garage was originally designed as a 3.5-car tandem garage, with one bay converted into additional living space that can be used as a flex room and features its own window unit. The garage still offers ample storage space, currently utilized as a laundry room, along with attic storage and an upper-level patio and a large deck overlooking peaceful views. A large deck attached to the garage overlooks the canal and pond, providing the perfect setting for entertaining or relaxing in a peaceful, tranquil environment. The property is in need of repairs and updates and is being sold as-is.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,928
Sqft
1.13 ac
Lot size
2
Garage
1987
Year built
One
Levels
$120
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,834 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,834/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Black Hammock Island
Get to know Jacksonville. See the full Jacksonville guide →
Black Hammock Island — neighborhood snapshot
Population
1,211
Median age
45
Median income
$136,328
Median home value
$175,700
Avg household
3
Households w/ children
120
For the school run
Duval County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jacksonville market
$324K → $341K
Jacksonville median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the JACKSONVILLE 32226 median. See the full Jacksonville market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16229 SHELLCRACKER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16229 SHELLCRACKER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
16229 SHELLCRACKER ROAD FAQs
What would the monthly payment be for 16229 SHELLCRACKER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,834/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 16229 SHELLCRACKER ROAD?+
The most recent tax bill on record (2025) was $5,511. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Jacksonville?+
At $350,000, this home is listed about 24% above the Jacksonville median of $282,000. The market section on this page shows how the area is trending.
Which schools are assigned to 16229 SHELLCRACKER ROAD?+
New Berlin Elementary School (elementary), First Coast High School (high), Oceanway School (middle) — Duval County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the JACKSONVILLE 32226 market on paper
$350,000 is 10% below the JACKSONVILLE 32226 median of $389,000, and at $120/sqft it sits under the Jacksonville average of $183.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
69 days on market against a Jacksonville median of 32 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $420,000, now $350,000 — a $70K cut. The full history is in the market section below.
Listing courtesy of EXP REALTY LLC · Selinda Moore, PA. MLS #W7885685.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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