61 days on marketManufactured Home▼ Price cut: $25,000 (8/4)
$575,000
3-Bedroom Manufactured Home in Black Hammock Island
15974 SHARK Road, Jacksonville, FL 32226
Manufactured Home in Black Hammock Island, Jacksonville · No CDD
Black Hammock Island · Jacksonville, FL 32226 · Duval
Listing data updated August 11, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,983Sq Ft
1998Year Built
$290Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$290 here vs $266 median sold (12 mo)
Buyer leverage
Seller-leaning
61 days on market
4.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~6 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $575,000 — recent neighborhood median sale price ~$584,338 (nearby sales; deemed reliable, not an appraisal)
61 days on market
HOA ~$50/mo (estimate; confirm)
School district: CDD County Duval County Florida Schools Duval County Public SchoolsCommunity built 1948–2027Pumpkin Hill Creek Preserve State Park · 7 min drivePublix · 8 min driveNorthpoint Village Shopping Center · 8 min drive
Momentum Research · Black Hammock Island
Pricing & the Black Hammock Island market
How this home is priced against recent nearby sales, and where Black Hammock Island has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Black Hammock Island
Each dot is a closed sale since 2001 (228 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $290/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 40 (normal).
Property timeline
This home’s history
1998BuiltPer public record
Jul 2, 2026First trackedObserved at $600,000
Aug 4, 2026Price cut$575,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,773/mo
Principal & interest $2,914/mo77%
Taxes $546/mo14%
Insurance $264/mo7%
HOA $50/mo1%
$3,773/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current Duval County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,050/yr ($254/mo)
+$6,325 more each year
(+207%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$258,051
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
60/100
Strongest on: Pricing power (100), Flood safety (90)
0 limited50100 exceptional
60/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area27
This home $290/sq ft vs the community 12-month median $266/sq ft.
Affordability53
List price $575,000 vs the community median $584,338. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1998 build. Obtain a property-specific quote.
Market liquidity32
Community median 108 days on market, ~4.6 months of supply (12-month record).
Renovation upside32
From a 1998 build and $290/sq ft vs the community median $266/sq ft. Not a condition assessment.
Buyer competition75
25% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power100
Recent sales closed at about 87.3% of original asking (~12.7% below). More room below asking generally favors buyers.
Market timing60
Momentum Market Heat is 40/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.6 months of supply in the surrounding market and 61 days on market for this home, against a 108-day area median.Days on market:this home 61Area median: 108 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $290 per square foot, about 9% above the community’s $266 median. Black Hammock Island’s 12-month median sold price per square foot is $266. Median sold price per square foot is up 7.3% year over year. Confidence: Medium · 14 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
65% of homes in Black Hammock Island are owner-occupied. An estimated 35% are non-owner-occupied, including 7% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 468 homes matched. Community-level context.
Recent Black Hammock Island sales closed near 87.3% of original asking. Cash paid for about 25% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in Black Hammock Island, no CDD assessment.
Updated August 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
There's a certain kind of quiet you only find on Black Hammock Island -- the kind that arrives the moment you cross the bridge and feel your shoulders drop. Tucked along Shark Road West, this nearly 2,000-square-foot waterfront retreat hands you something the mainland simply can't: deep water at your own private dock, the smell of salt in the morning air, and a slower way of living that you didn't realize you'd been missing. Picture it.
The sun is just beginning to lift over the marsh and the tide is rolling in. You walk out the back door with coffee in hand, step onto your dock, and the boat is already waiting deep water, no tide-clock to keep, just untie and go. Whether you're chasing redfish before breakfast, running the Intracoastal toward Amelia Island, or simply watching the sky turn gold from the water, this is the lifestyle people drive past on Heckscher Drive and quietly wish they had.
Inside, three bedrooms and two baths stretch across 1,983 thoughtfully laid-out square feet room to host the guests who fly in for the holidays, room for an office that looks out over the water, and room to actually exhale. Outside, the property keeps giving: a 20x20 garage built for the projects, the tools, the workshop you've been dreaming about, plus a dedicated RV pad so the rig stays home where it belongs. Bring the boat.
Bring the camper. Bring the dog. There's space for all of it.
Black Hammock Island stays one of Northeast Florida's best-kept secrets, minutes to the Nassau Sound, an easy run to downtown Jacksonville, and a world away from the noise. True deep-water homes with private docks on this island don't come up often, and the buyers who know the island know exactly why. Come stand on the dock.
Watch the tide move. You'll feel it before you finish the tour.
Description provided by KELLER WILLIAMS FIRST COAST REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$575,000
Bed / bath3 / 2
Living area1,983 sq ft
Year built1998
Property typeManufactured Home
Garage2-car
MLS #2150110
Listing status61 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~6 ft
Windstorm exposureModerate
CountyDuval
Area listings5 active · 2 under contract
Estimated first-year tax~$6,555/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$290
Estimated monthly payment$3,773
Insurance (illustrative)$2k–$4k/yr
Messtimate range$366,855 – $646,458
Comparable-sales median$584,338
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$366,855the mess$646,458
Actual list price: $575,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 76% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 61 days on market vs. a 108-day community median
5 active listings competing, 2 under contract
≈4.6 months of supply
13 closed here in the last 12 months
For reference, this home is listed at $575,000 ($290/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,983 sq ft × $185–$326/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 11, 2026.
Keep looking
Similar homes for sale near Black Hammock Island
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $575,000Momentum Realty · on market 61 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,555/yr
A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Black Hammock Island
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Black Hammock Island neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$584,338
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$266
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Black Hammock Island
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 24 miles southwest of Black Hammock Island, elsewhere in Duval County.
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 16 miles southwest of Black Hammock Island, elsewhere in Duval County.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles south of Black Hammock Island.
JAXPORT details $250M Blount Island modernization and record cargo in 2026 State of the Ports
At its February 2026 State of the Ports address, JAXPORT outlined a $250 million modernization of Blount Island's container and vehicle-handling capabilities and reported record fiscal-2025 cargo volumes. The port also said an air-draft expansion to accommodate larger ships is on track to finish by the end of 2026.
Why it matters: Continued heavy investment in the Blount Island port complex anchors long-term industrial employment on the northeast side, a structural demand driver for the surrounding area. The site is about 8 miles south of Black Hammock Island.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 8 min
Dining
Nagasaki Japanese Restaurant 9 min
Shopping
Northpoint Village Shopping Center 8 min
Parks
Pumpkin Hill Creek Preserve State Park 7 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
New Berlin Elementary SchoolPublic PreK-5 · Duval County School District · Grade A (Florida DOE 2025-26)
Oceanway Middle SchoolPublic 6-8 · Duval County School District
GRADEC
First Coast High SchoolPublic 9-12 · Duval County School District · Grade C (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$640,000
16062 SHARK Road, Jacksonville
4 / 3 bd/ba · 1,966 sq ft · $326/sq ft
Courtesy of JASON MITCHELL REAL ESTATE FLORIDA, LLC. · View details →
Sold Jun 2026
$470,000
15625 SHARK Road, Jacksonville
3 / 3 bd/ba · 2,068 sq ft · $227/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jul 2026
$338,300
15501 SHELLCRACKER Road, Jacksonville
3 / 2 bd/ba · 1,824 sq ft · $185/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Apr 2026
$760,000
16026 SHARK Road, Jacksonville
3 / 2 bd/ba · 2,178 sq ft · $349/sq ft
Courtesy of JASON MITCHELL REAL ESTATE FLORIDA, LLC. · View details →
Sold Mar 2026
$220,000
16190 SAWPIT Road, Jacksonville
3 / 2 bd/ba · 1,713 sq ft · $128/sq ft
Courtesy of VREELAND REAL ESTATE LLC · View details →
Sold Apr 2026
$628,677
15725 SHARK Road, Jacksonville
4 / 3 bd/ba · 2,264 sq ft · $278/sq ft
Courtesy of LISA DUKE REALTY LLC · View details →
Community 12-month median: $266/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,635 – $3,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,220 – −$142At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 11, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 15974 SHARK Road in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
