When your router sees a packet destined for one of its interfaces, it will not forward the packet to your ISP.
Here's a little more detail: Your router uses a routing table. The router looks at the destination IP on a packet and uses the table to look up where to send it. If there is a specific entry for that IP or for a subnetwork containing that IP, it will use that interface to send the packet.
There is a special route called "default" that matches any other packet. Typically the only packets that go to your ISP are ones that match the default route. In your case above, the router sees that it has an interface that matches your destination IP (its own interface) and delivers it there (to itself).
Depending on how your network is set up, however, this may not result in the best way to transfer a file.