Single Family Residence at 498 SW MANATEE TER, FORT WHITE
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 2 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 3 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 4 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 5 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 6 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 7 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 8 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 9 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 10 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 11 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 12 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 13 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 14 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 15 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 16 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 17 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 18 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 19 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 20 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 21 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 22 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 23 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 24 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 25 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 26 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 27 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 28 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 29 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 30 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 31 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 32 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 33 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 34 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 35 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 36 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 37 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 38 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 39 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 40 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 41 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 42 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 43 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 44 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 45 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 46 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 47 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 48 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 49 of 50
Single Family Residence at 498 SW MANATEE TER, FORT WHITE, photo 50 of 50
50 photos

$895,000

498 SW MANATEE TER
FORT WHITE, FL 32038
Listed by Brad Smith · UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY
Bedrooms
3
Bathrooms
2
Living area
2,628 sqft
Year built
1973

About this home

Experience the beauty of true North Florida river living in Fort White, just off the crystal-clear waters of the Santa Fe River. Situated on almost a full acre, this gated and fully fenced 3 bedroom, 2 bath home offers the perfect blend of privacy, comfort, and waterfront lifestyle. Inside, the open-concept design creates a bright and welcoming atmosphere, ideal for gathering with family and friends. The kitchen is the heart of the home, featuring granite countertops, generous cabinet space, and an easy flow into the living and dining areas. A complete remodel in 2007 brought thoughtful updates and modern touches while maintaining a warm, inviting feel throughout. Step out onto the covered balcony overlooking the river and take in peaceful water views and unforgettable sunsets. Whether you're sipping your morning coffee, watching wildlife drift by, or winding down after a day on the water, this outdoor space is truly special. With your own floating dock and private boat ramp, enjoying the Santa Fe is effortless — from boating and kayaking to fishing right in your backyard. Practical features make everyday living just as enjoyable. The property includes a 3-car garage, outside elevator for added convenience, sprinkler system, whole-house generator, and trash pickup service. An optional HOA provides access to a nearby park, giving you even more room to enjoy the outdoors. This is more than just a home — it’s a riverfront retreat where you can relax, entertain, and make lasting memories.

Highlights

Waterfront

Property details

MLS
Stellar MLS
MLS #
MFRGC538291
Property type
Single Family Residence
Subdivision
THREE RIVERS ESTATES
Status
Active
Days on market
123
On market date
March 9, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
3
Parking spaces
N/A
Lot size
0.89 acres
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
FORT WHITE ELEMENTARY SCHOOL
3.48 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
639
Student:teacher ratio
17.3:1
District
COLUMBIA
Middle
None found nearby
High
FORT WHITE HIGH SCHOOL
3.64 mi away · Grades 6-12
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,136
Student:teacher ratio
16.5:1
District
COLUMBIA

Walkability

Blended score for FORT WHITE's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

12
Very car-dependent
out of 100
EPA National Walkability Index
4.0 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in FORT WHITE, from live MLS data.

On the market 123 days -- 49 more days than FORT WHITE's current average of 74 days.
For reference, the median list price across 41 active listings in FORT WHITE right now is $272,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$5,540/mo
$179,000 down
$716,000 loan
Principal & interest$4,644
Property tax (est.)$746
Home insurance (est.)$150

Similar homes you might like

Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated July 10, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.