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.
For sale
$950,000
498 SW Manatee Ter, Fort White, FL 32038
3beds
2,628sqft
Est.:
Single Family Residence
Built in 1973
0.89 Acres Lot
$951,200 Zestimate®
$361/sqft
$-- HOA
What's special
Floating dockGranite countertopsPeaceful water viewsBright and welcoming atmosphereUnforgettable sunsetsOpen-concept designPrivate boat ramp
- 4 days |
- 379 |
- 10 |
Zillow last checked: 7 hours ago
Listing updated: March 11, 2026 at 05:34am
Listed by:
Brad Smith 352-221-5257,
United Country Smith & Associates 352-463-7770
Source: NFMLS,MLS#: 130544
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Kitchen, Dining Room, Family Room, Living Room
Heating
- Central Electric
Cooling
- Central Air
Appliances
- Included: Water Softener Owned, Refrigerator, Microwave, Dishwasher, Electric Range, Range Hood
- Laundry: In Garage
Features
- Ceiling Fan(s), Vaulted Ceiling(s), High Speed Internet, Granite Counters
- Flooring: Carpet Vinyl, Hardwood, Carpet, Tile
- Windows: Insulated Windows
Interior area
- Total structure area: 2,628
- Total interior livable area: 2,628 sqft
Property
Parking
- Parking features: 3+ Car, Garage, Garage Door Opener
- Has garage: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Rear Porch
- Exterior features: Sprinkler System
- Fencing: Fenced
- On waterfront: Yes
- Waterfront features: River Front
- Body of water: Santa Fe
Lot
- Size: 0.89 Acres
- Dimensions: .89
Details
- Parcel number: 00000000569001 (2653)
- Zoning: AE
- Other equipment: Sprinkler System
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Block, Frame, Fiber Cement
- Roof: Metal
Condition
- New construction: No
- Year built: 1973
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
Community & HOA
Community
- Subdivision: Three Rivers Estates
HOA
- Has HOA: No
Location
- Region: Fort White
Financial & listing details
- Price per square foot: $361/sqft
- Tax assessed value: $414,278
- Annual tax amount: $3,347
- Date on market: 3/9/2026
Estimated market value
$951,200
$904,000 - $999,000
$2,050/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/9/2026 | Listed for sale | $950,000-5%$361/sqft |
Source: | ||
| 1/5/2026 | Listing removed | $999,850$380/sqft |
Source: | ||
| 8/26/2025 | Price change | $999,850-4.8%$380/sqft |
Source: | ||
| 7/9/2025 | Listed for sale | $1,050,000+90.9%$400/sqft |
Source: | ||
| 8/13/2016 | Listing removed | $550,000$209/sqft |
Source: BISHOP REALTY, INC.COLD B #93403 Report a problem | ||
| 2/12/2016 | Listed for sale | $550,000+223.5%$209/sqft |
Source: BISHOP REALTY, INC.COLD B #93403 Report a problem | ||
| 2/16/2006 | Sold | $170,000$65/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,347 +2.7% | $251,481 +3% |
| 2023 | $3,260 +2.9% | $244,156 +3% |
| 2022 | $3,169 +2.2% | $237,045 +3% |
| 2021 | $3,099 +6.1% | $230,141 +1.4% |
| 2020 | $2,921 -10% | $226,964 +2.3% |
| 2019 | $3,246 | $221,861 +1.9% |
| 2018 | $3,246 +2.1% | $217,724 +1% |
| 2017 | $3,181 | $215,605 +0.8% |
| 2016 | $3,181 +2.3% | $213,985 +7.7% |
| 2015 | $3,109 +3.5% | $198,669 +0.8% |
| 2014 | $3,005 | $197,092 +0.3% |
| 2013 | -- | $196,419 -0.5% |
| 2012 | -- | $197,308 -1.3% |
| 2011 | -- | $199,844 -11.3% |
| 2010 | -- | $225,322 -1.7% |
| 2009 | -- | $229,265 -4.9% |
| 2008 | -- | $241,087 +1.7% |
| 2007 | -- | $237,147 +159.6% |
| 2006 | -- | $91,343 +3% |
| 2005 | -- | $88,683 +3% |
| 2004 | -- | $86,100 +1.9% |
| 2003 | -- | $84,495 +2.4% |
| 2002 | -- | $82,515 +1.6% |
| 2001 | -- | $81,216 +2.6% |
| 2000 | -- | $79,165 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$5,788/mo
Principal & interest
$4616
Property taxes
$1172
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Climate risks
Neighborhood: 32038
Nearby schools
GreatSchools rating
- 3/10Fort White Elementary SchoolGrades: PK-5Distance: 3.5 mi
- 4/10Fort White High SchoolGrades: 6-12Distance: 3.6 mi






