498 SW MANATEE TERRACE, FORT WHITE, FL, 32038
Active150 days on marketListed Mar 9, 2026MLS #GC538291
About this home
498 SW MANATEE TERRACE
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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,628
Sqft
0.89 ac
Lot size
3
Garage
1973
Year built
Two
Levels
$341
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.
$5,601 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,601/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Fort White actives
$341 vs $260
Days on market
150 vs 70 typical
Where $341/sqft sits among the 14 Fort White actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Three Rivers Estates
Get to know Fort White. See the full Fort White guide →
Three Rivers Estates — neighborhood snapshot
Population
1,724
Median age
46
Median income
$51,123
Median home value
$161,335
Avg household
3
Households w/ children
186
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort White market
$330K → $351K
Fort White median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
9 of 14
Fort White actives have cut their price
Median sold price, Fort White, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 246% above the FORT WHITE 32038 median. See the full Fort White market guide →
Paper trail
This home's history
Reality check
What actually sold near 498 SW MANATEE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$175,000
992 SW NEWARK DRIVE · same community
3 bd · 2 ba · 1,836 sqft · $95/sqft · 79 DOM
Sold · Aug ’25$395,000
4390 288 STREET · same community
3 bd · 2 ba · 1,800 sqft · $219/sqft · 178 DOM
Sold · Oct ’25$200,000
225 SW CALIFORNIA TERRACE · same community
3 bd · 2 ba · 1,792 sqft · $112/sqft · 58 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 498 SW MANATEE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 498 SW MANATEE TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
498 SW MANATEE TERRACE FAQs
What would the monthly payment be for 498 SW MANATEE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,601/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 498 SW MANATEE TERRACE?+
The most recent tax bill on record (2025) was $3,311. 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 Fort White?+
At $895,000, this home is listed about 136% above the Fort White median of $379,000. The market section on this page shows how the area is trending.
Which schools are assigned to 498 SW MANATEE TERRACE?+
Fort White Elementary School (elementary) — Columbia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$895,000 runs 246% above the FORT WHITE 32038 median — but at 2,628 sqft it's also 56% larger than the typical Fort White listing.
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
150 days on market against a Fort White median of 70 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $950,000, now $895,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Brad Smith. MLS #GC538291.
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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