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Jim Ruddy Team
Gold Key Certification, REALTOR®, SRES, U.S. Military on the Move Certified Military Specialist
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498 SW Manatee Terr, Fort White, FL 32038

$950,000

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Property Description

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.

498 SW Manatee Terr | MLS# 130544

This farm located at 498 SW Manatee Terr, Fort White, FL 32038 is currently listed for sale with an asking price of $950,000. This property has 3 bedrooms and 2 full baths with 2628 sq. ft. SW Manatee Terr is located in the Three Rivers Estates subdivision. Search Three Rivers Estates real estate on jimruddyteam.watsonrealtycorp.com today.

Property Features

Property Type: Residential - Farm
Cooling: Central Electric
Fenced: Yes
Garage: 3
Heating: Central Electric
Home Style: Two Story
Lot Size: 0.89 Acres
Roof Type: Metal
Square Feet: 2,628

Feature Descriptions

Appliances: Water Softener Owned, Refrigerator, Microwave, Dishwasher, Gas Tank Rented, Stove Elec, Range Hood
Available Financing: Cash, Conventional
Body of Water: Santa Fe
Carport: No
Days on Site: 11
Exterior: Fence, Sprinkler System, Generator
Exterior: Concrete Block, Frame, Hardy Board
Flood Zone: AE
Flooring: Vinyl Plank, Hardwood, Carpet, Tile
Frontage: River
HOA Y/N: No
Interior: Ceiling Fans, Garage Door Opener, Vaulted Ceilings, High Speed internet, Granite Counters
Lot Dimensions: .89
Parking: 3+ Car, Garage
Porch: Back
Road: Government Maintained
Sewer: Septic Tank
Utility Location: In Garage
Water: Private Well
Windows: Insulated
Zoning: AE

Listed By / Shown By

Listed By

Agency Name: United Country Smith & Associates
Agency Phone: 352-463-7770

Shown By

Agent Name: Jim Ruddy Team
Agent Phone: (407) 718-0984
Agency Title: Watson Realty Corp., REALTORS ®

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Estimated Payment

$ 4,858.13 per month $4,581.04 Principal & Interest $0.00 Property Tax (data not provided by mls) $277.08 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 03/21/2026. The listing information on this page last changed on 03/21/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sat 03/21/2026 12:00:12 AM EST) or GAMLS (last updated Fri 03/20/2026 11:15:51 PM EST) or Stellar MLS (last updated Fri 03/20/2026 11:44:19 PM EST) or SPC MLS (last updated Fri 03/20/2026 11:20:31 PM EST) or Martin MLS (last updated Fri 03/20/2026 11:38:12 PM EST) or Indian River MLS (last updated Fri 03/20/2026 11:30:24 PM EST) or Daytona MLS (last updated Fri 03/20/2026 11:36:50 PM EST) or Northeast Florida MLS (last updated Fri 03/20/2026 11:58:46 PM EST) or Beaches MLS (last updated Fri 03/20/2026 11:57:37 PM EST) or BORMLS (last updated Fri 03/20/2026 11:16:52 PM EST) or Golden Isles MLS (last updated Fri 03/20/2026 11:26:28 PM EST) or Amelia/Nassau MLS (last updated Fri 03/20/2026 11:25:16 PM EST) or Dixie Gilchrist Levy MLS (last updated Fri 03/20/2026 11:42:16 PM EST) or NFLMLS (last updated Fri 03/20/2026 9:05:25 PM EST). Real estate listings held by brokerage firms other than Watson Realty Corp., REALTORS ® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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