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122 Monterey Avenue
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PRICED AT ONLY: $1,200,000

Address: 122 Monterey Avenue, Panama City Beach, FL 32413

Description

Happy New Year 2026, make this charming Florida Beach Cottage at 122 Monterey Avenue where original 1977 family craftsmanship meets timeless coastal living yours at a reduced price! This four bedroom, two bathroom home offers the perfect blend of vintage character and beachside convenience not often available in the highly sought after Santa Monica Beach neighborhood. The real treasure lies 400 feet from your front door. This property includes community access to deeded beach rights with no beachfront residential or commercial development allowed, preserving the natural beauty of the gulf coast, meaning your slice of paradise will remain forever. Crystal white sandy beaches, clear emerald green waters, bright blue skies and breathtaking sunsets guarantees relaxation in the most laid back environment. Gated beach access ensures privacy and exclusivity that's increasingly rare along this coveted coastline. Enter to find a well designed layout that captures the essence of old Florida charm. The first floor offers kitchen, dining, living area, three bedrooms and one bathroom. The second story, formerly a fully equipped studio apartment with exterior door access provides a large bedroom, bathroom, coffee bar and expansive decking with views to the gulf creating the perfect backdrop for morning coffee or evening relaxation. This home easily accommodates family gatherings or visiting guests who wish to experience true beach living. Bring your golf cart, bicycles and water sports gear. Plenty of onsite parking and outdoor storage. The possibilities are endless! Santa Monica Beach represents one of Panama City Beach's most desirable neighborhoods, offering the tranquility of the quiet west end. The convenience extends beyond the beach with neighboring Carousel Supermarket opened in 1967 and Thomas Donuts opened in 1971, easily accessible for all your daily necessities. Santa Monica Beach also keeps you connected to the area's vibrant dining, shopping, and entertainment scene. Whether you're seeking fine dining on 30A, adventure at nearby attractions like Pier Park, Topgolf, Dolly Parton's Pirates Voyage Dinner Theater, or simply want to unwind with the sound of waves, this location delivers both excitement and serenity. Still owned, impeccably maintained, and loved by the original owner, this beach cottage represents a rare opportunity to own a piece of Panama City Beach history while enjoying modern coastal living in a small town community. See your new home soon!

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Virtual Tour
More Like This
  • MLS#: 778175 ( Residential )
  • Street Address: 122 Monterey Avenue
  • Viewed: 113
  • Price: $1,200,000
  • Price sqft: $649
  • Waterfront: Yes
  • Wateraccess: Yes
  • Year Built: 1977
  • Bldg sqft: 1848
  • Bedrooms: 4
  • Total Baths: 2
  • Full Baths: 2
  • Garage / Parking Spaces: 1
  • Days On Market: 142

Description

Happy New Year 2026, make this charming Florida Beach Cottage at 122 Monterey Avenue where original 1977 family craftsmanship meets timeless coastal living yours at a reduced price! This four bedroom, two bathroom home offers the perfect blend of vintage character and beachside convenience not often available in the highly sought after Santa Monica Beach neighborhood. The real treasure lies 400 feet from your front door. This property includes community access to deeded beach rights with no beachfront residential or commercial development allowed, preserving the natural beauty of the gulf coast, meaning your slice of paradise will remain forever. Crystal white sandy beaches, clear emerald green waters, bright blue skies and breathtaking sunsets guarantees relaxation in the most laid back environment. Gated beach access ensures privacy and exclusivity that's increasingly rare along this coveted coastline. Enter to find a well designed layout that captures the essence of old Florida charm. The first floor offers kitchen, dining, living area, three bedrooms and one bathroom. The second story, formerly a fully equipped studio apartment with exterior door access provides a large bedroom, bathroom, coffee bar and expansive decking with views to the gulf creating the perfect backdrop for morning coffee or evening relaxation. This home easily accommodates family gatherings or visiting guests who wish to experience true beach living. Bring your golf cart, bicycles and water sports gear. Plenty of onsite parking and outdoor storage. The possibilities are endless! Santa Monica Beach represents one of Panama City Beach's most desirable neighborhoods, offering the tranquility of the quiet west end. The convenience extends beyond the beach with neighboring Carousel Supermarket opened in 1967 and Thomas Donuts opened in 1971, easily accessible for all your daily necessities. Santa Monica Beach also keeps you connected to the area's vibrant dining, shopping, and entertainment scene. Whether you're seeking fine dining on 30A, adventure at nearby attractions like Pier Park, Topgolf, Dolly Parton's Pirates Voyage Dinner Theater, or simply want to unwind with the sound of waves, this location delivers both excitement and serenity. Still owned, impeccably maintained, and loved by the original owner, this beach cottage represents a rare opportunity to own a piece of Panama City Beach history while enjoying modern coastal living in a small town community. See your new home soon!
Request More Information
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Features
Building and Construction
  • Covered Spaces: 2.00
  • Exterior Features: Deck, OutdoorShower
  • Living Area: 0.00
Land Information
  • Lot Features: Paved
School Information
  • High School: Arnold
  • Middle School: Surfside
  • School Elementary: West Bay
Garage and Parking
  • Garage Spaces: 1.00
  • Open Parking Spaces: 0.00
  • Parking Features: Garage, GarageDoorOpener
Utilities
  • Carport Spaces: 0.00
  • Cooling: CentralAir, CeilingFans
  • Heating: Central, Electric
  • Utilities: CableConnected, ElectricityAvailable, HighSpeedInternetAvailable
Amenities
  • Association Amenities: BeachRights
Finance and Tax Information
  • Home Owners Association Fee: 0.00
  • Insurance Expense: 0.00
  • Net Operating Income: 0.00
  • Other Expense: 0.00
  • Pet Deposit: 0.00
  • Security Deposit: 0.00
  • Tax Year: 2024
  • Trash Expense: 0.00
Other Features
  • Appliances: ElectricRange, ElectricWaterHeater, WaterSoftenerOwned
  • Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227
  • Area Major: 03 - Bay County - Beach
  • Occupant Type: Vacant
  • Parcel Number: 37191-010-000
  • Style: Coastal
  • The Range: 0.00
  • View: Gulf
  • Views: 113
Nearby Subdivisions
[no Recorded Subdiv]   Bare Footin Condominium   Bayside At Ward Creek   Bid-a-wee   Bid-a-wee Beach   Bid-a-wee Beach 1st Add   Breakwater At Ward Creek   Carillon Beach   Carillon Beach Phase I   Crestview Heights   El Centro Beach   Gulf Highlands   Gulf Highlands Unit-2   Gulf Pines U-2   Gulf Vista Sec 2   Gulf Vista Sec 5   Hollywood Beach   Inlet Beach Heights   Kelly Street Pines   Kiska Beach   Kiska Beach 1st Add   La Valencia Beach Resort   Laguna Beach   Laguna Beach 2nd Add   Laguna Beach 4th Add   Laguna Beach 5th Add   Laguna Beach 6th Add   Laguna Beach 7th Add   Laguna Beach 8th Add   Laguna Beach Ammended   Laguna Beach Estates   Laguna Beach Estates 2nd Add   Laguna Beach Estates 5th Add   Laguna Beach Estates 7th Add   Laguna Beach Estates 8th Add   Laguna Beach Estates 9th Add   Laguna Beach Plaza   Laguna Haven   Laguna-gulf   Lakes At Summer Breeze   Lakeside Villas   Latitude At Watersound   Lullwater Beach   Margaritaville Cottages   Miller's Landing On Lake Powel   Miramar Beach   Miramar Heights   No Named Subdivision   North Bid-a-wee Beach   Open Sands   Osprey Pointe At Powell   Palmetto Bluff   Palmetto Trace   Palmetto Trace Phase 2   Palmetto Trace Phase Iii   Palmetto Trace Phase Iv   Paradise Grove   Pirate's Cove Inlet   Reviera Beach Villas   Rivercamps On Crooked Creek   Rivercamps On Crooked Creek Ph   Riviera Beach   Riviera Beach 1st Add   Royal Palms Of Laguna Beach   Salt Grass At Ward Creek   Sand Dollar Estates   Santa Monica Beach   Seaclusion Beach   Seagull Beach   Seminole Ridge   Shores   Southern Exposures Ii   Southfield Sec 1   Southwinds Estates   Summer Breeze   Summer Breeze Phase Ii   Summerwood   Summerwood Phase I   Summerwood Phase Ii   Summerwood Phase Iii   Sunnyside   Suntime Beach U-1   The Palms   The Preserve At Lake Powell   Turtle Cove At Lake Powell   Waterview   Wells Gulf Beach Estates   Wendwood Condo   Westlake Estates Phase I   Whisper Dunes   Wild Heron Phase I   Wild Heron Phase Ii   Wild Heron Phase Iii   Wild Heron Phase V   Wild Heron Phase Vi   Wild Heron Phase Xiv  
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