122 Monterey Avenue, Panama City Beach, FL 32413 (MLS# 778175)

122 Monterey Avenue, Panama City Beach, FL 32413

$1,200,000

Virtual Tour

https://my.matterport.com/show/?m=iuNbK6UgoXA&brand=0&mls=1&

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 1,848 Lot Size (sq. ft.): 8,233 Status: Active

Current Price: $1,200,000 List Date: 8/29/2025 Last Modified: 4/07/2026

Overview

Description

Spring has sprung and time to 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 o … (Read more) Spring has sprung and time to 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!

Listing Details MLS# 778175

Contract Info

List Price/SqFt: 649.35

Location

Area: 03 – Bay County – Beach
Street #: 122
Street Name: Monterey
Street Suffix: Avenue
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0324 – Beach – West Central
Subdivision: Santa Monica Beach
Community/Resort: None
Waterfront: No
Parcel ID: 37191-010-000
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: At the intersection of Hwy 79 S and Hwy 98, turn right traveling 3 miles west to Wisteria Lane, turn left. Wisteria Lane will end at Front Beach Road, turn right. Travel 1/2 mile to Monterey Avenue, turn right. The house will be the fourth driveway on the right.
Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 1848
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 1977
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Covered Spaces: 2
Driveway Spaces: 6
Lot Dimensions: 75 x 110
Acreage: 0.19
Lot Size (SqFt): 8233
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 240
HOA Frequency: Annually
HOA Annual Amount: 240
New Buyer Fee: No
Last Taxes: 488
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: No

Remarks & Misc

Remarks: Spring has sprung and time to 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!

Dining Room

First: Yes

More Information

Family Room

First: Yes

Master Bathroom

Second: Yes

Sitting Room

First: Yes

Appliances

Dishwasher: Yes
Microwave: Yes
Range – Electric: Yes
Water Heater – Electric: Yes
Water Softener – Owned: Yes

Interior Features

Breakfast Bar: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Metal: Yes

Exterior

Deck Open: Yes
Shower: Yes
Porch Covered: Yes
Storm Doors: Yes
Storm Windows: Yes

Association Fees Include

Beach: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Dedicated Beach: Yes
Deeded Access: Yes
Deeded Access Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Carport Attached: Yes
Driveway: Yes
Garage Detached: Yes
Garage Door Opener: Yes
Golf Cart Garage: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Beach: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Sitting Room: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Internet – Broadband Available: Yes
Septic Tank: Yes

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Dishwasher; Microwave; Range – Electric; Water Heater – Electric; Water Softener – Owned Full Bathroom: First Master Bedroom: Second Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Deck Open; Shower; Porch Covered; Storm Doors; Storm Windows Association Fees Include: Beach Financing: Cash; Conventional Furnished: Unfurnished Kitchen: First Lot Features: Covenants & Rescrictions; Dedicated Beach; Deeded Access; Deeded Access Water Lot Access: Paved Road Master Bathroom: Second Dining Room: First Family Room: First Sitting Room: First Parking Features: Carport Attached; Driveway; Garage Detached; Garage Door Opener; Golf Cart Garage Association Amenities: Beach Rooms: Bedroom; Dining Room; Family Room; Full Bathroom; Kitchen; Master Bathroom; Master Bedroom; Sitting Room Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Internet – Broadband Available; Septic Tank Waterview: Gulf Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Family Room	First	14 x 14	14.00	14.00
Sitting Room	First	10 x 18	10.00	18.00
Kitchen	First	14 x 13	14.00	13.00
Dining Room	First	10 x 10	10.00	10.00
Master Bedroom	Second	19 x 17	19.00	17.00
Master Bathroom	Second	8 x 10	8.00	10.00
Bedroom	First	11 x 13	11.00	13.00
Bedroom	First	11 x 11	11.00	11.00
Bedroom	First	11 x 13	11.00	13.00
Full Bathroom	First	10 x 9	10.00	9.00

Listing Office: Compass Florida, LLC

Last Updated: April – 07 – 2026

Information deemed reliable but not guaranteed.