Address
122 Monterey Avenue, Panama City Beach, FL
Price
$ 1,000,000
Property Attributes
- MLS#778175
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodSanta Monica Beach
- Zip32413
- Style
- Year Built1977
- Taxes$ 488
- Price$ 1,000,000
- Bedrooms4
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage1848
- Lot Size0.19 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
NEW PRICE on this Florida Beach Cottage at 122 Monterey Avenue where original 1977 family craftsmanship meets timeless coastal living. This four-bedroom, two-bathroom home offers the perfect blend of vintage character and beachside convenience in the highly sought-after private beach access community of Santa Monica Beach. No crowds here! The real treasure lies 400 feet from your front door 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 today!
| Elementary School | Middle School | High School |
|---|---|---|
| West Bay Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 9/8/2025 | Listed $1,330,000 |
| 1/4/2026 | 10$1,200,000 |
| 5/16/2026 | 8$1,100,000 |
| 8/13/2026 | 9$1,000,000 |
General Features
| Utilities | Cable Connected,Electricity Available,High Speed Internet Available |
|---|---|
| Property Subtype | Single Family Residence |
| Tax Year | 2024 |
| Community Features | Beach,Short Term Rental Allowed |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Santa Monica Beach |
| Special Listing Conditions | Listed As-Is |
| Status | Active |
| 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. |
| High School | Arnold |
| City | Panama City Beach |
| Zoning Description | Resid Single Family |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 8233 |
| Elementary School | West Bay |
| Tax Annual Amount | 488 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0324 - Beach - West Central |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Association Amenities | Beach Rights |
| Occupancy Type | Vacant |
| Year Built | 1977 |
| Heating | Central,Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Range,Electric Water Heater,Water Softener Owned |
| Patio/Porch Features | Deck,Covered,Porch |
| Construction Materials | Wood Frame |
| View | Gulf |
| Attached Garage | false |
| Garage Y/N | true |
| Total Rooms | 10 |
| Full Baths | 2 |
| Virtual Tour | https://my.matterport.com/show/?m=iuNbK6UgoXA&brand=0&mls=1& |
| Garage Spaces | 1 |
| Architectural Style | Coastal |
| HOA Fee | 240 |
| Assoc Fee Paid Per | Annually |
| New Construction | false |
| Roof | Metal |
Interior Features
| Total Baths | 2 |
|---|---|
| Interior Amenities | Upper Level Primary |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 4 |
| LivingAreaSource | Appraiser |
| Window Features | Storm Window(s) |
Exterior Features
| Lot Features | Paved |
|---|---|
| Lot Size Area | 0.19 |
| Lot Dimensions | 75 x 110 |
| Lot Size Acres | 0.19 |
| Parking Features | Garage,Garage Door Opener |
| Building Area Total | 1848 |
| Waterfront Y/N | false |
| Exterior Amenities | Deck,Outdoor Shower |
| Covered Spaces | 2 |
| Door Features | Storm Door(s) |
| Foundation Details | Slab |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32413
Price
Taxes
Year Built
In The Neighborhood
West Panama City Beach
$ 1,695,000
121 Belaire Drive
West Panama City Beach, FL 32413
- Type
- Single Family
- Size
- 2,306 SqFt
- Rooms
- 4 Beds + 3 Baths
Panama City Beach
$ 975,000
126 Buena Vista Avenue
Panama City Beach, FL 32413
- Type
- Single Family
- Size
- 1,975 SqFt
- Rooms
- 3 Beds + 2 Baths
Emerald Coast Association of REALTORS®, Inc. 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 consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The 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.
