122 Monterey Avenue

Panama City Beach, FL 32413

Active

Residential

Virtual Tour

$1,330,000

Discover this charming 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 not often available in the highly sought-after Santa Monica Beach neighborhood. The real treasure lies 400… Read More 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 sky 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! Read Less

Courtesy of Compass Florida, LLC 850-296-9769

Listing Snapshot

Days Online

Last Updated

Oct 24, 2025

Property Type

SingleFamilyResidence

Beds

Full Baths

Lot Size

0.19 Acres

Year Built

1977

MLS Number

778175

30 Days Snapshot Of 32413

$579k

-5%

(avg) sold price

+72%

homes sold

138

+51%

(avg) days on market

Snapshot

Area Map

Additional Details

Property Access

Road frontage type: DeededAccess, Road surface type: Paved

Appliances & Equipment

Dishwasher, Microwave

Building

Built in 1977, Architectural style: Coastal, Construction materials: WoodFrame, Units furnished: None, Toal building area: 1848

Community

Beach, ShortTermRentalAllowed

Cooling

CentralAir, CeilingFans

Doors

StormDoors

Exterior Features

Deck, OutdoorShower

Garage

1 space

Water Features

Gulf, DeededAccess

Heating

Central, Electric

Home Owner's Association

Association amenities: BeachRights

Interior Features

BreakfastBar

Lot

0.19 acres, 8,233 sqft, Paved

Parking

2 covered spaces, Carport, Driveway, Detached, Garage, GolfCartGarage, GarageDoorOpener

Property

Patio and porch features: Deck, Covered, Porch, Gulf

Sewer

SepticTank

Taxes

Year: 2024

Utilities

CableConnected, ElectricityAvailable, HighSpeedInternetAvailable, SepticAvailable

Windows

StormWindows

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