1. Florida
2. Panama City Beach
3. 122 Monterey Avenue

122 Monterey Avenue, Panama City Beach, FL 32413

• 4 beds |
• 2 baths |
• 1,848 sqft

Property Description

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 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!

Listing Status:

Active

Date Added:

August 29, 2025 at 05:00AM

Listing Office:

Compass : 850-296-9769

Listing Agent:

Kellie D Clements : 770-367-1261

MLS ID:

983991

Interior

• General: Kitchen IslandLock OutWasher/Dryer Hookup
• Appliances: DishwasherMicrowaveElectric RangeElectric Water Heater
• A/C: Ceiling Fan(s)
• Heating:

Exterior

• Style: Beach House
• Parking: Garage DetachedGolf Cart GarageGuestCarport

Construction

• Windows: Storm Window(s)
• General: Frame2Slab

Location

• Road/Access: Paved
• HOA Amenities: Ground Keeping240.0Annually
• Golf: BeachDeed Access
• Originating MLS: Emerald Coast Association of REALTORS®
• County: Bay

Lot

• Zoning: Resid Single Family37191-010-000
• View: Gulf

Utilities

• Utilities: Electricity ConnectedPhone AvailableCable Available
• Sewer: 0

Financial

• Source: Emerald Coast Association of REALTORS®

This listing courtesy of Kellie D Clements, Compass