- Overview
- Description
- Property Details
- Location
- HOA Management
- Facts & Features
- Getting Around
- Nearby Homes
$1,000,000
Monthly Est:$4,977
4 Beds
- 2 Baths
2 full baths
1,848sqft
122 Monterey Ave, Panama City Beach, FL 32413
$1,000,000
$4,977/moEst:
Get Pre-Approved
Single Family Residence
Built in 1977
$20/mo HOA
0.19 acre lot
$541/sq.ft
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!
- Houzeo last checked: 10 minutes ago
- Listing updated: August 30, 2026 at 10:53 pm
- Listing Provided by: Kellie Clements (770) 367-1261 | Compass Florida, LLC (850) 296-9769
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 778175

Property Details
Status
Active
Type
Single Family Residence
No. of Stories
-
County
City
Neighborhood
--
Year Built
1977
HOA Fees
$20/mo
Finished Area
1,848 sqft
Lot Size
0.19 acre lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
778175
MLS Status
Active
Days on Market
410
Cumulative Days on Market
357

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Location
HOA Management
N/A
HOA Fees
$240/ Annually
Amenities
Amenities and services may be covered by one or multiple associations and service providers.
Beach
Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 4
Bathrooms: 2
FullBath
Level: First
Area: 90.00 Square Feet
Dimensions: 10 x 9
Bedroom
Level: First
Area: 143.00 Square Feet
Dimensions: 11 x 13
Bedroom
Level: First
Area: 121.00 Square Feet
Dimensions: 11 x 11
Bedroom
Level: First
Area: 143.00 Square Feet
Dimensions: 11 x 13
PrimaryBathroom
Level: Second
Area: 80.00 Square Feet
Dimensions: 8 x 10
PrimaryBedroom
Level: Second
Area: 323.00 Square Feet
Dimensions: 19 x 17
DiningRoom
Level: First
Area: 100.00 Square Feet
Dimensions: 10 x 10
Kitchen
Level: First
Area: 182.00 Square Feet
Dimensions: 14 x 13
SittingRoom
Level: First
Area: 180.00 Square Feet
Dimensions: 10 x 18
FamilyRoom
Level: First
Area: 196.00 Square Feet
Dimensions: 14 x 14
Interior
Exterior Features
Deck, Outdoor Shower
Appliances
Electric Range, Electric Water Heater, Water Softener Owned
Cooling
Central Air, Ceiling Fans
Window Features
Storm Windows
Heating
Central, Electric
Interior Features
Upper Level Primary
Construction
Year Built
Year Built: 1977
Home type
Single Family Residence
Construction Materials
Wood Frame
Architectural Style
Coastal
Foundation Details
Slab
Roof
Metal
Utilities & Energy
Utilities
Cable Connected, Electricity Available, High Speed Internet Available
Association Amenities
Beach Rights
Parking Features
Garage, Garage Door Opener
Other Features
Subdivision Name
Santa Monica Beach
Patio And Porch Features
Deck, Covered, Porch
Lot Features
Paved
Community Features
Beach, Short Term Rental Allowed
Price History
| Date | Event | Price |
|---|---|---|
08/30/2026 Source: | Listed for Sale | $1,000,000 $541/sqft |
08/13/2026 Source: | Pending | $1,000,000 -9.09% $541/sqft |
05/16/2026 Source: | Price Decreased | $1,100,000 -17.29% $595/sqft |
08/29/2025 Source: | Listed for Sale | $1,330,000 +10.83% $720/sqft |
08/29/2025 Source: | Price Increased | $1,200,000 +9.09% $649/sqft |
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Based on information from Central Panhandle Association of REALTORS® MLS through Oct 11, 2026, 01:45AM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®
Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC




