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Single family home for sale at 122 Monterey Ave, Panama City Beach, FL 32413 | MLS# 778175 | Listing updated on 2026-08-30
Photo 1 of Single family home for sale at 122 Monterey Ave, Panama City Beach, FL 32413 | MLS# 778175 | Listing updated on 2026-08-30
Photo 2 of Single family home for sale at 122 Monterey Ave, Panama City Beach, FL 32413 | MLS# 778175 | Listing updated on 2026-08-30
Photo 3 of Single family home for sale at 122 Monterey Ave, Panama City Beach, FL 32413 | MLS# 778175 | Listing updated on 2026-08-30
Photo 4 of Single family home for sale at 122 Monterey Ave, Panama City Beach, FL 32413 | MLS# 778175 | Listing updated on 2026-08-30
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$1,000,000

Monthly Est:$4,977

  • Beds Icon4 Beds
  • Beds Icon
    2 Baths
  • Beds Icon1,848sqft

122 Monterey Ave, Panama City Beach, FL 32413

$4,977/moEst:

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  • 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 relax
ation 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 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama City Beach

  • 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 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

DateEventPrice

08/30/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #778175

Listed for Sale

$1,000,000

$541/sqft

08/13/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #778175

Pending

$1,000,000 -9.09%

$541/sqft

05/16/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #778175

Price Decreased

$1,100,000 -17.29%

$595/sqft

08/29/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #778175

Listed for Sale

$1,330,000 +10.83%

$720/sqft

08/29/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #778175

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