Ad #6572573
MLS #983991
Spring has sprung and time to make this charming Florida Beach
122 Monterey Ave, Panama City Beach, FL 32413
$1,100,000
4Beds
2Baths
1,848Sqft
0.19Acres
About this property
Spring has sprung and time to make this charming Florida Beach Cottage at 122 Monterey Avenue where original 1977 family craftsmanship meets timeless coastal living yours at a new reduced price! 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 skies and breathtaking sunsets guarantees relaxation at the most laid back beach access ensuring 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!
Property Features
4 Beds
2 Baths
1,848 Sqft
Built in 1977
0.19 Acres
2 Stories
Carport, Garage - Detached, Golf Cart, Guest
Siding: Frame
Central
$488 / yr property tax
Bay County
SANTA MONICA BEACH Community
Additional Photos
Contact Information
Kellie D Clements
Compass Florida, LLC
770-367-1261
Location
Listing Agent: Kellie D Clements (License #: 3428314) 770-367-1261
Broker: Compass Florida, LLC 305-851-2820 Listing Site
Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Compass Florida, LLC 305-851-2820 Listing Site
Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
BeachHouse.com
Printed Aug 12, 2026
Photo Gallery
$1,100,000
4
Beds
2
Baths
1,848
Sqft
122 Monterey Ave, Panama City Beach, FL 32413
By contacting this agent you agree to these Terms and Conditions.
MLS# 983991
Spring has sprung and time to make this charming Florida Beach
$1,100,000
122 Monterey Ave, Panama City Beach, FL 32413
4
Beds
2
Baths
1,848
Sqft
0.19
Acres
$1,100,000
122 Monterey Ave, Panama City Beach, FL 32413
4 Beds
2 Baths
1,848 Sqft
0.19 Acres
Spring has sprung and time to make this charming Florida Beach Cottage at 122 Monterey Avenue where original 1977 family craftsmanship meets timeless coastal living yours at a new reduced price! 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 skies and breathtaking sunsets guarantees relaxation at the most laid back beach access ensuring 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!
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Property Details
HOME DETAILS
4 Beds
2 Baths
1,848 Sqft
Built in 1977
0.19 Acres
2 Stories
EXTERIOR
Carport, Garage - Detached, Golf Cart, Guest
Siding: Frame
INTERIOR
Central
FINANCIAL & COMMUNITY
$488 / yr property tax
Bay County
SANTA MONICA BEACH Community
See More Details
Location
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About Panama City Beach
Find Vacation Rental Beach Houses on Panama City Beach in FL! Book online - beachfront homes, cottages and condos for rent. Oceanfront homes with private pools. One of the best destinations for families. Pay less (no service fees!) and get a great deal on popular rentals now. Find family fun things to do in the Gulf Coast of Florida. A tropical paradise for a romantic waterfront wedding.
Ad Statistics
Ad Number
6572573
Viewed
203 times
Listing Status
Active
Added
Nov 10, 2025
Last Refreshed
Jul 03, 2026 06:17:28 PM
Listing Information
Data Source
Emerald Coast Association of Realtors
Source Property ID
983991
Listing Agent: Kellie D Clements (License #: 3428314) 770-367-1261
Broker: Compass Florida, LLC 305-851-2820 Listing Site
Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Compass Florida, LLC 305-851-2820 Listing Site
Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
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