122 Monterey Avenue, Panama City Beach, FL 32413 (MLS# 778175)

List Price/SqFt: 595.24

Status: Active

List Date: 2025-08-26

List Price: $1,100,000

Current Price: $1,100,000

Sub Area: 0324 - Beach - West Central

Community/Resort: None

Waterfront: No

Elementary School: West Bay

Middle School: Surfside

High School: Arnold

Directions: At the intersection of Hwy 79 S and Hwy 98, turn right traveling 3 miles west to Wisteria Lane, turn left. Wisteria Lane will end at Front Beach Road, turn right. Travel 1/2 mile to Monterey Avenue, turn right. The house will be the fourth driveway on the right.

Area: 03 - Bay County - Beach

Street #: 122

Street Name: Monterey

Street Suffix: Avenue

State: FL

Zip Code: 32413

County: Bay

Subdivision: Santa Monica Beach

Parcel ID: 37191-010-000

Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227

Acreage: 0.19

Design: Beach House

Lot Size (SqFt): 8233

Apx SqFt(Htd/Cooled): 1848

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 75 x 110

New Construction: No

Garage Y/N: Yes

Garage Spaces: 1

Covered Spaces: 2

Driveway Spaces: 6

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 2

Total Baths: 2

Year Built: 1977

HOA Fee: Yes

HOA Amount: 240

HOA Frequency: Annually

HOA Annual Amount: 240

New Buyer Fee: No

Last Taxes: 488

Last Tax Year: 2024

Brokerage Interest: No Interest

As Is: Yes

Condo Doc: No

Remarks: 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 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!

First: 1

First: 1

Second: 1

First: 1

Dishwasher: 1

Microwave: 1

Range - Electric: 1

Water Heater - Electric: 1

Water Softener - Owned: 1

Breakfast Bar: 1

Foundation - Slab on Grade: 1

Wood/Frame: 1

Roof - Metal: 1

Deck Open: 1

Shower: 1

Porch Covered: 1

Storm Doors: 1

Storm Windows: 1

Beach: 1

Cash: 1

Conventional: 1

Unfurnished: 1

First: 1

Covenants & Rescrictions: 1

Dedicated Beach: 1

Deeded Access: 1

Deeded Access Water: 1

Paved Road: 1

Carport Attached: 1

Driveway: 1

Garage Detached: 1

Garage Door Opener: 1

Golf Cart Garage: 1

Resid Single Family: 1

Beach: 1

Bedroom: 1

Dining Room: 1

Family Room: 1

Full Bathroom: 1

Kitchen: 1

Master Bathroom: 1

Master Bedroom: 1

Sitting Room: 1

TV Cable: 1

Electricity - Connected: 1

Internet - Broadband Available: 1

Septic Tank: 1

Gulf: 1

As Is: 1

First: 1

Second: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1