122 Monterey Ave Panama City Beach, FL 32413
Estimated payment $7,128/month
Highlights
- Beach
- Property fronts gulf or ocean
- Coastal Architecture
- J.R. Arnold High School Rated A-
- Deeded access to the beach
- Deck
About This Home
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!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $488
Year Built
- Built in 1977
Lot Details
- 8,233 Sq Ft Lot
- Lot Dimensions are 75 x 110
- Property fronts gulf or ocean
Parking
- 1 Car Detached Garage
- Carport
- Garage Door Opener
- Driveway
- Golf Cart Garage
Home Design
- Coastal Architecture
Interior Spaces
- Ceiling Fan
- Family Room
- Sitting Room
- Dining Room
- Gulf Views
Kitchen
- Breakfast Bar
- Microwave
- Dishwasher
Bedrooms and Bathrooms
- 4 Bedrooms
- 2 Full Bathrooms
Home Security
- Storm Windows
- Storm Doors
Outdoor Features
- Outdoor Shower
- Deeded access to the beach
- Deck
- Covered Patio or Porch
Schools
- West Bay Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Central Heating and Cooling System
- Septic Tank
- High Speed Internet
Community Details
Overview
- Property has a Home Owners Association
- Santa Monica Beach Subdivision
Recreation
- Beach
Map
Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $464 | $111,620 | -- | -- |
| 2023 | $464 | $108,369 | $0 | $0 |
| 2022 | $480 | $105,213 | $0 | $0 |
| 2021 | $475 | $102,149 | $0 | $0 |
| 2020 | $470 | $100,739 | $0 | $0 |
| 2019 | $461 | $98,474 | $0 | $0 |
| 2018 | $0 | $96,638 | $0 | $0 |
| 2017 | $0 | $94,650 | $0 | $0 |
| 2016 | $0 | $92,703 | $0 | $0 |
| 2015 | -- | $92,059 | $0 | $0 |
| 2014 | -- | $91,328 | $0 | $0 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/26/2025 08/26/25 | For Sale | $1,330,000 | -- | $720 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Interfamily Deed Transfer | -- | None Available | |
| Deed | $100 | -- |
Source: Central Panhandle Association of REALTORS®
MLS Number: 778175
APN: 37191-010-000
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