Panama City Beach, FL 32413
Property Inquiry
Contact Kellie Clements about this property!

Property Details
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!
COUNTY | Bay |
SUBDIVISION | SANTA MONICA BEACH |
PARCEL ID | 37191-010-000 |
TYPE | Detached Single Family |
STYLE | Beach House |
ACREAGE | 0 |
LOT ACCESS | Paved Road |
LOT SIZE | 75 x 110 |
HOA INCLUDE | Accounting,Ground Keeping |
HOA FEE | 240.00 (Annually) |
UTILITIES | Electric,Phone,Public Water,Septic Tank,TV Cable |
PROJECT FACILITIES | Beach,Deed Access,Short Term Rental - Allowed |
ZONING | Resid Single Family |
PARKING FEATURES | Carport,Garage Detached,Golf Cart Enclosed,Guest |
APPLIANCES | Auto Garage Door Opn,Dishwasher,Microwave,Stove/Oven Electric |
ENERGY | AC - 2 or More,AC - Central Elect,Ceiling Fans,Heat Cntrl Electric,Storm Doors,Storm Windows,Water Heater - Elect |
INTERIOR | Furnished - None,Kitchen Island,Lock Out,Washer/Dryer Hookup |
EXTERIOR | Deck Open,Porch |
ROOM DIMENSIONS | Family Room : 14 x 14 Florida Room : 10 x 18 Kitchen : 14 x 13 Dining Area : 10 x 10 Master Bathroom : 19 x 17 Master Bathroom : 8 x 10 Bedroom : 11 x 13 Bedroom : 11 x 11 Bedroom : 11 x 13 Full Bathroom : 10 x 9 |
Schools
Location & Map
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.