Email: | Brokerage: HR Moon Homes
    1. Home
    2. Property Search
    3. Search results
    4. 122 Monterey Avenue, Panama City Beach, FL 32413
    Contact HR Moon Homes
    Contacting HR Moon Homes
    • All fields are required.
    Schedule A Showing
    Schedule a Showing.
    • All fields are required.
    Check this box to Register with us:
    Submit an Offer Now!
    Submit an Offer Now!
    All fields are required.
    Print Flyer
    Active
    Property Photos
    122 Monterey Avenue
    1. Image 1 For 122 Monterey Avenue
    Image Gallery

    PRICED AT ONLY: $1,200,000

    Address: 122 Monterey Avenue, Panama City Beach, FL 32413

    Description

    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 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!

    Property Location and Similar Properties

    All
    Similar
    Payment Calculator
    •   Principal & Interest -
    •   Property Tax $
    •   Home Insurance $
    •   HOA Fees $
    •   Mortgage Insurance-
    •   Monthly -
    Virtual Tour
    More Like This
    • MLS#: 778175 ( Residential )
    • Street Address: 122 Monterey Avenue
    • Viewed: 115
    • Price: $1,200,000
    • Price sqft: $649
    • Waterfront: No
    • Year Built: 1977
    • Bldg sqft: 1848
    • Bedrooms: 4
    • Total Baths: 2
    • Full Baths: 2
    • Garage / Parking Spaces: 1
    • Days On Market: 256
    Request More Information
    • All fields are required.
    Features
    Building and Construction
    • Covered Spaces: 2.00
    • Exterior Features: Deck, OutdoorShower
    • Living Area: 0.00
    • Roof: Metal
    Land Information
    • Lot Features: Paved
    School Information
    • High School: Arnold
    • Middle School: Surfside
    • School Elementary: West Bay
    Garage and Parking
    • Garage Spaces: 1.00
    • Open Parking Spaces: 0.00
    • Parking Features: Garage, GarageDoorOpener
    Utilities
    • Carport Spaces: 0.00
    • Cooling: CentralAir, CeilingFans
    • Heating: Central, Electric
    • Utilities: CableConnected, ElectricityAvailable, HighSpeedInternetAvailable
    Amenities
    • Association Amenities: BeachRights
    Finance and Tax Information
    • Home Owners Association Fee: 0.00
    • Insurance Expense: 0.00
    • Net Operating Income: 0.00
    • Other Expense: 0.00
    • Pet Deposit: 0.00
    • Security Deposit: 0.00
    • Tax Year: 2024
    • Trash Expense: 0.00
    Other Features
    • Appliances: ElectricRange, ElectricWaterHeater, WaterSoftenerOwned
    • Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227
    • Area Major: 03 - Bay County - Beach
    • Occupant Type: Vacant
    • Parcel Number: 37191-010-000
    • Style: Coastal
    • The Range: 0.00
    • View: Gulf
    • Views: 115
    Nearby Subdivisions
    [no Recorded Subdiv]   Bare Footin Condominium   Bayside At Ward Creek   Beachside East   Beachwalk Condo   Bid-a-wee   Bid-a-wee Beach   Bid-a-wee Beach 1st   Bid-a-wee Beach 1st Add   Breakwater At Ward Creek   Carillon Beach   Carillon Beach Phase I   Casa Del Mar   Coral Bay Village   Crestview Heights   Diamond Head-lakeside   El Centro Beach   Gulf Highlands   Gulf Highlands Unit-1   Gulf Highlands Unit-2   Gulf Vista   Gulf Vista Sec 2   Hollywood Beach   Horizon South Townhouses   Inlet Beach Heights   Jamaican Lake   Kelly Street Pines   Kiska Beach   Kiska Beach 1st Add   La Valencia Beach Resort   Laguna Beach   Laguna Beach 2nd Add   Laguna Beach 2nd Addition   Laguna Beach 6th Add   Laguna Beach 7th Add   Laguna Beach 8th Add   Laguna Beach Estates   Laguna Beach Estates 5th Add   Laguna Beach Estates 6th Add   Laguna Beach Estates 7th Add   Laguna Beach Estates 9th Add   Laguna Haven   Lakes At Summer Breeze   Lakeside By The Gulf   Lakeside Villas   Latitude At Watersound   Lullwater Beach   Margaritaville Cottages   Miller's Landing On Lake Powel   Miramar Beach   Miramar Beach 1st   Miramar Heights   No Named Subdivision   Open Sands   Palmetto Trace   Palmetto Trace Phase 1   Palmetto Trace Phase 2   Palmetto Trace Phase Iii   Palmetto Trace Phase Iv   Panama City Beach   Paradise Grove   Pier Park   Pirate's Cove Inlet   Pointe Panama   Reviera Beach Villas   Rivercamps On Crooked Creek   Rivercamps On Crooked Creek Ph   Riviera Beach   Riviera Beach 1st Add   Royal Palms Of Laguna Beach   Salt Grass At Ward Creek   Sand Dollar Estates   Santa Monica Beach   Seaclusion Beach   Seagull Beach   Seminole Ridge   Shores   Shores Townhouses   Southern Exposures Ii   Southfield Sec 1   Southwinds Estates   Summer Breeze   Summer Breeze Phase Ii   Summer Towne Cottage Condo Ph    Summerwood Phase I   Sunnyside   The Palms   The Preserve At Lake Powell   Turtle Cove At Lake Powell   Villa Chateaus   Wells Gulf Beach Estates   Westlake Estates Phase I   Westwood Beach Estates   Whisper Dunes   White Sands Estates   Wild Heron Phase I   Wild Heron Phase Ii   Wild Heron Phase V   Wild Heron Phase Vi   Wild Heron Phase Xiv  
    Similar Properties

    Active
    Details for 21605 Marlin Avenue, Panama City Beach, FL 32413
    $1,199,000.00 ($502.94 / sqft )

    21605 Marlin Avenue More Like This

    New construction beach house in the heart of Panama City Beach, thoughtfully designed to combine elevated coastal style with modern comfort. This open concept home features a spacious living and dinin

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2384 sqft
    1. MLSID: 784899
    2. Provided by Beachy Beach Real Estate
    3. Provided through
    4. DMCA Notice
    4 Pictures and Information
    Active
    Details for 316 Lakeshore Drive, Panama City Beach, FL 32413
    $1,399,000.00 ($445.97 / sqft )

    316 Lakeshore Drive Green Listing More Like This

    Experience upscale coastal living in this beautifully crafted 5 bedroom, 4.5 bath luxury beach home featuring a private pool located in the West End of Panama City Beach (Laguna Beach). Thoughtfully d

    1. Request Information
    1. Bedrooms: 5
    2. Baths: 5
    3. Approx. 3137 sqft
    1. MLSID: 782079
    2. Provided by Beach Haven Realty
    3. Provided through
    4. DMCA Notice
    60 Pictures and Information
    Active
    Details for 21518 Front Beach Road, Panama City Beach, FL 32413
    $1,145,000.00 ($450.79 / sqft )

    21518 Front Beach Road More Like This

    Wake to breathtaking Gulf sunrises from the private primary suite balcony and enjoy effortless sunset beach walks just across the street. This upscale coastal residence offers 4 bedrooms and 4 bathroo

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2540 sqft
    1. MLSID: 770412
    2. Provided by Coastal Palms Real Estate
    3. Provided through
    4. DMCA Notice
    39 Pictures and Information
    Active
    Details for 228 George C Wallace Boulevard, Panama City Beach, FL 32413
    $1,325,000.00 ($658.22 / sqft )

    228 George C Wallace Boulevard More Like This

    This modern 4 bedroom, 3.5 bathroom home offer just over 2,000 square feet of stylish living space. Located just a 5 minute walk from the beach, this property features a private heated pool, turf back

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2013 sqft
    1. MLSID: 783801
    2. Provided by Corcoran Reverie SRB
    3. Provided through
    4. DMCA Notice
    37 Pictures and Information
    Active
    Details for 21701 Marlin Avenue, Panama City Beach, FL 32413
    $1,349,000.00 ($467.27 / sqft )

    21701 Marlin Avenue More Like This

    Luxury 2025 new construction near the Gulf with private pool, STR allowed Walk to Panama City Beach's sugar‑white sand from this brand‑new 2025 luxury home, thoughtfully built for both

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2887 sqft
    1. MLSID: 785281
    2. Provided by Beachy Beach Real Estate
    3. Provided through
    4. DMCA Notice
    55 Pictures and Information
    Active
    Details for 111 Paradise Found Circle, Panama City Beach, FL 32413
    $1,250,000.00 ($587.41 / sqft )

    111 Paradise Found Circle More Like This

    Welcome to 111 Paradise Found, a beautifully appointed coastal retreat located within the highly sought after Margaritaville Beach Cottage Resort. This property offers the perfect blend of comfort, st

    1. Request Information
    1. Bedrooms: 5
    2. Baths: 5
    3. Approx. 2128 sqft
    1. MLSID: 788517
    2. Provided by CENTURY 21 Ryan Realty Inc
    3. Provided through
    4. DMCA Notice
    67 Pictures and Information
    Active
    Details for 22500 Front Beach Road, Panama City Beach, FL 32413
    $1,399,000.00 ($565.48 / sqft )

    22500 Front Beach Road More Like This

    NO HOA....Gulf Views 5 Bedroom / 5.5 Bath Beachside Investment Opportunity Perfectly positioned just across the street from the sugar white sands and emerald waters of Panama City Beach, this spaci

    1. Request Information
    1. Bedrooms: 5
    2. Baths: 6
    3. Approx. 2474 sqft
    1. MLSID: 786303
    2. Provided by Counts Real Estate Group Inc
    3. Provided through
    4. DMCA Notice
    24 Pictures and Information
    Active
    Details for 209 Oleander Drive, Panama City Beach, FL 32413
    $1,369,000.00 ($489.28 / sqft )

    209 Oleander Drive Green Listing More Like This

    OPPORTUNITY ABOUNDS ON THIS LAGUNA BEACH PROPERTY! Welcome to 209 Oleander Drive, ideally located in the heart of Panama City Beach on a spacious L shaped lot, just steps from the sugar white sands

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2798 sqft
    1. MLSID: 785643
    2. Provided by Beachy Beach Real Estate
    3. Provided through
    4. DMCA Notice
    56 Pictures and Information
    Active
    Details for 21511 Pompano Avenue, Panama City Beach, FL 32413
    $1,349,000.00 ($467.27 / sqft )

    21511 Pompano Avenue More Like This

    Welcome to this luxury 2025 new construction beach home just a short walk to the white sandy beaches of Panama City Beach. Designed as a primary residence, second home, or high performing short term r

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 4
    3. Approx. 2887 sqft
    1. MLSID: 778544
    2. Provided by Beachy Beach Real Estate
    3. Provided through
    4. DMCA Notice
    51 Pictures and Information
    Active
    Details for 101 Deluna Place A, Panama City Beach, FL 32413
    $1,350,000.00 ($546.78 / sqft )

    101 Deluna Place A More Like This

    Experience elevated coastal living in this brand new, fully furnished 4 bedroom, 4.5 bathroom townhome spanning 2,469 square feet, located directly across from the beach in the heart of Laguna Beach o

    1. Request Information
    1. Bedrooms: 4
    2. Baths: 5
    3. Approx. 2469 sqft
    1. MLSID: 760617
    2. Provided by Scenic Sotheby's International Realty
    3. Provided through
    4. DMCA Notice
    38 Pictures and Information

    Contact Info

    Skip to Main Content
    1. We are the World
    Equal Housing Opportunity
    Listings provided courtesy of The Hernando County Association of Realtors MLS.
    Listing Data ©2026 REALTOR® Association of Citrus County
    The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
    Display of MLS data is usually deemed reliable but is NOT guaranteed accurate.
    Datafeed Last updated on May 10, 2026 @ 12:00 am
    ©2006-2026 brokerIDXsites.com - https://brokerIDXsites.com
    We believe in accessibility for all
    Your Privacy Is Important
    XML Sitemap
    Manage Your Account