Features & Amenities

Interior

  • Total Bedrooms

    4

  • Bathrooms

    2

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s)

  • Heating YN

    YES

  • Heating

    Central, Electric

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    1

  • Construction Materials

    Frame

  • Other Exterior Features

    Outdoor Shower

  • Parking

    Garage, Garage Door Opener

  • Patio and Porch Features

    Deck, Covered, Porch

  • Pool

    No

  • Waterfront YN

    NO

  • View

    Water

Area & Lot

  • Lot Features

    Paved

  • Lot Size(acres)

    0.19

  • Lot Size(square feet)

    8,233

  • Property Type

    Residential

  • Property Sub Type

    SingleFamilyResidence

  • Architectural Style

    Coastal

Price

  • Sales Price

    $1,000,000

  • Tax Amount

    $488

  • Zoning

    Resid Single Family

  • Sq. Footage

    1,848

  • Price/SqFt

    $541

HOA

  • Association

    YES

  • Association Fee

    $240

  • Association Fee Frequency

    Annually

  • Association Fee Includes

    N/A

School District

  • Elementary School

    West Bay

  • Middle School

    Surfside

  • High School

    Arnold

Property Features

  • New Construction

    NO

  • Association Amenities

    Beach Rights

  • Foundation Details

    Slab

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

Bay

Elementary School

West Bay

Middle School

Surfside

High School

Arnold

Listing Courtesy of Kellie Clements , Compass Florida, LLC

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Dee Anderson

REALTOR®

Dee Anderson

Call Dee today to schedule a private showing.


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
NEW PRICE on this 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 in the highly sought-after private beach access community of Santa Monica Beach. No crowds here!

The real treasure lies 400 feet from your front door 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 today!

122 Monterey Avenue

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Gulf Life Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Related Properties

PRICE IMPROVEMENT!!!! Experience GULF-FRONT LIVING at its finest in this fully furnished, short-term rental-ready townhome located directly on the sugar-white sands of Panama City Beach. With NO HOA, this property offers a rare combination of investment potential, flexibility, and beachfront enjoyment.

Thoughtfully updated and meticulously maintained, this coastal retreat features upgraded Anderson windows and Pella sliding glass doors, Hardie Board siding, a new roof (2025), updated HVAC, replaced plumbing, renovated bathrooms, and a stunning kitchen remodel completed in 2024 with new cabinetry, countertops, appliances, and lighting. The spacious interior is tastefully furnished and equipped with everything needed to continue operating as a successful vacation rental or to enjoy as a personal beachfront getaway.

Step outside to enjoy the Gulf views from the updated deck and outdoor living spaces, perfect for entertaining or relaxing after a day at the beach. Additional features include keyless entry, an owner's closet, electric vehicle charger, updated washer and dryer, upgraded insulation, and numerous other improvements that provide peace of mind for years to come.

Whether you're looking for a turnkey investment property, second home, or full-time beachfront residence, this Gulf-front gem offers the opportunity to own a piece of paradise with no HOA restrictions and direct access to one of Florida's most beautiful beaches!!!!!!! Call your Favorite Realtor to see this one!! Buyer to verify all measurements.
#791607

Panama City Beach

17195 Front Beach Road 6

2 Beds

2 Baths

1,280 Sq.Ft.

$895,000

MLS#: 791607

New on site 1 day ago
NEW PRICE on this 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 in the highly sought-after private beach access community of Santa Monica Beach. No crowds here!

The real treasure lies 400 feet from your front door 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 today!
#983991

Panama City Beach

122 Monterey Avenue

4 Beds

2 Baths

1,848 Sq.Ft.

$1,000,000

MLS#: 983991

New on site 1 day ago
Gulf View! Three-Story Beach Home with Private Pool.

This home is situated directly across from Rick Seltzer Park, which provides easy public beach access and helps preserve the home's Gulf views. This 3 bedroom, 3.5 bath home offers an open, flexible floor plan that works well as a primary residence, second home, or income-producing vacation rental and could comfortably accommodate 8 to 12 guests.

The main living area offers an open-concept living, dining, and kitchen space featuring a natural gas fireplace, 11-foot ceilings, crown molding, recessed lighting, and tile flooring. The kitchen features stainless steel appliances, granite countertops, a large island breakfast bar, solid wood cabinetry with roll-out shelves, and a pantry.

Toward the rear of the main level, you'll find a bedroom with a large walk-in closet. The laundry room provides additional storage and is equipped with a stackable washer and dryer. A full bathroom on this level features granite countertop and a tub/shower combination.

The second floor offers the primary suite with a spacious private balcony, walk-in closet, built-in desk, and an ensuite bath featuring granite countertops, a jetted soaking tub, and a glass-enclosed tile walk-in shower.

In addition, there is a secondary suite on this level, which also includes a built-in desk and shelving, a walk-in closet, and a private bathroom with granite countertop and a tub/shower combination.

The third floor provides an additional living and entertainment area with vaulted ceilings, a wet bar, and a half bath. This versatile space is ideal for entertaining, relaxing, or providing additional sleeping accommodations.

Step outside onto the spacious 18' x 24' sun deck and enjoy wonderful views overlooking the park, beach, and Gulf.

The backyard is fully enclosed with vinyl fencing and features a heated in-ground pool.

Recent updates include the pool being resurfaced in 2021, composite decking replaced in 2023, and two HVAC systems replaced in December 2021 and September 2023. The tankless water heater was replaced in June 2020. ** NO HOA**

Enjoy the convenience of being within walking distance of public beach access while staying close to shopping, dining, entertainment, and some of the Emerald Coast's most popular destinations. Outdoor enthusiasts will love the endless recreational opportunities nearby, including biking, golfing, boating, fishing, and unforgettable sunset strolls along the beach.

Take in the natural beauty and relaxed coastal atmosphere that make this area so desirable. Whether you're searching for a primary residence, a vacation getaway, or an income-producing investment property, this coastal gem offers an exceptional opportunity to enjoy the Florida beach lifestyle.  Schedule your private showing today and start living the beach lifestyle you've been dreaming of!
#794779

Panama City Beach

7412 Thomas Drive

3 Beds

3 Baths

2,375 Sq.Ft.

$850,000

MLS#: 794779

New on site 3 days ago
Two residences, one property, and an incredible opportunity just steps from the Gulf in sought-after Bid-A-Wee!Located within a section of the neighborhood where SHORT-TERM RENTALS ARE PERMITTED, 13801 Bay Avenue offers a rare combination of flexibility, beach access, and investment potential in the heart of Panama City Beach.
Situated on a single parcel are two separate 3-bedroom, 2-bath residences totaling approximately 2,300 square feet of living space. Both offer their own living areas, kitchens, laundry, private entrances, fenced outdoor spaces, and garage access, creating countless possibilities for how the property can be enjoyed. The main home has received updates throughout and includes a sunroom/breezeway leading to the garage and backyard, while the second residence offers an open layout and covered front porch. With six bedrooms and four bathrooms between the two, the setup works beautifully for extended family, guests, a primary residence with additional income potential, or a vacation rental investment. Generous parking also provides room for additional vehicles or a boat.
And then there's the location! Bid-A-Wee is known for its gated, deeded beach access, offering a more private way to enjoy Panama City Beach's sugar-white sand and emerald Gulf waters. The beach is just a short walk or quick golf-cart ride away, while Pier Park, shopping, restaurants, entertainment, nightlife, and everyday conveniences are all just minutes from home.
Properties offering this combination of two residences, short-term rental potential, garage and outdoor space, beach access, and a central PCB location don't come along often. Whether you're looking for a primary home with additional living quarters, a multigenerational setup, beach getaway, or income-producing opportunity, 13801 Bay Avenue gives you the flexibility to make it your own.
Two residences. Six bedrooms. Beach access. Short-term rental potential. One unique Bid-A-Wee opportunity.
#794706

Panama City Beach

13801 Bay Avenue

6 Beds

4 Baths

2,320 Sq.Ft.

$899,000

MLS#: 794706

New on site 4 days ago
RARE GULF-FRONT OPPORTUNITY | GRANDE SURF CLUB 12W | NEVER RENTED | CUSTOM HIGH-END FINISHES | PRIVATE, LOW-DENSITY LIVING
Welcome to Grande Surf Club Unit 12W, an exceptional Gulf-front residence that stands apart from the typical Panama City Beach condo. This is a never-rented, owner-occupied unit, meticulously maintained and enjoyed exclusively as a personal residence. From the moment you enter, the quality, craftsmanship, and attention to detail are immediately apparent.
Located in one of the most exclusive and desirable low-density Gulf-front buildings in Panama City Beach, Grande Surf Club has only two residences per floor, creating a level of privacy and tranquility that is increasingly difficult to find along the beach. Unit 12W offers the feel of a private beachfront home while still providing the convenience and amenities of condominium living.
Inside, you'll find high-end finishes, custom details, and a beautifully designed interior that was clearly created for personal enjoyment rather than a typical rental setup. The custom ceiling treatments add character and sophistication, while the spacious living area provides the perfect setting for relaxing, entertaining, and taking in the Gulf-front lifestyle.
The furnishings and appointments continue that elevated feel, including a massive leather sectional, electric fireplace, and an impressive dining table with seating for eight. Even better, the dining table transforms into a full poker table, creating a unique entertainment space for family and friends.
Step outside and experience the true centerpiece of coastal living--the Gulf. Enjoy your morning coffee with the sound of the waves, relax in the afternoon breeze, or gather with guests as the sun sets over the emerald waters. The Gulf-front setting provides the backdrop that buyers dream about when searching for a Panama City Beach residence.
Because this condo has never been placed in a rental program, it offers a rare opportunity for a buyer who values condition, privacy, and personal-use ownership. You won't be purchasing a heavily used vacation rental--you'll be stepping into a residence that has been cared for and enjoyed by its owner.
Grande Surf Club is a destination within a destination, offering private beach access, a resort-style community pool, and a peaceful atmosphere without the crowds and density found at many larger beachfront developments.
If you're searching for a truly special Gulf-front condo in Panama City Beach--one with exceptional finishes, custom character, low-density privacy, and a history of personal ownership--Grande Surf Club 12W deserves your attention.
Opportunities to purchase a residence of this caliber in a building with only two units per floor are limited. Schedule your private showing and see what makes Unit 12W one of the standout residences at Grande Surf Club.
#794631

Panama City Beach

8601 Surf Drive 12W

3 Beds

2 Baths

1,783 Sq.Ft.

$849,000

MLS#: 794631

New on site 4 days ago
Coastal living meets investment potential at this spacious 4-bedroom, 4-bath beach home along Front Beach Road in Panama City Beach. Offering approximately 2,540 square feet across three levels, this property provides the space, location, and layout sought after by vacationers and short-term rental investors alike.

Enjoy Gulf views and easy access to the sugar-white sand just across the street. Multiple balconies provide outdoor spaces to take in the coastal surroundings, while the interior offers generous accommodations for guests, including multiple living areas and well-appointed bedrooms. An elevator adds convenience between floors, and the two-car garage provides valuable parking and storage--an added benefit for a beach property.

With short-term rentals allowed and no HOA, this property offers flexibility for investors looking to capitalize on Panama City Beach's strong vacation market or buyers searching for a second home with income-producing potential. Conveniently located near dining, shopping, entertainment, and everything the west end of PCB has to offer, this is an opportunity to own a versatile coastal property in a highly desirable location.

Tons of room to add a pool in the backyard too
#794633

Panama City Beach

21518 Front Beach Road

4 Beds

4 Baths

2,040 Sq.Ft.

$1,099,000

MLS#: 794633

Situated in the heart of Margaritaville Beach Cottage Resort, this thoughtfully designed beach cottage delivers a carefree, resort-style lifestyle paired with exceptional short-term rental potential. Just steps from the community's vibrant centerpiece, The Club, owners and guests enjoy access to a resort-caliber amenity set, including an expansive oasis-style pool, towering waterslide, lazy river, and poolside bar and grill with full-service dining.

A short stroll leads to 580 feet of dedicated sugar-white sand beach, where chair and umbrella service, beachside dining, and the emerald waters of the Gulf create the quintessential 30A experience. Coming this June, the resort's amenity suite expands further with the debut of the License to Chill Restaurant, a state-of-the-art fitness center, and a family-friendly arcade. Inside, the cottage's open-concept floor plan is designed for gathering, with abundant natural light and coastal-inspired interiors that evoke a bright, playful beach aesthetic. The gourmet kitchen features a striking oversized quartz island, ideal for entertaining. The main-level primary suite opens directly to a private six-person hot tub, offering a peaceful retreat after a day at the beach.

Thoughtfully furnished and turn-key, this home is perfectly positioned to serve as a personal getaway or high-performing rental, blending relaxed luxury with long-term investment value.
#775306

Panama City Beach

129 Paradise Found Circle

5 Beds

4 Baths

2,128 Sq.Ft.

$979,000

MLS#: 775306

Looking for a quiet low density high rise with unobstructive Gulf views? Welcome to Grande Surf with only 28 units in the building and 2 units per floor, this is the perfect place to consider for a permanent home or vacation rental. Some of the perks of the unit include a covered assigned parking space, 400 plus square foot balcony, larger than normal kitchen and plenty of living space with fireplace. Don't miss the opportunity to own in this amazing Gulf Front beach condo!
#794541

Panama City Beach

8601 Surf Drive 14E

3 Beds

3 Baths

2,008 Sq.Ft.

$975,000

MLS#: 794541

Seller will contribute up to $30,000 toward an interest-rate buydown or buyer closing costs with an acceptable offer! The most upgraded home to ever hit the market in Breakwater at Ward Creek. This 4-bedroom, 3.5-bath, 3,065 sq ft residence on a preserve-backing homesite has been finished years ahead of the standing inventory, with a level of detail that shows better than the model homes. Step into a two-story foyer with 20-foot ceilings, custom beam work, added window and door casing throughout, and a glass-enclosed wine cellar built under the stairs as an architectural feature. 

The kitchen carries KitchenAid appliances, a Thor cooktop, a custom wood vent hood with a top-tier exhaust system, marble counters that replaced all original quartz throughout the home, cabinet toppers, glass bar cabinetry, slide-out drawer systems, and full under- and in-cabinet lighting. The pantry was rebuilt into the largest available in a Toll Brothers floor plan, with custom shelving, marble counter, and a second LG refrigerator. 

Solid wood cabinetry was added in the mudroom, laundry, and primary bath, with new tile backsplashes, a shiplap accent wall, and gold fixtures and hardware carried through the home. Every closet is a custom build-out with drawers and shelving and dedicated lighting. The primary suite includes wireless motorized shades and a new dual shower with high-end tile and a custom waterfall design. Behind the home, a full front-and-back makeover delivers a saltwater pool and spa, fire pit with fire bowls, outdoor TV, landscape lighting, all backing to HOA preserve so the view stays yours.

A four-zone security camera system, whole-home WiFi coverage, custom tongue-and-groove porch ceilings, a fresh top-to-bottom interior repaint, and a three-car tandem garage with significant storage complete the home. This is not a project. It is move-in-ready luxury with nothing left to decide. Furniture negotiable.

Breakwater at Ward Creek is a gated community in one of Panama City Beach's strongest growth corridors. Its brand-new clubhouse just opened, with a fitness center, indoor and outdoor living spaces, a zero-entry pool with sun shelf and lap lane, cabana seating, a playground, tennis and pickleball courts, and a large outdoor green space. Nearby, the West Bay Town Center is bringing a new Publix and shopping, a new FSU Health hospital is underway, and a new Intracoastal marina is planned.
#1010540

Panama City Beach

300 Breakwater Boulevard

4 Beds

3 Baths

3,019 Sq.Ft.

$1,195,000

MLS#: 1010540

 - property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Gulf Life Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by Gulf Life Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.