Features & Amenities

Interior

  • Other Interior Features

    Kitchen Island

  • Total Bedrooms

    4

  • Bathrooms

    2

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s), Electric

  • Heating YN

    YES

  • Heating

    Central, Electric

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    1

  • Construction Materials

    Frame

  • Parking

    Garage Door Opener, Golf Cart Garage, Guest, Carport, Detached, Garage

  • Patio and Porch Features

    Porch, Deck

  • Pool

    No

Area & Lot

  • Lot Size(acres)

    0.19

  • Lot Size(square feet)

    8,276

  • Property Type

    Residential

  • Property Sub Type

    Single Family Residence

  • Architectural Style

    Beach House

Price

  • Sales Price

    $1,100,000

  • Tax Amount

    $487.77

  • Zoning

    Resid Single Family

  • Sq. Footage

    1,848

  • Price/SqFt

    $595

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

  • Foundation Details

    Slab

  • Sewer

    Septic Tank

  • Water Source

    Public

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Location

County

Bay

Elementary School

West Bay

Middle School

Surfside

High School

Arnold

Listing Courtesy of Kellie D Clements , Compass

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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 at the most laid back beach access ensuring 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!

122 Monterey Avenue

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Related Properties

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.

$935,250

MLS#: 791607

New on site today
Two adjoining lots on Front Beach Road, offered at the same time by the same owner. This is 21802. The adjoining lot at 21806 Front Beach Road is listed separately. Take one or take both. 

Together the two parcels form one contiguous site of 0.384 acre with 111.3 feet of frontage on Front Beach Road and roughly 135 feet of depth. The two lots share a 135 foot common boundary. About 230 feet to the sand.

Everything below is drawn from Bay County public records and the published Bay County Land Development Regulations. Confirm all of it with Bay County Planning and Zoning before relying on any of it.

OPEN GULF VIEW TODAY

The homes directly across Front Beach Road are low single story houses, so the Gulf view from this lot is open right now. On much of this stretch it is not, because taller beachfront construction sits between the north side lots and the water.

Views are current condition and are not protected. The Gulf side parcels across Front Beach Road carry a more intense zoning designation than this parcel and could be redeveloped taller. Any buyer paying for the view should evaluate that independently.

ZONING OF RECORD

Bay County GIS shows this parcel zoned SR-1 Seasonal Resort with a Seasonal/Resort future land use designation, in unincorporated Bay County rather than inside the City of Panama City Beach limits.

The SR-1 district, as published in the Bay County Land Development Regulations, lists the following among its permitted uses: single family, duplex, triplex and quadraplex, multifamily, condominium, bed and breakfast, hotel and motel, and rental beach houses and cottages. The published SR-1 bulk regulations show a 60 foot maximum height and a maximum density of 15 units per acre.

Buyers should confirm the current code text, the applicable site plan and development review process, and any hearing requirements directly with Bay County Planning. Nothing here represents that a particular project, unit count, or height will be approved.

Anyone planning nightly rental should confirm current Bay County short term rental requirements, including the county vacation rental certificate, tourist development tax registration, and the applicable state license.

FLOOD ZONE X

FEMA's National Flood Hazard Layer shows this parcel in flood zone X, an area of minimal flood hazard, with no base flood elevation. Gulf side parcels across Front Beach Road fall in the mapped high hazard zones. Verify the current effective flood map and your own premium with your insurance agent.

BUY ONE OR BUY BOTH

Each lot measures roughly 55 feet of frontage by 135 feet of depth and exceeds the published SR-1 minimum lot area of 5,000 square feet and minimum lot width of 50 feet.

Bought together, the two lots give a buyer about 111 feet of contiguous width instead of two separate 55 foot lots. What that supports in practice depends on setbacks, parking and impervious surface limits, all of which should be confirmed with Bay County Planning.

An existing single family home sits on the lot.

LOCATION

North side of Front Beach Road at the west end of Panama City Beach, in the Hollywood Beach subdivision. This is not a Gulf front parcel.

Several nearby parcels on this stretch are carried on the tax roll as vacant. Assembled frontage on Front Beach Road under a single owner does not reach the market often.

An overhead site exhibit showing both lots and the combined dimensions is available on request.

Buyer to independently verify zoning, density, permitted use, setbacks, development review requirements, flood zone, view impacts and all development standards with Bay County Planning and Zoning with the Florida Department of Environmental Protection as to any coastal permitting. Dimensions are approximate and scaled from Bay County GIS. Not a survey. Seller and listing broker make no representation as to what may be built, permitted or approved on this site or on any neighboring s
#793665

Panama City Beach

21802 Front Beach Road

2 Beds

1 Baths

884 Sq.Ft.

$1,200,000

MLS#: 793665

New on site today
Two adjoining lots on Front Beach Road, offered at the same time by the same owner. This is 21806. The adjoining lot at 21802 Front Beach Road is listed separately. Take one or take both. 

Together the two parcels form one contiguous site of 0.384 acre with 111.3 feet of frontage on Front Beach Road and roughly 135 feet of depth. The two lots share a 135 foot common boundary. About 230 feet to the sand.

WHAT YOU CAN BUILD HERE

Zoning is SR-1 Seasonal Resort in unincorporated Bay County. This is the part to read twice. Under the Bay County Land Development Regulations, SR-1 permits single family, duplex, triplex and quadraplex, multifamily, condominium, bed and breakfast, hotel and motel, and rental beach houses and cottages. Those are permitted uses, not conditional ones. Height is allowed to 60 feet and density to 15 units per acre.

A buyer can underwrite a lodging or multifamily project here without a rezoning, a comprehensive plan amendment, or a conditional use hearing. On this corridor that is the difference between a deal you can close on and a deal that waits on a public vote.

Short term rental is a permitted use in SR-1. Not a variance, not a grandfathered exception.

FLOOD ZONE X

FEMA carries this parcel in flood zone X, an area of minimal flood hazard, with no base flood elevation. The Gulf side parcels across Front Beach Road sit in the mapped high hazard zones. Verify it early with your insurance agent, because on this corridor that gap goes straight to carrying cost.

BUY ONE OR BUY BOTH

Each lot independently exceeds the SR-1 minimum lot area of 5,000 square feet and the minimum lot width of 50 feet. Both are developable standing alone. So every option is open: take this one by itself, take both and develop as a single site, or take both and develop one while you hold the other.

Combined, the setbacks yield a buildable envelope of roughly 96 feet by 99 feet. That is wide enough for one building with one shared parking field and one curb cut. Two separate 40 foot wide envelopes will not do that. It is where combining earns its premium.

An existing single family home sits on the lot. Hold it, rent it nightly under SR-1, or clear it and build.

LOCATION

North side of Front Beach Road at the west end of Panama City Beach, in the Hollywood Beach subdivision. Gulf views across the road. This is not a Gulf front parcel.

The block is not finished. Several nearby parcels on this stretch of Front Beach Road are carried on the tax roll as vacant, and the corner properties include commercial uses. This is a redevelopment block, and assembled frontage on Front Beach Road under a single owner does not reach the market often.

An overhead site exhibit showing both lots, the combined dimensions and the road frontage is available on request.

Buyer to independently verify zoning, density, permitted use, setbacks, flood zone and all development standards with Bay County Planning and Zoning, with the Florida Department of Environmental Protection as to any coastal permitting. Dimensions are approximate and scaled from Bay County GIS. Not a survey. No unit count is represented.
#793664

Panama City Beach

21806 Front Beach Road

4 Beds

2 Baths

1,480 Sq.Ft.

$1,300,000

MLS#: 793664

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!
#778175

Panama City Beach

122 Monterey Avenue

4 Beds

2 Baths

1,848 Sq.Ft.

$1,100,000

MLS#: 778175

New on site 1 day ago
Build your dream beach home on this beautifully situated lot just across the street from the Gulf. Prime location with possible dreamy panoramic Gulf views. Enjoy a day relaxing on the beach as the pristine waves wash up over your feet and then when after enjoying a picture perfect sunset retreat to your tropical oasis. This is a rare opportunity to own a beach view lot and have your personal residence or a vacation rental machine. There is a small house on the lot. This prized piece is close to 30A and Pier Park and won't last long.
#793625

Panama City Beach

21224 Front Beach Road

2 Beds

1 Baths

804 Sq.Ft.

$1,100,000

MLS#: 793625

A rare opportunity in the heart of Bid-A-Wee, one of Panama City Beach's most coveted neighborhoods and the only beach community along PCB's 26 miles of sugar-white sand offering private gated deeded beach access. The property is ideally located within a limited section of the neighborhood where SHORT-TERM RENTALS ARE PERMITTED, making it an exceptional find! This unique property sits on one parcel and features two separate residential units, offering exceptional flexibility for homeowners and investors alike. Whether you live in one unit and rent the other, or maximize income by renting both, the options here are hard to find -- especially this close to the Gulf. The primary residence at 13801 Bay Avenue offers approximately 1,200 square feet with 3 bedrooms and 2 full baths, featuring recent interior updates including the kitchen, living areas, bedrooms, bathrooms, and updated flooring. A sunroom/breezeway connects the home to a two-car garage and opens to a private fenced backyard complete with a covered grilling patio and open deck -- ideal for outdoor living. The second residence, identified for mailing purposes as 500 Albatross Street, offers approximately 1,100 square feet with 3 bedrooms and 2 full baths in an open-concept layout. This unit includes a covered front porch, fenced backyard with gated access, and its own garage connection, providing privacy and functionality for guests or tenants. Both units feature laundry rooms, separate entrances, dedicated garage space, and ample parking, including room for a boat or additional vehicles. With a three-minute walk or 30-seconds in a golf cart to the Gulf, owners may opt into the Bid-A-Wee HOA for a nominal annual fee, granting access to the gated beach entrance. Centrally located near Pier Park, dining, shopping, entertainment, and nightlife, this property delivers the perfect balance of beach lifestyle, neighborhood charm, and income potential. **FLOOR PLANS in Photos** Dimensions approximate, please verify if important.
#793205

Panama City Beach

13801 Bay Avenue

6 Beds

4 Baths

2,320 Sq.Ft.

$999,500

MLS#: 793205

GROSS RENTALS OVER $100,000 IN 2025.   This townhouse has 10' ceilings in the living room giving it a very open feel.   Large deck GULF FRONT with private walk way to the beach.    Located at the intersection of Hwy 79 and Front Beach Road.   This is a BEACH-FRONT TOWNHOUSE WITH NO HOA DUES.   Master bedroom is GULF-FRONT.    Lots of updates throughout, including bathrooms and flooring.   3 full bedrooms, 3 full bathrooms.   Recent appraisal at $1.06M (LISTED AT $75K UNDER APPRAISED VALUE)
#793151

Panama City Beach

17135 Front Beach Road 27

3 Beds

3 Baths

1,752 Sq.Ft.

$989,000

MLS#: 793151

NO RENTAL RESTRICTIONS!!! 
This limited collection of vacation homes offers an exceptional opportunity to own in one of the area's most sought-after locations -- literally across the street from the sugar-white sands and shimmering Gulf waters.
This home showcases spacious, open-concept designs with 4 bedrooms, 4.5 baths, and a bunk room. Enjoy high-end finishes, stylish coastal architecture, and your own private pool with a temperature control system  -- the ultimate spot for relaxing or entertaining after a day at the beach. Expansive covered porches invite you to take in stunning sunrises and sunsets in true coastal style. Close to popular restaurants (walk to Schooner's), shops, golf courses, and water activities, this community also offers convenient access to Panama City proper and the Northwest Florida Beaches International Airport.
#793129

Panama City Beach

5233 Thomas Drive

4 Beds

4 Baths

2,345 Sq.Ft.

$974,900

MLS#: 793129

WATCH DOLPHINS AND MANATEES SWIM, FISH JUMP, AND BIRDS VISIT THE DOCK. BOAT FROM YOUR BACK YARD. NOW AVAILABLE: A GREAT WATERFRONT HOME WITH DEEP WATER ACCESS. NOT ONLY ARE THESE OPPORTUNITIES LIMITED IN PANAMA CITY BEACH, BUT THIS HOME HAS SO MUCH CHARACTER AND UNIQUE FEATURES THAT WE THINK YOU WILL LOVE. 4 BEDROOMS, MASTER BEDROOM ENSUITE IS ON THE GROUND FLOOR, 2 BEDROOMS UPSTAIRS SHARE A JACK-N-JILL BATH, 2.5 HALF BATHS TOTAL, A BONUS ROOM AND A LOFT BIG ENOUGH FOR ANOTHER BEDROOM OR WHATEVER YOUR BEST USE MAY BE. THIS HOME HAS GONE THROUGH A COMPLETE REMODEL, AND IT HAS BECOME A SHOWCASE PROPERTY. OVER THE LAST TWELVE MONTHS, IT HAS BECOME A FABULOUS PLACE TO HOST WONDERFUL THEME PARTIES AND MORE. IT IS IN A PERFECT LOCATION CLOSE TO THE END OF THE WAHOO ROAD CANAL AND OFFERS SO MUCH PRIVACY, A LOT LESS WAKES AND BOAT TRAFFIC. OUTSIDE HOT AND COLD WATER SHOWER. SOLAR PANELS ARE A BIG PLUS HERE (PAID FOR) AT NO EXTRA COST TO THE BUYER, AND THE AVERAGE POWER BILL IS $60.00 A MONTH; THE HOOK-UP FOR THE ELECTRIC VEHICLE WAS INSTALLED. THE SELLER IS A LICENSED FLORIDA REALTOR; CALL ME TO SEE THIS BEAUTIFUL HOME OR THE REALTOR YOU WORK WITH. PROOF OF FUNDS OR PRE-Q LENDER LETTER. SELLER IS A LICENSED FLORIDA REALTOR.
#792981

Panama City Beach

397 Wahoo Road

4 Beds

3 Baths

3,210 Sq.Ft.

$1,189,000

MLS#: 792981

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