122 Monterey Avenue
Listed By Compass
Listed By Compass
Active
Est: $5,124/moGet pre-approved
Single FamilyProperty Type
8,276 sq ftLot Size
1977Year Built
$541/sq ftPrice per sq ft
8 carsParking Spaces
2.5%Buyer's Agent Compensation
Description
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...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!
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...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!
Listing Agent
363 days on Market
Last updated: 08/30/2026 05:51 PM • Source: ECAR, MLS#: 983991
Location
Add your commute
Payment Calculator
$5,124 per month
30 year fixed, 6.55% Interest
Principal and Interest
$5,083
Property Taxes
$41
HOA Dues
$0
The Payment Calculator is for illustrative purposes only.
Know your buying power with a preapproval and custom rate in minutes
1Property Information for 122 Monterey Avenue
Property Details
- Taxes: $488 / year
- MLS Type: Residential / Detached Single Family / Single Family Residence
- County: Bay County
- Buyer's Agent Compensation: 2.5%
- View: Gulf
- Zoning: Resid Single Family
- Architectural Style: Beach House
- Subdivision Name: SANTA MONICA BEACH
- Waterfront YN: No
Building Information
- Stories: 2
- Year Built: 1977
- Lot Size: 0.19 AC / 8,276 SF
Summary
Location and General Information
- Community Features: Short Term Rental - Allowed, Beach, Deed Access
- Directions: 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.
- MLS Area Minor: 0324 - Beach - West Central
- MLS Area Major: 03 - Bay County - Beach
- Latitude: 30.249096
- Longitude: -85.943203
- Location Tax and Legal:Sub Area: 2724 - Beach - West Central
- Location Tax and Legal:Elementary School: West Bay
- Location Tax and Legal:Middle School: Surfside
- Location Tax and Legal:High School: Arnold
- Location Tax and Legal:Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227
- Project Facilities: Beach, Deed Access, Short Term Rental - Allowed
- Garage: true
Taxes and HOA
- Association Fee Frequency: Annually
- Association Fee Includes: Accounting, Ground Keeping
- Tax Legal Description: SANTA MONICA BEACH LOT 27 BLK 2 ORB 3922 P 2227
- Parcel Number: 37191-010-000
- Association Amenities: Beach Rights
- Association Fee: $0
- Association YN: Yes
- Tax Annual Amount: $488
- Listing Info Tax Legal:Last Taxes: $488
- Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
- Elementary School: West Bay
- Middle Or Junior School: Surfside
- High School: Arnold
Parking
- Carport YN: Yes
- Attached Garage YN: No
- Parking Features: Carport, Garage Detached, Golf Cart Enclosed, Guest
- Garage YN: Yes
- Covered Spaces: 2.0
- Carport Spaces: 1.0
- Garage Spaces: 1.0
- General Property Info:Carport Spaces: 1.0
- General Property Info:Driveway Spaces: 6.0
- Parking Features: Carport3, Garage Detached, Golf Cart Enclosed, Guest
Virtual Tour
- Virtual Tour URL Unbranded: https://my.matterport.com/show/?m=iuNbK6UgoXA&brand=0&mls=1&
Property
Lot Information
- Building Area Source: County PA Records
- Lot Size Dimensions: 75 x 110
- Lot Size Acres: 0.19
- Lot Size Area: 0.19
- Lot Size Units: Acres
- Property Condition: Construction Complete
- Lot Features: Covenants
- Building Area Total: 1848.0
- Lot Size Square Feet: 8276.4
- Living Area Source: Appraiser
- General Property Info:SqFt Source: County PA Records
- Waterview: Gulf2
- LotParcel Access: Paved Road
- Lot Features: Covenants
Property and Assessments
- Road Surface Type: Paved
- Tax Year: 2024.0
- Floor Plans Count: 3.0
- Property Type: Residential
- Year Built: 1977.0
- Property Sub Type: Detached Single Family
- Property Type Label: Residential
- New Construction YN: No
- General Property Info:Sub-Type: Detached Single Family
- General Property Info:Design: Beach House
- Construction Status: Construction Complete
- Construction Siding: Frame, Roof Metal, Slab
- Occupancy Status: Vacant
Utilities
- Sewer: Septic Tank
- Utilities: Electric, Phone, Public Water, TV Cable
- Electric: True
- Utilities: Electric, Phone2, Public Water, Septic Tank, TV Cable
- Energy: AC - 2 or More, AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Storm Doors, Storm Windows, Water Heater - Elect
Interior and Exterior Features
Exterior Features
- Exterior Features: Deck, Outdoor Shower
- Construction Materials: Frame
- Foundation Details: Slab
- Stories: 2.0
- Patio And Porch Features: Deck Open, Porch
- Roof: Roof Metal
- General Property Info:Pool: No
- General Property Info:Pool Type: None
- Exterior: Deck Open, Porch
Interior Features
- Heating: Central
- Cooling: Ceiling Fans, Central Air
- Interior Features: Kitchen Island, Lock Out, Washer/Dryer Hookup
- Window Features: Storm Windows
- Door Features: Storm Door(s)
- Room Type: Family Room, Florida Room, Kitchen, Dining Area, Master Bathroom, Bedroom, Full Bathroom
- Rooms Total: 10.0
- Bathrooms Total Integer: 2.0
- Bathrooms Total Decimal: 2.0
- Bathrooms Total Notational: 2.0
- Cooling YN: Yes
- Heating YN: Yes
- Bedrooms Total: 4.0
- Bathrooms Full: 2.0
- Kitchen Appliances: Auto Garage Door Opn, Dishwasher, Microwave, Stove/Oven Electric, Water Heater - Elect
- Interior: Furnished - None, Kitchen Island, Lock Out, WasherDryer Hookup
- Appliances: Auto Garage Door Opn, Dishwasher, Microwave, StoveOven Electric
- Furnished: Furnished - None
Room Information
Room 1
- Room Type: Family Room
- Room Level: First
- Room Length: 14.0
- Room Width: 14.0
- Room Dimensions: 14 x 14
Room 2
- Room Type: Florida Room
- Room Level: First
- Room Length: 10.0
- Room Width: 18.0
- Room Dimensions: 10 x 18
Room 3
- Room Type: Kitchen
- Room Level: First
- Room Length: 14.0
- Room Width: 13.0
- Room Dimensions: 14 x 13
Room 4
- Room Type: Dining Area
- Room Level: First
- Room Length: 10.0
- Room Width: 10.0
- Room Dimensions: 10 x 10
Room 5
- Room Type: Master Bathroom
- Room Level: Second
- Room Length: 19.0
- Room Width: 17.0
- Room Dimensions: 19 x 17
Room 6
- Room Type: Master Bathroom
- Room Level: Second
- Room Length: 8.0
- Room Width: 10.0
- Room Dimensions: 8 x 10
Room 7
- Room Type: Bedroom
- Room Level: First
- Room Length: 11.0
- Room Dimensions: 11 x 13
Room 8
- Room Type: Bedroom
- Room Level: First
- Room Length: 11.0
- Room Width: 11.0
- Room Dimensions: 11 x 11
Room 9
- Room Type: Bedroom
- Room Level: First
- Room Length: 11.0
- Room Width: 13.0
- Room Dimensions: 11 x 13
Room 10
- Room Type: Full Bathroom
- Room Level: First
- Room Length: 10.0
- Room Width: 9.0
- Room Dimensions: 10 x 9
Rental
Rent Information
- General Property Info:Immediate Occupancy: true
- Listing Info Tax Legal:Is Subject Leased: false
Property History for 122 Monterey Avenue
| Date | Event & Source | Price | Appreciation |
|---|---|---|---|
| Aug 30, 2026 | Listed (Active) ECAR #983991 | $1,330,000 | — |
| Aug 18, 2026 | Pending ECAR #983991 | — | |
| Aug 12, 2026 | Price Change ECAR #983991 | $1,000,000 | — |
| Aug 12, 2026 | Listed (Active) ECAR #983991 | $1,330,000 | — |
| Aug 8, 2026 | Expired ECAR #983991 | $1,100,000 | — |
| Aug 6, 2026 | Listed (Active) ECAR #983991 | $1,330,000 | — |
| Aug 1, 2026 | Expired ECAR #983991 | $1,100,000 | — |
| Jan 3, 2026 | Price Change ECAR #983991 | $1,200,000 | — |
| Jan 3, 2026 | Price Change CPAR #778175 | $1,200,000 | — |
| Aug 29, 2025 | Listed (Active) ECAR #983991 | $1,330,000 | — |
| Aug 26, 2025 | Listed (Active) CPAR #778175 | $1,330,000 | — |
| Jun 15, 2010 | Expired CPAR #402083 | $389,000 | — |
| Jan 7, 2010 | Listed (Active) CPAR #402083 | $450,000 | — |
| Date | Event & Source | Price |
|---|---|---|
| 08/30/2026 | Listed (Active) ECAR #983991 | $1,330,000 |
| 08/18/2026 | Pending ECAR #983991 | — |
| 08/12/2026 | Price Change ECAR #983991 | $1,000,000 |
| 08/12/2026 | Listed (Active) ECAR #983991 | $1,330,000 |
| 08/08/2026 | Expired ECAR #983991 | $1,100,000 |
| 08/06/2026 | Listed (Active) ECAR #983991 | $1,330,000 |
| 08/01/2026 | Expired ECAR #983991 | $1,100,000 |
| 01/03/2026 | Price Change ECAR #983991 | $1,200,000 |
| 01/03/2026 | Price Change CPAR #778175 | $1,200,000 |
| 08/29/2025 | Listed (Active) ECAR #983991 | $1,330,000 |
| 08/26/2025 | Listed (Active) CPAR #778175 | $1,330,000 |
| 06/15/2010 | Expired CPAR #402083 | $389,000 |
| 01/07/2010 | Listed (Active) CPAR #402083 | $450,000 |
For completeness, we often displays two records for one sale: the MLS record and the public record.
Public Records for 122 Monterey Avenue
Taxable ValueLand-Additions-Total-
Tax Record2024$488 ($41 / month)
Home Facts
Beds3Baths2Total Finished SqFt1,848 SqFtAbove Grade Finished SqFt1,848 SqFtStories2Lot Size8,232 SqFtStyleSingle Family ResidenceYear Built1977Year Renovated1977ZoningR1CountyBAYAPN37191-010-000
Schools near 122 Monterey Avenue
This home is within Bay.
Rating | School | Type | Grades | Distance |
|---|---|---|---|---|
| Public - | PK to 5 | |||
| Public - | PK to 12 | |||
| Public - | 9 to 12 | |||
| Public - | PK to 5 |
Rating | School | Distance |
|---|---|---|
West Bay Elementary School PublicPK to 5 | ||
Surfside Middle School PublicPK to 12 | ||
J.R. Arnold High School Public9 to 12 | ||
A. Gary Walsingham Academy PublicPK to 5 |
School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.
Similar Homes
New listings in 32413
1/49
$399,900
- 1
- Bedrooms
- 2
- Bathrooms
- 1,103
- Square Feet
1/35
$639,000
- 3
- Bedrooms
- 3
- Bathrooms
- 2,120
- Square Feet
- 0.11
- Acres
1/44
1/32
$469,900
- 3
- Bedrooms
- 2
- Bathrooms
- 1,990
- Square Feet
- 0.22
- Acres
1/83
$989,000
- 5
- Bedrooms
- 4
- Bathrooms
- 3,329
- Square Feet
- Unavailable
- Acres
1/18
$299,000
- 1
- Bedrooms
- 1
- Bathrooms
- 530
- Square Feet
1/27
$279,000
- 2
- Bedrooms
- 2
- Bathrooms
- 1,120
- Square Feet
1/100
$485,000
- 2
- Bedrooms
- 2
- Bathrooms
- 1,383
- Square Feet
- 0.09
- Acres
1/85
$685,000
- 2
- Bedrooms
- 2
- Bathrooms
- 1,223
- Square Feet
Explore Nearby Homes
- 30A East Homes for Sale
- Aqua Homes for Sale
- Carillon Beach Homes for Sale
- Celadon Beach Homes for Sale
- El Centro Beach Homes for Sale
- Emerald Beach Resort Condominiums Homes for Sale
- Fontainebleau Terrace Homes for Sale
- Laguna Beach Estates Homes for Sale
- Laguna Beach on the Gulf of Mexico Homes for Sale
- Lakeside by the Gulf Homes for Sale
- Miramar Heights Homes for Sale
- Nautilus Cove Homes for Sale
- Open Sands Homes for Sale
- Sunnyside on the Gulf Homes for Sale
- Wild Heron Homes for Sale
- Watersound Homes for Sale
- Seacrest Homes for Sale
- Panama City Beach Homes for Sale
- Inlet Beach Homes for Sale
- Ebro Homes for Sale
- Rosemary Beach Homes for Sale
- Panama City Homes for Sale
- Lynn Haven Homes for Sale
- Southport Homes for Sale
- Freeport Homes for Sale
- Youngstown Homes for Sale
- Santa Rosa Beach Homes for Sale
- Vernon Homes for Sale
- Fountain Homes for Sale
- Miramar Beach Homes for Sale
- 32462 Homes for Sale
- 32407 Homes for Sale
- 32409 Homes for Sale
- 32437 Homes for Sale
- 32461 Homes for Sale
- 32408 Homes for Sale
- 32455 Homes for Sale
- 32459 Homes for Sale
- 32428 Homes for Sale
- 32439 Homes for Sale
- 32401 Homes for Sale
- 32405 Homes for Sale
- 32444 Homes for Sale
- 32466 Homes for Sale
- 32404 Homes for Sale
No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.
The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.