Rosemary Beach
Rosemary Beach | Florida
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$1,330,000
Bedrooms
4
Bathrooms
2
Living
1,848
SQFT
Rosemary Beach
Rosemary Beach | Florida
Rosemary Beach, Florida, United States. , Rosemary Beach , Florida
Single Family Residence in Panama City Beach
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 [hidden information] 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!
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Local Weather & Climate
Rosemary Beach, Florida
Current Conditions
Updated recently
54
°F
Clear sky
Feels Like
51°F
Humidity
36%
Wind
9 mph
Visibility
6.2 mi
Sunrise
11:51 AM
Sunset
11:52 PM
5-Day Forecast
Tue
17
Mar
Clouds
High
56°
Low
56°
Wed
18
Mar
Clouds
High
59°
Low
37°
Thu
19
Mar
Clouds
High
65°
Low
49°
Fri
20
Mar
Clear
High
68°
Low
55°
Sat
21
Mar
Clear
High
71°
Low
63°
Data from OpenWeatherMap
Walkability & Transit Scores
How easy is it to get around Rosemary Beach?
Walkability and transit scores for this address come from the EPA National Walkability Index.
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$100,000
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Estimated Monthly Payment
$3,160
Monthly Payment Breakdown
Principal & Interest
$2,528
Loan Amount
$400,000
Total Interest
$337,621
Total Cost
$737,621
Potential Tax Benefits (United States)
$0
Est. First Year Interest Deduction
$0
Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.
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- This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
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- Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.
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Frequently Asked Questions
Common questions about this property
This house at Rosemary Beach, Florida, United States features 4 bedrooms with 1,848 square feet of living space.
This property offers 1,848 square feet of living space.
This property is listed at $133,000,000, which equals $71970 per square foot.
This is a house located in Rosemary Beach, Florida. The property is situated in an established neighborhood with convenient access to local amenities and services.
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