Panama City Beach · Neighborhood
Santa Monica Beach Homes for Sale
Santa Monica Beach shows one active and 17 sold dwellings in a September 24, 2026 listing search, with sales from January 27, 2016 to April 18, 2025, and county records list one 4.304-acre common-area parcel at 20825 Front Beach Road.
Updated
Short-term rentals: not yet confirmed for this neighborhood.
Living in Santa Monica Beach
Santa Monica Beach turns up as one active dwelling and 17 completed sales in a listing search saved September 24, 2026. The sales run from January 27, 2016 to April 18, 2025, about nine years and three months, which averages under two a year.
Bay County's owner-name search returns a single parcel, 36580-000-000 at 20825 Front Beach Road. Its owner field reads Santa Monica Beach Property, its use class is residential common area, and it holds 4.304 acres. Unincorporated Bay County, not the city of Panama City Beach, is where the county's municipal boundary layer maps this parcel.
FEMA's national flood layer, checked October 3, 2026, shows Zone VE, the coastal category, over a point well inside the parcel at a base flood elevation of 14 feet, with 15 feet also touching its outline. BayView's own flood layer showed Zone VE at 13 feet, one foot lower.
One common-area parcel cannot show how many homes use the name, and it does not settle title, association terms, public access or a perimeter. Nothing drawn in the county's map gallery is offered as a legal representation of the features it depicts, according to the gallery's own GIS disclaimer. Match each listing to its own county parcel before drawing on this one.
HOA & Fees
What is the HOA fee at Santa Monica Beach?
As of November 13, 2026, Santa Monica Beach homes for sale that report a fee on the MLS list these HOA fees:
- Single-family homes: $20 a month (2 listings)
Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.
Based on 2 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.
Live Inventory
Homes for Sale in Santa Monica Beach
$1,295,000
204 Buena Vista Avenue
Panama City Beach, FL 32413
$1,000,000
122 Monterey Avenue
Panama City Beach, FL 32413
The short-term rental badge above is not a permission of record. It reflects the MLS short-term-rental field where a listing discloses one, and otherwise where the home sits. Confirm the association's current rules and the local registration requirement before relying on it.
Local Answers
Santa Monica Beach FAQ
How much is the HOA fee at Santa Monica Beach?
As of November 13, 2026, Santa Monica Beach homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $20 a month (2 listings). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.
When did the Santa Monica Beach listing search run, and what did it show?
The saved search is dated September 24, 2026 and lists a single active home beside 17 completed sales; treat it as that day's snapshot rather than current inventory.
What does Bay County record for the Santa Monica Beach name?
One parcel, 36580-000-000 at 20825 Front Beach Road: owner field Santa Monica Beach Property, residential common area, 4.304 acres.
How thin is the Santa Monica Beach sales history?
The 17 completed sales run from January 27, 2016 to April 18, 2025, about nine years and three months, or fewer than two a year on average, so a single sale can move a typical figure.
What flood zone does FEMA show at 20825 Front Beach Road?
Zone VE, FEMA's coastal category, at a base flood elevation of 14 feet inside the parcel, with 15 feet also touching its outline. BayView's county flood layer shows 13 feet, so check the current effective map for the address.
Is the Santa Monica Beach parcel inside the city of Panama City Beach?
No. No. Unincorporated Bay County holds the parcel according to the county's boundary data, and the Panama City Beach wording came only from how the saved search was labeled.
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Condo Buildings in This Market
Sources
- Bay County GIS, Santa Monica Beach parcel query (accessed September 29, 2026)
- Bay County Map Gallery (accessed September 29, 2026)
- Bay County Property Protection and Flood Hazards (accessed September 29, 2026)
- Bay County BayView GIS service (accessed September 29, 2026)
- FEMA National Flood Hazard Layer, flood hazard zones (accessed October 4, 2026)
Santa Monica Beach Market Analytics
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Thinking about Santa Monica Beach?
Covenants, rental rules, resale history - get the neighborhood file from agents who work it.