Move-in-ready 2-bed, 2-bath first-floor condo in gated Monterey at Malibu Bay. Bright layout with split bedrooms, walk-in primary closet, in-unit laundry, impact entry door, and peaceful pond views. Recent upgrades include a NEW central A/C and updated alarm. Community offers resort-style amenities: clubhouse, fitness center, two pools, playground, BBQ areas, and 24/7 security. Prime location minutes from Baptist Hospital, shopping, restaurants, Turnpike access, Keys Gate, Everglades National Park, and 45 minutes to Key Largo. Property qualifies for FHA financing and Florida Housing down-payment assistance. Vacant and easy to show with Supra lockbox.