2021 Monterey M-45

About This Vessel

This 2021 Monterey M-45, measures 24 ft, and is located in Merritt Island, Florida, powered by Mercury 300XXL 300.00HP.

2021 Monterey M-45The 2021 Monterey M-45 combines the open layout and versatility of a premium deck boat with an impressive level of comfort, storage and equipment for a boat of this size. Powered by a white Mercury 300 HP Verado outboard with only 93.6 original hours, this M-45 offers an inviting platform for cruising, watersports, entertaining or simply spending the day anchored with family and friends.The cockpit and bow are designed around flexible seating and easy movement throughout the boat. Deep wraparound seating provides generous passenger capacity, while contrasting upholstery, diamond-pattern accents and stainless-steel details give the interior a decidedly upscale appearance. Terra SeaDek extends through the cockpit and swim platform, providing an attractive, comfortable and practical surface underfoot.The cockpit places particular emphasis on versatility. A large multi-position aft lounge converts from conventional cockpit seating into an expansive reclining lounge and sunpad, while the portside seating extends forward to a companion seat with a repositionable backrest that creates a separate reclining lounge. Together, these seating arrangements allow the cockpit to transition easily from underway seating to a relaxed social space at anchor. A removable cockpit table provides a convenient gathering place for refreshments or casual dining.Along the starboard side, the cockpit refreshment center incorporates a sink and faucet beneath a covered work surface, with a protective stainless-steel rail and cabinet storage below. The arrangement keeps refreshments convenient to the primary entertaining area without interrupting the passage between the helm and swim platform.Forward through the center windshield walkthrough, the bow provides another substantial social and relaxation area. Opposing port and starboard lounges feature upholstered backrests, stainless-steel grab rails and recessed cupholders. The bow filler cushion converts the seating area into an expansive sunpad/lounge, creating a second dedicated relaxation space separate from the convertible cockpit seating.Storage is particularly impressive throughout the M-45. Numerous compartments are incorporated beneath seating and within the cockpit and bow, allowing equipment to be distributed throughout the boat rather than consuming passenger space. An oversized in-deck storage compartment with gas-assisted hatch provides exceptional capacity for watersports equipment, dive gear, fenders and other bulky equipment, while retaining convenient access to the battery bank below. Additional compartments provide convenient storage for life jackets, canvas and everyday boating equipment.For swimming, watersports and beach outings, the broad stern boarding area provides convenient access to the water through a telescoping stainless-steel boarding ladder. A pressurized freshwater shower is positioned nearby for rinsing off after swimming or a day at the beach, while a second freshwater spray is provided forward. Bow access further enhances the boat's usefulness when enjoying sandbars and waterfront destinations. The freshwater system is supplied by a 10-gallon onboard tank.At the helm, the M-45 provides a clean, modern operating environment centered around a Raymarine Axiom Pro 7-inch multifunction display with chartplotter, sonar, depth sounder, integrated engine functions and updated 2026 navigation and detailed fishing charts. Mercury instrumentation and controls are complemented by Lenco trim tabs with position indicators and automatic retract. A dedicated pedestal helm chair with flip-up bolster provides flexibility for seated or elevated operation.Entertainment is provided by an upgraded Fusion audio system paired with Rockford Fosgate components, including four M2 6.5-inch LED marine speakers, a 10-inch Punch subwoofer, five-channel amplifier and stern-mounted stereo remote. The system provides audio coverage throughout the boat and complements the M-45's emphasis on entertaining and outdoor recreation.For additional comfort during longer days aboard, the M-45 includes an enclosed marine head compartment with a compact pump-out toilet and screened portlight—a particularly useful feature when entertaining family or spending a full day away from the dock.Overhead, the white wakeboard tower incorporates an integrated Bimini top, providing shade across the cockpit while retaining the boat's open-air character. Onyx bow and cockpit covers provide protection when the boat is not in use.This M-45 presents as a thoughtfully equipped example of Monterey's sport deck design, combining substantial seating capacity, abundant storage, premium entertainment equipment and genuine day-boating practicality in a manageable outboard-powered package. Its convertible seating, bow and stern water access, enclosed head and extensive storage make it equally well suited to cruising the Intracoastal, entertaining at the sandbar or spending an active day on the water.Equipment & FeaturesWhite Mercury 300 HP Verado XXL outboardRaymarine Axiom Pro 7-inch multifunction displayChartplotter, sonar, transducer and depth sounderIntegrated engine functionsUpdated 2026 navigation and detailed fishing chartsLenco trim tabs with position indicators and automatic retractWhite wakeboard tower with integrated Bimini topOnyx bow and cockpit coversTerra SeaDek cockpit and swim platform inlaysMulti-position convertible aft lounge/sunpadConvertible portside companion reclining loungeWraparound portside cockpit seatingRemovable cockpit tableConvertible bow seating with filler cushionWet bar with solid-surface work surface, sink and faucetEnclosed marine head with compact pump-out toilet and screened portlightTelescoping stern boarding ladderBow boarding ladderBow and stern pressurized freshwater sprays/showersOversized gas-assisted in-deck storage compartmentAdditional under-seat, cockpit and bow storageDual batteries — replaced January 2025Onboard battery chargerShore-power connectionFusion premium marine stereoFour Rockford Fosgate M2 6.5-inch LED marine speakers10-inch Rockford Fosgate Punch subwooferFive-channel amplifierStern-mounted stereo remoteTankageFuel Capacity: 50 gallonsFresh Water Capacity: 10 gallonsEngine & ServiceWhite Mercury 300 HP Verado XXL93.6 original hoursMost recent documented Mercury dealer service: January 6, 2025Seller reports approximately 30% of engine operating time accumulated at idle/no-wake speedsSeller reports remaining operating time primarily at comfortable cruising speeds of approximately 4,000 RPM or belowSeller reports the engine has not routinely been operated at high RPMBoat and engine reportedly rinsed following use with freshwater or salt-removing wash concentrateMaintenance records from current ownership availableCondition & Ownership HistoryThe current owner purchased the M-45 in September 2024 from a close friend who was the boat's original owner. According to the seller, the boat has been dry stored since new and has never remained in the water other than occasional overnight outings. Its use has been primarily on Florida's Intracoastal Waterway.The seller reports:Dry stored since newNo bottom paintNo accidents, collisions or groundingsNo insurance claimsNo known fiberglass or gelcoat repairsAll onboard systems operating properlyUpholstery, Terra SeaDek, covers and removable components in excellent conditionClear Florida titleFlorida registration current through December 2026Included Documentation & AccessoriesBoth ignition keysCompartment keysOwner's manualsMaintenance records from current ownershipOnyx bow coverOnyx cockpit coverTrailerTrailer not included  It is offered as a convenience by this broker/dealer to its clients and is