2021 Monterey M-45 Boat in Merritt Island, FL 32952 US
Built in 2021
M-45
1 Engine (Mercury)
24 feet
Gas
Fiberglass/Reinforced
2021 Monterey M-45
The 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 & Features
- White Mercury 300 HP Verado XXL outboard
- Raymarine Axiom Pro 7-inch multifunction display
- Chartplotter, sonar, transducer and depth sounder
- Integrated engine functions
- Updated 2026 navigation and detailed fishing charts
- Lenco trim tabs with position indicators and automatic retract
- White wakeboard tower with integrated Bimini top
- Onyx bow and cockpit covers
- Terra SeaDek cockpit and swim platform inlays
- Multi-position convertible aft lounge/sunpad
- Convertible portside companion reclining lounge
- Wraparound portside cockpit seating
- Removable cockpit table
- Convertible bow seating with filler cushion
- Wet bar with solid-surface work surface, sink and faucet
- Enclosed marine head with compact pump-out toilet and screened portlight
- Telescoping stern boarding ladder
- Bow boarding ladder
- Bow and stern pressurized freshwater sprays/showers
- Oversized gas-assisted in-deck storage compartment
- Additional under-seat, cockpit and bow storage
- Dual batteries - replaced January 2025
- Onboard battery charger
- Shore-power connection
- Fusion premium marine stereo
- Four Rockford Fosgate M2 6.5-inch LED marine speakers
- 10-inch Rockford Fosgate Punch subwoofer
- Five-channel amplifier
- Stern-mounted stereo remote
Tankage
- Fuel Capacity: 50 gallons
- Fresh Water Capacity: 10 gallons
Engine & Service
- White Mercury 300 HP Verado XXL
- 93.6 original hours
- Most recent documented Mercury dealer service: January 6, 2025
- Seller reports approximately 30% of engine operating time accumulated at idle/no-wake speeds
- Seller reports remaining operating time primarily at comfortable cruising speeds of approximately 4,000 RPM or below
- Seller reports the engine has not routinely been operated at high RPM
- Boat and engine reportedly rinsed following use with freshwater or salt-removing wash concentrate
- Maintenance records from current ownership available
Condition & Ownership History
The 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 new
- No bottom paint
- No accidents, collisions or groundings
- No insurance claims
- No known fiberglass or gelcoat repairs
- All onboard systems operating properly
- Upholstery, Terra SeaDek, covers and removable components in excellent condition
- Clear Florida title
- Florida registration current through December 2026
Included Documentation & Accessories
- Both ignition keys
- Compartment keys
- Owner's manuals
- Maintenance records from current ownership
- Onyx bow cover
- Onyx cockpit cover
Trailer
- Trailer not included
Engine and generator hours are as of the date of the original listing and are a representation of what the listing broker is told by the owner and/or actual reading of the engine hour meters. The broker cannot guarantee the true hours. It is the responsibility of the purchaser and/or his agent to verify engine hours, warranties implied or otherwise and major overhauls as well as all other representations noted on the listing brochure.
The company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change or withdrawal without notice.
Price History
| Date | Event | Price |
|---|---|---|
| 8/19/26 | Initial price | $79,000 |
2021 Monterey M-45 Video Tours
Overview from around the web 2021 Monterey M-45
The 2021 Monterey M-45 is receiving rave reviews from customers who appreciate its blend of performance, comfort, and sleek design
Boaters are particularly impressed with its spacious layout, which offers ample seating and social areas for family and friends. The premium upholstery and high-quality materials elevate the overall experience, making it perfect for long days on the water. Users also praise the M-45’s impressive performance capabilities, thanks to its powerful engine options that provide a smooth and exhilarating ride. The innovative hull design ensures stability and handling, making it suitable for both leisurely cruising and more adventurous outings. Many customers highlight the convenience features, such as a well-equipped helm with advanced navigation technology and easy access to storage, contributing to a hassle-free boating experience. The boat’s attention to detail and stylish aesthetics have also garnered compliments, with its modern lines and eye-catching color options. Overall, the 2021 Monterey M-45 has made a mark as a versatile and stylish choice for boat enthusiasts, offering everything needed for enjoyable days on the water.
The Biggest Pros and Cons
The 2021 Monterey M-45 is a well-regarded boat that offers a blend of luxury, performance, and practical features. Here are some pros and cons to consider:
Pros
Stylish Design: The Monterey M-45 boasts a sleek and modern aesthetic, with clean lines and a sporty profile that appeals to many boating enthusiasts.
Spacious Interior: The cabin offers ample space for entertaining and relaxing, with comfortable seating and a well-appointed helm that enhances the overall boating experience.
Powerful Performance: Equipped with strong engine options, the M-45 delivers impressive performance on the water, providing quick acceleration and smooth handling.
High-Quality Materials: The boat features high-end finishes and durable construction, ensuring longevity and a premium feel throughout.
Versatile Layout: The design includes flexible seating arrangements, making it easy to accommodate guests or create a spacious area for sunbathing.
Advanced Technology: The M-45 is outfitted with modern navigation and entertainment systems, enhancing convenience and connectivity for boaters.
Cons
Price Point: The initial investment for the M-45 can be on the higher side, which may be a consideration for budget-conscious buyers.
Fuel Efficiency: While powerful, the engine options might not be as fuel-efficient as some competitors, leading to higher operating costs for extended outings.
Maintenance Costs: The luxury features and complex systems may result in increased maintenance requirements and costs over time.
Storage Areas: Some users find that while the boat is spacious, certain storage areas might be limited for the amount of gear needed for day trips or weekend getaways.
Draft Depth: The M-45 may have a deeper draft, which could limit access to some shallow waterways or marinas, making it less versatile in certain environments.
Made For
The 2021 Monterey M-45 is designed for those who seek the perfect blend of luxury, performance, and style on the water. Ideal for families and friends looking to enjoy weekends filled with fun and adventure, this boat caters to both the casual cruiser and the performance enthusiast. With its sleek, modern design and innovative features, the M-45 offers ample space for relaxation and entertainment, making it perfect for gatherings, day trips, or longer excursions. The boat is equipped with powerful engines that provide exhilarating performance, while the comfortable seating and high-quality finishes ensure a premium experience aboard. Whether you're fishing, waterskiing, or simply enjoying a sunset ride, the 2021 Monterey M-45 is built for those who appreciate the finer things in life and wish to make unforgettable memories on the water.
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 2021 Monterey M-45 | ||||||
|---|---|---|---|---|---|---|
| Price | $79,000 | $64,900 | $64,000 | $59,977 | $49,995 | $49,995 |
| Location | Merritt Island | Fort Myers | Lake Placid | Bradenton | Freeport | Pensacola |
| Nominal Length | 24' | 22' | 27' | 20' | 23' | 23' |
| Draft | 3' | - | - | - | - | - |
| Engine Make | Mercury | - | - | - | - | - |
| Total Engine Power | 300 hp | - | - | - | - | - |
| Days on Market | 14 | 11 | 105 | 180 | 6 | 300 |
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Other Information about United Yacht Sales
Our mission is to provide boaters unequaled brokerage and ownership services before, during and after every transaction. We hold ourselves to the highest levels of expertise and professional standards. We have cultivated a standard at United Yacht whereby our client's best interest is at the center of everything we do.
Boat Location
Contact United Yacht Sales about 2021 Monterey M-45
Harbortown Marina, 2700 Harbortown Drive, Merritt Island, FL, 32952
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