2021 Monterey M45

Step aboard and you’ll notice how the wide beam carries forward, giving the bow lounge a true living-room feel instead of a token perch. The wraparound cockpit seating invites a big crew, and the walkthrough transom makes slipping into the water feel effortless. At the helm, the sculpted dash and tilt wheel put everything right where you want it, while the flip-up bolster lets you choose between a laid-back or commanding driving position. Storage is everywhere—under seats, in the in-floor locker, and tucked into thoughtful cubbies—so boards, lines, and gear all disappear out of sight. Evening runs shine thanks to sleek hullside windows and modern lighting that give this M45 a subtle, upscale glow.

In warm, shallow, and often busy coastal waters, the M45 really comes into its own. The generous freeboard and secure bow seating keep family and friends comfortable when afternoon chop builds, while the wide, low swim platform and easy boarding ladder are perfect for sandbar rafting and swim stops. The outboard configuration keeps maintenance simple and allows exploring skinny backwaters that stern-drive boats avoid. With its roomy layout, you can host a crowd for intercoastal cruises, dockside dinners, or island-hopping days without anyone feeling cramped. The M45’s blend of athletic handling and plush lounging space makes it a natural fit for boaters who split their time between watersports, cruising, and tying up with the local raft-up scene.