<p>Caribbean coral reefs have experienced long-term declines in coral cover, structural complexity, and ecological function, yet many local reef systems remain underrepresented in sustained monitoring programs. This study presents a citizen science–generated site-level monitoring dataset for five fringing reef sites around Isla Solarte, Bocas del Toro, Panama, collected between 2023 and 2025. The objective was to establish a reproducible monitoring framework and describe reef conditions across these sites using standardized surveys. Trained citizen scientists collected data on benthic composition, coral condition, maximum relief, and fish assemblages. Fish surveys were developed with close reference to AGRRA methods, while benthic surveys used a point-intercept approach informed by standardized reef-monitoring principles and AGRRA coral-condition terminology. Across the monitored sites, surveys documented low hard coral cover, substantial algal cover, variable sponge and abiotic substrate cover, and significant site-level variation in benthic composition. Coral-condition observations recorded healthy, degraded, bleaching-related, disease-related, and interaction categories, while fish surveys documented variation in fish-group abundance. Bleaching/paling observations were higher in 2023 than in later survey years, providing temporal context for interpreting the dataset during the fourth global coral bleaching event. These data provide a site-specific reference for evaluating future changes in reef condition, coral–algal dynamics, structural complexity, and fish community composition around Isla Solarte. The dataset is publicly available through Zenodo and accompanied by metadata and R scripts. This work demonstrates how structured citizen science programs can contribute locally relevant reef-monitoring data while also highlighting the need for continued training, quality control, and cautious interpretation of observer-generated datasets.</p>