125 Surf Way, Apt 304, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 304, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 513 sqft · built 1993
Lot Size	0.9 acres (416 sqft)
Owner	Company Name on Record
Last Sale	$198,500 (Aug 1995)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-004-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-004-000`
Alternative APN	`011-443-004`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	513 sqft Living Area
1st Floor Area	513 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	416 sqft (0.9 acres)

Location & Zoning

Old Parcel Number	011-443-004
Street Address	125 SURF WAY, 304
City	MONTEREY
State	CA
Zip	93940-3455
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 9 FLOOR 1 UNIT 4
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	9
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2001
Census Tract	13300

Owner

Source: Monterey County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	125 SURF WAY, 304, MONTEREY, CA 93940-3455
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ADVANTAGEFIRST LENDING INC
Apr 29, 2021	Intrafamily Transfer, Transfer FIRST AMER TTL CO RES DIV
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 1995 · Amount on Record
Deed Sale	Aug 4, 1995 · Amount on Record
Deed Document Number	199539878
Deed Book / Page	3258 / 626
Last Transfer Date	Apr 22, 2021
Transfer Doc	0000031045
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Apr 29, 2021
Property Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455
Document Number	0000031043
Map Reference	VOL 18 PG 15
Instrument Date	Apr 22, 2021
Instrument	2021031043
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455

Mortgage

Document Number	0000031044
Date	Apr 29, 2021
Instrument	2021031044

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Apr 29, 2021
Property Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455
Document Number	0000031045
Map Reference	VOL 18 PG 15
Instrument Date	Apr 22, 2021
Instrument	2021031045
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMER TTL CO RES DIV

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455
Document Number	0000045257
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	125 SURF WAY #304 MONTEREY CA 939403455, 304, MONTEREY, CA 93940-3455

Mortgage

Document Number	0000045257
Date	Aug 23, 2017
Instrument	45257

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 304, 304, MONTEREY, CA 93940-3455
Document Number	0000011760
Instrument Date	Feb 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 10, 2017
Title Company	FIRST NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	125 SURF WAY #304 MONTEREY CA 939403455, 304, MONTEREY, CA 93940-3455

Mortgage

Document Number	0000011760
Date	Mar 2, 2017
Instrument	11760

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 93940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$266,932 (+2%) Land $130,000 Building $136,932
2025	$3,160.00 (+14.37%)	$261,699 (+4.04%) Land $127,451 Building $134,248
2023	$2,763.00 (+1.39%)	$251,538 Land $122,502 Building $129,036
2022	$2,725.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	22 (1998–2002)
Claims Outside the SFHA	12 of 22
Most Recent Claim	Dec 2002 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people · EPA ID CA2710004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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