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125 Surf Way, Apt 309, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 309, Monterey, CA 93940

Property Summary

Property TypeCondominium
Details1 bd · 1 ba · 513 sqft · built 1993
Lot Size0.1 acres (455 sqft)
Owner2 Individual Names on Record
Last Sale$770,000 (Jun 2023)
Tax Bill$9,271 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN011-443-017-000

Property Details

APN / Parcel Number

Primary APN011-443-017-000
Alternative APN
  • 011-443-017

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area513 sqft Living Area
1st Floor Area513 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleCondo/Apartment
Construction TypeWood
Lot Area455 sqft (0.1 acres)

Location & Zoning

Old Parcel Number011-443-017
Street Address125 SURF WAY, 309
CityMONTEREY
StateCA
Zip93940-3455
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionOCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 10 FLOOR 1 UNIT 1
Legal SubdivisionOCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block10
Legal Lot Number10
JurisdictionMONTEREY CA
Township / Civil DivisionSEASIDE-MONTEREY
Census Block Group2
Census Block2001
Census Tract13300

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 Record2 Individual Names on Record
Mailing Address1515 HORIZON LN, PATTERSON, CA 95363-8300
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2023Grant Deed, Transfer · Conventional Mortgage
XPERT HOME LENDING INC
Jun 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
LENDUS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 22, 2023 · Amount on Record
Deed SaleJun 22, 2023 · Amount on Record
Prior SaleApr 23, 1999 · Amount on Record
Deed Document Number202319046
Prior Transfer DateDec 5, 1997
Prior Transfer Doc0000000312
Record UpdatedOct 29, 2026

June 2023: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONTEREY CA
Recording DateJun 22, 2023
Property Address125 SURF WAY APT 309, 309, MONTEREY, CA 93940-3455
Document Number0000019046
Map ReferenceVOL 18 PG 15
Instrument DateJun 14, 2023
Instrument2023019046
Transaction TypeTransfer
Record UpdatedJul 6, 2023
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address1515 HORIZON LN, PATTERSON, CA 95363-8300

Mortgage

Document Number0000019047
DateJun 22, 2023
Instrument2023019047
Lender
NameXPERT HOME LENDING INC
TypeMortgage Company
AddressSUWANEE, GA 30024
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2053

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address125 SURF WAY APT 309, 309, MONTEREY, CA 93940-3455
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000028825
DateJun 17, 2020
Instrument2020028825
Lender
NameLENDUS LLC
TypeMortgage Company
AddressALAMO, CA 94507
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
MunicipalityMonterey City
Unified School DistrictMonterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$817,129 (+2%) Land $371,422 Building $445,707
2025$9,271.00 (+13.77%)$801,108 (+6.81%) Land $364,140 Building $436,968
2023$8,149.00 (+192.18%)$750,000 (+188.96%) Land $400,000 Building $350,000
2022$2,789.00 Homeowner's exemption$259,548 Land $110,781 Building $148,767

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims22 (1998–2002)
Claims Outside the SFHA12 of 22
Most Recent ClaimDec 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCAL AM WATER COMPANY - MONTEREY
private · serves 128,928 people · EPA ID CA2710004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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