125 Surf Way, Apt 312, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 312, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 513 sqft · built 1993
Lot Size	0.9 acres (412 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Nov 2020)
Tax Bill	$6,204 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-020-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-020-000`
Alternative APN	`011-443-020`

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	412 sqft (0.9 acres)

Location & Zoning

Old Parcel Number	011-443-020
Street Address	125 SURF WAY, 312
City	MONTEREY
State	CA
Zip	93940-3455
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 10 FLOOR 1 UNIT 4
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	10
Legal Lot Number	10
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2001
Census Tract	13300

Owner

125 Surf Way, Apt 312 is owned by two individuals who bought it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2102 CHAMOMILE CT, SAN RAMON, CA 94582-5233
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 25, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 8, 2017	Grant Deed, Transfer · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Prior Sale	Jun 8, 2017 · Amount on File
Deed Document Number	202069841
Prior Transfer Date	Nov 14, 2020
Prior Transfer Doc	0000069840
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 312, 312, MONTEREY, CA 93940-3455
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	ORANGE COAST TITLE OF NORTHE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029395
Date	Jul 16, 2019
Instrument	2019029395

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 25, 2020
Property Address	125 SURF WAY APT 312, 312, MONTEREY, CA 93940-3455
Document Number	0000069841
Map Reference	VOL 18 PG 15
Instrument Date	Nov 14, 2020
Instrument	2020069841
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	125 SURF WAY APT 312, 312, MONTEREY, CA 93940-3455

Mortgage

Document Number	0000069842
Date	Nov 25, 2020
Instrument	2020069842

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 8, 2017
Property Address	125 SURF WAY APT 312, 312, MONTEREY, CA 93940-3455
Document Number	0000030316
Instrument Date	Jun 1, 2017
Instrument	30316
Transaction Type	Transfer
Record Updated	Jul 7, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY #312 MONTEREY CA 939403455, 312, MONTEREY, CA 93940-3455

Mortgage

Document Number	30317
Date	Jun 8, 2017
Instrument	30317

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 125 Surf Way, Apt 312 was $6,204, up 8.2% from the year before.

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		$540,997 (+2%) Land $331,223 Building $209,774
2025	$6,204.00 (+8.18%)	$530,390 Land $324,729 Building $205,661
2024	$5,735.00 (+3.26%)
2023	$5,554.00 (+1.41%)	$509,796 Land $312,120 Building $197,676
2022	$5,477.00

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

Flood

FEMA maps place 125 Surf Way, Apt 312 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 125 Surf Way, Apt 312 is low, with less than a 0.01% annual chance of 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

Nearby Properties on Surf Way

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