125 Surf Way, Apt 322, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 322, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 511 sqft · built 1993
Lot Size	0.9 acres (392 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Jul 2021)
Tax Bill	$9,513 (2025)
Deeds & Mortgages	Jul 2021 Sale Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-037-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-037-000`
Alternative APN	`011-443-037`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	511 sqft Living Area
1st Floor Area	511 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	392 sqft (0.9 acres)

Location & Zoning

Old Parcel Number	011-443-037
Street Address	125 SURF WAY, 322
City	MONTEREY
State	CA
Zip	93940-3457
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 11 FLOOR 1 UNIT 7
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	11
Legal Lot Number	11
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	Individual Name on Record
Mailing Address	16550 TWIN LAKES DR, ROYAL OAKS, CA 95076-9068
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jul 28, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jul 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 5, 2019	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Apr 5, 2019 · Amount on Record
Deed Document Number	202151021
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	0000051020
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 28, 2021
Property Address	125 SURF WAY APT 322, 322, MONTEREY, CA 93940-3457
Document Number	0000051021
Map Reference	MB 2944 PG 1249
Instrument Date	Jul 26, 2021
Instrument	2021051021
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	16550 TWIN LAKES DR, ROYAL OAKS, CA 95076-9068

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jul 28, 2021
Property Address	125 SURF WAY APT 322, 322, MONTEREY, CA 93940-3457
Document Number	0000051020
Map Reference	VOL 18 PG 15
Instrument Date	Jul 26, 2021
Instrument	2021051020
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1702 BEACON HILL DR, SALINAS, CA 93906-6093

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jul 28, 2021
Property Address	125 SURF WAY APT 322, 322, MONTEREY, CA 93940-3457
Document Number	0000051022
Map Reference	VOL 18 PG 15
Instrument Date	Jul 21, 2021
Instrument	2021051022
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

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	16550 TWIN LAKES DR, ROYAL OAKS, CA 95076-9068

Mortgage

Document Number	0000051023
Date	Jul 28, 2021
Instrument	2021051023

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 5, 2019
Property Address	125 SURF WAY APT 322, 322, MONTEREY, CA 93940-3457
Document Number	0000013121
Map Reference	VOL 18 PG 15
Instrument Date	Apr 3, 2019
Instrument	2019013121
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY APT 322, 322, MONTEREY, CA 93940-3457

Mortgage

Document Number	0000013122
Date	Apr 5, 2019
Instrument	2019013122

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$838,883 (+2%) Land $514,154 Building $324,729
2025	$9,513.00 (+8.11%)	$822,435 (+4.04%) Land $504,073 Building $318,362
2024	$8,799.00 (+2.47%)
2023	$8,587.00 (+1.41%)	$790,500 Land $484,500 Building $306,000
2022	$8,468.00

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

Nearby Properties on Surf Way

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