125 Surf Way, Apt 325, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 325, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 817 sqft · built 1993
Lot Size	0.16 acres (697 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jan 2019)
Tax Bill	$7,067 (2025)
Deeds & Mortgages	Mar 2022 Transfer Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-050-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-050-000`
Alternative APN	`011-443-050`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	817 sqft Living Area
1st Floor Area	817 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	697 sqft (0.16 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Old Parcel Number	011-443-050
Street Address	125 SURF WAY, 325
City	MONTEREY
State	CA
Zip	93940-3457
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 12 FLOOR 1 UNIT 6
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	12
Legal Lot Number	12
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	125 SURF WAY, 325, MONTEREY, CA 93940-3457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Transfer on Death Deed, Transfer
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
Jan 18, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jan 18, 2019	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Prior Sale	Dec 23, 2002 · Amount on Record
Deed Document Number	20192191
Last Transfer Date	Mar 24, 2022
Transfer Doc	0000014474
Record Updated	Sep 20, 2026

March 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 24, 2022
Property Address	125 SURF WAY APT 325, 325, MONTEREY, CA 93940-3457
Document Number	0000014474
Map Reference	VOL 18 PG 15
Instrument Date	Mar 24, 2022
Instrument	2022014474
Transaction Type	Transfer
Record Updated	Jul 21, 2022

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	125 SURF WAY APT 325, 325, MONTEREY, CA 93940-3457

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 325, 325, MONTEREY, CA 93940-3457
Document Number	0000040630
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 20354 BOULDER CO 803083354, BOULDER, CO 80308-3354

Mortgage

Document Number	0000040630
Date	Sep 16, 2019
Instrument	40630

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 18, 2019
Property Address	125 SURF WAY APT 325, 325, MONTEREY, CA 93940-3457
Document Number	0000002192
Instrument Date	Jan 9, 2019
Instrument	2192
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2750 COUNTRY ROAD 54 GRANBY CO 80446, GRANBY, CO 80446

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 18, 2019
Property Address	125 SURF WAY APT 325, 325, MONTEREY, CA 93940-3457
Document Number	0000002191
Instrument Date	Jan 9, 2019
Instrument	2191
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2750 COUNTRY ROAD 54 GRANBY CO 80446, GRANBY, CO 80446

Mortgage

Document Number	2193
Date	Jan 18, 2019
Instrument	2193

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 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		$625,800 (+2%) Land $398,237 Building $227,563
2025	$7,067.00 (+11.45%) Homeowner's exemption	$613,530 (+4.04%) Land $390,429 Building $223,101
2023	$6,341.00 (+1.42%) Homeowner's exemption	$589,708 Land $375,269 Building $214,439
2022	$6,252.00

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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