125 Surf Way, Apt 342, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 342, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 511 sqft
Lot Size	0.029 acres (1,249 sqft)
Owner	Individual Name on Record
Last Sale	$578,000 (Jul 2021)
Tax Bill	$7,065 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-077-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-077-000`
Alternative APN	`011-443-077`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	511 sqft Living Area
1st Floor Area	511 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Condo/Apartment
Lot Area	1,249 sqft (0.029 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Old Parcel Number	011-443-077
Street Address	125 SURF WAY, 342
City	MONTEREY
State	CA
Zip	93940-3460
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 14 FLOOR 1 UNIT 3
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	14
Legal Lot Number	14
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, 342, MONTEREY, CA 93940-3460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 27, 2021	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Dec 5, 2019	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 29, 2017	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	202150785
Prior Transfer Date	Jul 7, 2014
Prior Transfer Doc	0000032180
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 342, 342, MONTEREY, CA 93940-3460
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 E GRANADA AVE, FRESNO, CA 93720-4612

Mortgage

Document Number	0000004683
Date	Jan 22, 2021
Instrument	2021004683

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 27, 2021
Property Address	125 SURF WAY APT 342, 342, MONTEREY, CA 93940-3460
Document Number	0000050785
Map Reference	VOL 18 PG 15
Instrument Date	Jul 9, 2021
Instrument	2021050785
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY APT 342, 342, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000050786
Date	Jul 27, 2021
Instrument	2021050786

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 5, 2019
Property Address	125 SURF WAY APT 342, 342, MONTEREY, CA 93940-3460
Document Number	0000057829
Instrument Date	Nov 22, 2019
Instrument	57829
Transaction Type	Transfer
Record Updated	Dec 19, 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	$418.00
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	Personal Trust
Address	2544 E GRANADA AVE FRESNO CA 937204612, FRESNO, CA 93720-4612

Mortgage

Document Number	57830
Date	Dec 5, 2019
Instrument	57830

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	Dec 4, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 29, 2017
Property Address	125 SURF WAY APT 342, 342, MONTEREY, CA 93940-3460
Document Number	0000072000
Map Reference	MB2944 PG1249
Instrument Date	Dec 22, 2017
Instrument	2017072000
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE CO

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
Relationship	Community Property with Right of Survivorship
Address	2685 HELMSLEY DR, SAN JOSE, CA 95132-2913

Mortgage

Document Number	0000072001
Date	Dec 29, 2017
Instrument	2017072001

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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		$625,644 (+2%) Land $324,729 Building $300,915
2025	$7,065.00 (+11.44%) Homeowner's exemption	$613,377 (+4.04%) Land $318,362 Building $295,015
2023	$6,340.00 (+1.42%) Homeowner's exemption	$589,560 Land $306,000 Building $283,560
2022	$6,251.00

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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