125 Surf Way, Apt 343, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 343, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 513 sqft · built 1968
Lot Size	0.9 acres (416 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (Jun 2026)
Tax Bill	$5,361 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-076-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-076-000`
Alternative APN	`011-443-076`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	513 sqft Living Area
1st Floor Area	513 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Condo/Apartment
Lot Area	416 sqft (0.9 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Old Parcel Number	011-443-076
Street Address	125 SURF WAY, 343
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 2
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	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	PO BOX 3283, MONTEREY, CA 93942-3283
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 28, 2019	Grant Deed, Transfer · Conventional Mortgage BNC NATIONAL BANK
Jun 28, 2017	Grant Deed, Transfer · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	202621713
Prior Transfer Date	Dec 18, 2001
Prior Transfer Doc	0000108903
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 26, 2026
Property Address	125 SURF WAY, 343, MONTEREY, CA 93940-3460
Document Number	0000021713
Instrument Date	Jun 24, 2026
Instrument	202621713
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,660.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021714,
Date	Jun 26, 2026
Instrument	202621714

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 28, 2019
Property Address	125 SURF WAY APT 343, 343, MONTEREY, CA 93940-3460
Document Number	0000026918
Map Reference	VOL 18 PG 15
Instrument Date	Jun 21, 2019
Instrument	2019026918
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY SALINA

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY APT 343, 343, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000026919
Date	Jun 28, 2019
Instrument	2019026919

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

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

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 28, 2017
Property Address	125 SURF WAY APT 343, 343, MONTEREY, CA 93940-3460
Document Number	0000034250
Instrument Date	Jun 15, 2017
Instrument	34250
Transaction Type	Transfer
Record Updated	Jun 15, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
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	Community Property
Address	125 SURF WAY #343 MONTEREY CA 939403460, 343, MONTEREY, CA 93940-3460

Mortgage

Document Number	34251
Date	Jun 28, 2017
Instrument	34251

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

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		$472,193 (+2%) Land $324,278 Building $147,915
2025	$5,361.00 (+12.23%) Homeowner's exemption	$462,935 (+4.04%) Land $317,920 Building $145,015
2023	$4,777.00 (+1.42%) Homeowner's exemption	$444,961 Land $305,576 Building $139,385
2022	$4,710.00

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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