125 Surf Way, Apt 344, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 344, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 513 sqft · built 1993
Lot Size	0.1 acres (455 sqft)
Owner	Company Name on Record
Last Sale	$902,500 (May 2024)
Tax Bill	$10,545 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-075-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-075-000`

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	455 sqft (0.1 acres)

Location & Zoning

Street Address	125 SURF WAY, 344
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 1
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	14
Legal Lot Number	13
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	Company Name on Record
Mailing Address	125 SURF WAY, 344, MONTEREY, CA 93940-3460
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 8, 2022	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Aug 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 1, 2017	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Mar 8, 2022 · Amount on Record
Deed Document Number	202415207
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	0000047145
Record Updated	Oct 29, 2026

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 1, 2024
Property Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460
Document Number	0000015207
Map Reference	VOL 18 PG 15
Instrument Date	Apr 29, 2024
Instrument	2024015207
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	OLD REPUBLIC TITLE, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000015208
Date	May 1, 2024
Instrument	2024015208

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 8, 2022
Property Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460
Document Number	0000011323
Map Reference	VOL 18 PG 15
Instrument Date	Mar 2, 2022
Instrument	2022011323
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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
Relationship	Living Trust
Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000011324
Date	Mar 8, 2022
Instrument	2022011324

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460
Document Number	0000009783
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	125 SURF WAY #344 MONTEREY CA 939403460, 344, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000009783
Date	Feb 27, 2020
Instrument	9783

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 31, 2017
Property Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460
Document Number	0000047145
Instrument Date	Aug 25, 2017
Instrument	47145
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	125 SURF WAY #344 MONTEREY CA 939403460, 344, MONTEREY, CA 93940-3460

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 1, 2017
Property Address	125 SURF WAY APT 344, 344, MONTEREY, CA 93940-3460
Document Number	0000011415
Map Reference	MAP18 PG15
Instrument Date	Feb 27, 2017
Instrument	2017011415
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	Calculated from Transfer Tax
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 APT 344, 344, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000011416
Date	Mar 1, 2017
Instrument	2017011416

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 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		$938,961 (+2%) Land $520,200 Building $418,761
2025	$10,545.00 (+26.88%) Homeowner's exemption	$920,550 (+20.33%) Land $510,000 Building $410,550
2023	$8,311.00 (+32.59%)	$765,000 Land $357,000 Building $408,000
2022	$6,268.00

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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