125 Surf Way, Apt 402, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 402, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	830 sqft · built 1993
Owner	Individual Name on Record
Last Sale	$800,000 (Jan 2021)
Tax Bill	$9,927 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-010-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-010-000`

Interior

Building Area	830 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Construction Type	Wood

Location & Zoning

Street Address	125 SURF WAY APT 402, 402
City	MONTEREY
State	CA
Zip	93940-3460
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 9 FLOOR 2 UNIT 2
Legal Subdivision	OCEAN HARBOR HOUSE CONDO
Legal Block	9
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 October 20, 2025

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 APT 402, 402, MONTEREY, CA 93940-3460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 5, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE
Aug 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 3, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on Record
Deed Sale	Jan 5, 2021 · Amount on Record
Prior Sale	Aug 26, 2020
Deed Document Number	2021000646
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 402, 402, MONTEREY, CA 93940-3460
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SURF WAY 402, 402, MONTEREY, CA 93940-3460

Mortgage

Document Number	0000021561
Date	May 6, 2022
Instrument	2022021561

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 5, 2021
Property Address	125 SURF WAY APT 402, 402, MONTEREY, CA 93940-3460
Document Number	0000000646
Instrument Date	Dec 31, 2020
Instrument	646
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 ESPERANZA CT SANTA CRUZ CA 950622960, SANTA CRUZ, CA 95062-2960

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 26, 2020
Property Address	125 SURF WAY APT 402, 402, MONTEREY, CA 93940-3460
Document Number	0000043476
Instrument Date	Aug 18, 2020
Instrument	43476
Transaction Type	Transfer
Record Updated	Sep 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	125 SURF WAY #402 MONTEREY CA 939403460, 402, MONTEREY, CA 93940-3460

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 3, 2019
Property Address	125 SURF WAY APT 402, 402, MONTEREY, CA 93940-3460
Document Number	0000038235
Instrument Date	Jun 13, 2019
Instrument	38235
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3505 BEECHWOOD PL RIVERSIDE CA 925061210, RIVERSIDE, CA 92506-1210

September 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	Sep 3, 2019
Property Address	125 SURF WAY APT 402, 402, MONTEREY, CA 93940-3460
Document Number	0000038233
Instrument Date	Dec 17, 2018
Instrument	38233
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	124 SURF WAY MONTEREY CA 939403471, MONTEREY, CA 93940-3471

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

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
2025	$9,927.00 (+10.76%) Homeowner's exemption	$865,945 (+4.04%) Land $541,216 Building $324,729
2023	$8,963.00 (+1.43%) Homeowner's exemption	$832,320 Land $520,200 Building $312,120
2022	$8,837.00

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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