125 Surf Way, Apt 418, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 418, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1,214 sqft · built 1993
Lot Size	0.14 acres (627 sqft)
Owner	Company Name on Record
Tax Bill	$8,902 (2025)
Deeds & Mortgages	Aug 2020 Transfer Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-443-040-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-040-000`
Alternative APN	`011-443-040`

Interior

Stories	1 Story
Building Area	1,214 sqft Living Area
1st Floor Area	1,214 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	627 sqft (0.14 acres)

Location & Zoning

Old Parcel Number	011-443-040
Street Address	125 SURF WAY, 418
City	MONTEREY
State	CA
Zip	93940-3417
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 11 FLOOR 2 UNIT 3
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	11
Legal Lot Number	11
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	PO BOX 1007, LOS ALTOS, CA 94023-1007
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 7, 2020	Grant Deed, Transfer · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 1, 2020
Transfer Doc	0000068344
Record Updated	Sep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 7, 2020
Property Address	125 SURF WAY APT 418, 418, MONTEREY, CA 93940-3417
Document Number	0000039574
Instrument Date	Aug 1, 2020
Instrument	39574
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	25333 LA LOMA DR LOS ALTOS HILLS CA 940224578, LOS ALTOS HILLS, CA 94022-4578

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 7, 2020
Property Address	125 SURF WAY APT 418, 418, MONTEREY, CA 93940-3417
Document Number	0000039572
Instrument Date	Jul 24, 2020
Instrument	39572
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	CHICAGO TITLE SALINAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$781.00
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	Joint Tenants with Right of Survivorship
Address	25333 LA LOMA DR LOS ALTOS HILLS CA 940224578, LOS ALTOS HILLS, CA 94022-4578

Mortgage

Document Number	39573
Date	Aug 7, 2020
Instrument	39573

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

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		$783,895 (+2%) Land $441,631 Building $342,264
2025	$8,902.00 (+10.9%)	$768,525 (+4.04%) Land $432,972 Building $335,553
2023	$8,027.00 (+1.4%)	$738,684 Land $416,160 Building $322,524
2022	$7,916.00

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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures