125 Surf Way, Apt 424, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 424, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1,602 sqft · built 1993
Lot Size	0.014 acres (637 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (May 2019)
Tax Bill	$10,306 (2025)
Deeds & Mortgages	Jan 2024 Transfer Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-059-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-059-000`

Interior

Stories	1 Story
Building Area	1,602 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Construction Type	Wood
Lot Area	637 sqft (0.014 acres)

Location & Zoning

Street Address	125 SURF WAY APT 424, 424
City	MONTEREY
State	CA
Zip	93940-3418
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 12 FLOOR 2 UNIT 7
Legal Subdivision	OCEAN HARBOR HOUSE CONDO
Legal Block	12
Legal Lot Number	12
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	1990 ORO DR, FREMONT, CA 94539-3689
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Intrafamily Transfer, Transfer
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 20, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Document Number	0000020084
Last Transfer Date	Jan 18, 2024
Transfer Doc	0000001660
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jan 18, 2024
Property Address	125 SURF WAY APT 424, 424, MONTEREY, CA 93940-3418
Document Number	0000001660
Instrument Date	Jan 5, 2024
Instrument	2024001660
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1900 ORO DR, FREMONT, CA 94539-3689

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SURF WAY APT 424, 424, MONTEREY, CA 93940-3418
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	PLACER TITLE COMPANY ROSEV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 ORO DR, FREMONT, CA 94539-3689

Mortgage

Document Number	0000068303
Date	Nov 20, 2020
Instrument	2020068303

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 20, 2019
Property Address	125 SURF WAY APT 424, 424, MONTEREY, CA 93940-3418
Document Number	0000020084
Map Reference	SLIDE 2944 PG 1249
Instrument Date	May 10, 2019
Instrument	2019020084
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE SALINAS

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	1900 ORO DR, FREMONT, CA 94539-3689

Mortgage

Document Number	0000020085
Date	May 20, 2019
Instrument	2019020085

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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	$10,306.00 (+10.66%)	$892,411 (+4.04%) Land $490,826 Building $401,585
2023	$9,313.00 (+1.39%)	$857,759 Land $471,767 Building $385,992
2022	$9,185.00

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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