125 Surf Way, Apt 426, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 426, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	1,602 sqft · built 1993
Lot Size	0.03 acres (1,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,640,000 (Mar 2022)
Tax Bill	$19,912 (2025)
Deeds & Mortgages	Mar 2022 Sale May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-443-057-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-057-000`

Interior

Stories	1 Story
Building Area	1,602 sqft Living Area
1st Floor Area	1,602 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	1,301 sqft (0.03 acres)

Location & Zoning

Street Address	125 SURF WAY, 426
City	MONTEREY
State	CA
Zip	93940-3421
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 12 FLOOR 2 UNIT 5
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	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 August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2136 W HEDDING ST, SAN JOSE, CA 95128-1430
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Grant Deed, Transfer CHICAGO TITLE COMPANY
May 16, 2018	Grant Deed, Transfer · VA Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	May 16, 2018 · Amount on Record
Deed Document Number	202210764
Prior Transfer Date	Nov 13, 2008
Prior Transfer Doc	0000075703
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 4, 2022
Property Address	125 SURF WAY APT 426, 426, MONTEREY, CA 93940-3421
Document Number	0000010764
Map Reference	VOL 18 PG 15
Instrument Date	Feb 28, 2022
Instrument	2022010764
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property
Address	2136 W HEDDING ST, SAN JOSE, CA 95128-1430

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 16, 2018
Property Address	125 SURF WAY APT 426, 426, MONTEREY, CA 93940-3421
Document Number	0000021544
Map Reference	SLIDE2944 PG1249
Instrument Date	Apr 24, 2018
Instrument	2018021544
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	125 SURF WAY APT 426, 426, MONTEREY, CA 93940-3421

Mortgage

Document Number	0000021545
Date	May 16, 2018
Instrument	2018021545

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2023
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	11%
Index	1-Year LIBOR
Max Rate	11%

Mortgage

Document Number	0000021546
Date	May 16, 2018
Instrument	2018021546

Lender

Name	MONTAGE HEALTH
Address	MONTEREY, CA 93942

Agreement

Amount	Amount Recorded

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		$1,775,188 (+2%) Land $692,756 Building $1,082,432
2025	$19,912.00 (+9.89%)	$1,740,381 (+4.04%) Land $679,173 Building $1,061,208
2023	$18,120.00 (+63.18%)	$1,672,800 Land $652,800 Building $1,020,000
2022	$11,104.00

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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