125 Surf Way, Apt 431, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 431, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,602 sqft · built 1993
Lot Size	0.16 acres (718 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jun 2021)
Tax Bill	$14,911 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-443-074-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-074-000`
Alternative APN	`011-443-074`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
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	718 sqft (0.16 acres)

Location & Zoning

Old Parcel Number	011-443-074
Street Address	125 SURF WAY, 431
City	MONTEREY
State	CA
Zip	93940-3421
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 13 FLOOR 2 UNIT 7
Legal Subdivision	OCEAN HARBOR HOUSE CONDOMINIUMS
Legal Block	13
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 12, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1172 JANICE DR, SANTA CLARA, CA 95050-4419
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Grant Deed, Transfer · Conventional Mortgage PROVIDENT CU
Feb 4, 2021	Intrafamily Transfer, Transfer
Sep 11, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Sep 11, 2020 · Amount on Record
Deed Document Number	202143547
Prior Transfer Date	Nov 25, 1996
Prior Transfer Doc	0034700828
Record Updated	Jun 8, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 23, 2021
Property Address	125 SURF WAY APT 431, 431, MONTEREY, CA 93940-3421
Document Number	0000043547
Map Reference	VOL 18 PG 15
Instrument Date	Feb 2, 2021
Instrument	2021043547
Transaction Type	Transfer
Record Updated	Jul 5, 2021
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1172 JANICE DR, SANTA CLARA, CA 95050-4419

Mortgage

Document Number	0000043548
Date	Jun 23, 2021
Instrument	2021043548

Lender

Name	PROVIDENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Feb 4, 2021
Property Address	125 SURF WAY APT 431, 431, MONTEREY, CA 93940-3421
Document Number	0000008240
Map Reference	VOL 18 PG 15
Instrument Date	Feb 2, 2021
Instrument	2021008240
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	516 TAHOS RD, ORINDA, CA 94563-2914

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 11, 2020
Property Address	125 SURF WAY APT 431, 431, MONTEREY, CA 93940-3421
Document Number	0000047461
Map Reference	VOL 18 PG 15
Instrument Date	Sep 2, 2020
Instrument	2020047461
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	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	Community Property with Right of Survivorship
Address	516 TAHOS RD, ORINDA, CA 94563-2914

Mortgage

Document Number	0000047462
Date	Sep 11, 2020
Instrument	2020047462

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 23, 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	$14,911.00 (+8.07%)	$1,298,917 (+4.04%) Land $541,216 Building $757,701
2024	$13,798.00 (+1.94%)
2023	$13,535.00 (+1.4%)	$1,248,480 Land $520,200 Building $728,280
2022	$13,348.00

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
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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