125 Surf Way, Apt 434, Monterey, CA 93940 Property Records

Monterey County property record for 125 Surf Way, Apt 434, Monterey, CA 93940

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,214 sqft · built 1993
Lot Size	0.16 acres (699 sqft)
Owner	2 Company Names on Record
Last Sale	$1,098,000 (Oct 2025)
Tax Bill	$8,469 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`011-443-071-000`

Property Details

APN / Parcel Number

Primary APN	`011-443-071-000`
Alternative APN	`011-443-071`

Interior

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

Location & Zoning

Old Parcel Number	011-443-071
Street Address	125 SURF WAY, 434
City	MONTEREY
State	CA
Zip	93940-3425
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OCEAN HARBOR HOUSE CONDOMINIUMS BLOCK 13 FLOOR 2 UNIT 4
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 September 1, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1316 WINDERMERE AVE, MENLO PARK, CA 94025-1318
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Oct 22, 2025	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	May 10, 1995 · Amount on Record
Deed Document Number	202539292
Prior Transfer Date	May 21, 2001
Prior Transfer Doc	0000044136
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jan 9, 2026
Property Address	125 SURF WAY APT 434, 434, MONTEREY, CA 93940-3425
Document Number	0000000793
Map Reference	MB 2944 PG 1249
Instrument Date	Jan 8, 2026
Instrument	2026000793
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

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	Revocable Trust
Address	1316 WINDERMERE AVE, MENLO PARK, CA 94025-1318

Mortgage

Document Number	0000000794
Date	Jan 9, 2026
Instrument	2026000794

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 22, 2025
Property Address	125 SURF WAY APT 434, 434, MONTEREY, CA 93940-3425
Document Number	0000039292
Map Reference	VOL 18 PG 15
Instrument Date	Aug 27, 2025
Instrument	2025039292
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Revocable Trust
Address	1316 WINDERMERE AVE, MENLO PARK, CA 94025-1318

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		$1,097,675 (+50.31%) Land $600,000 Building $497,675
2025	$8,469.00 (+11.01%)	$730,258 (+4.04%) Land $512,465 Building $217,793
2023	$7,629.00 (+1.4%)	$701,903 Land $492,566 Building $209,337
2022	$7,524.00

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