Worcester County and Gardner City property record for 106 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,388 sqft · built 2020 |
| Lot Size | 3.76 acres (164,108 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $351,550 (Sep 2020) |
| Tax Bill | $6,862 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:C-37 B:0006D L:0021D |
| Primary APN | M:C-37 B:0006D L:0021D |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,388 sqft Living Area |
| Gross Area | 3,276 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 164,108 sqft (3.76 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 106 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 19 |
| Legal Lot Number | 21D |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 707400 |
106 Otter River Rd is owned and occupied by two individuals who bought it in September 2020.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Sep 28, 2020 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Sep 19, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ALFRED J CORMIER CONTSTR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2020 · Amount on File |
| Deed Sale | Sep 28, 2020 · Amount on File |
| Prior Sale | Sep 19, 2019 · Amount on File |
| Deed Document Number | 2020113243 |
| Deed Book / Page | 63362 / 153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 106 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66401-72 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 66401/72 |
| Instrument | 151583 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 28, 2020 |
| Property Address | 106 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Document Number | 63362-153 |
| Book / Page | 63362 / 153 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 113243 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 106 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Document Number | 113244 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 113244 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 19, 2019 |
| Property Address | 106 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Document Number | 61080-395 |
| Book / Page | 61080 / 395 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 97010 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 234 CONANT ST, GARDNER, MA 01440-3168 |
| Document Number | 97011 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 97011 |
| Name | ALFRED J CORMIER CONTSTR |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 106 Otter River Rd was $6,862, up 1.6% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,862.00 (+1.63%) | $498,300 (+5.98%) Land $108,000 Building $390,300 | $462,447 (+11.57%) |
| 2025 | $6,752.00 (+3.97%) | $470,200 (+8.54%) Land $99,000 Building $371,200 | $414,485 |
| 2024 | $6,494.00 (+2.27%) | $433,200 (+10.03%) Land $91,200 Building $342,000 | |
| 2023 | $6,350.00 | $393,700 Land $87,600 Building $306,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Otter River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 106 Otter River Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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