Worcester County and Gardner City property record for 111 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1985 |
| Lot Size | 2.27 acres (99,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,000 (Aug 2003) |
| Tax Bill | $5,567 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:C-37 B:0026A L:0019A |
| Primary APN | M:C-37 B:0026A L:0019A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Gross Area | 4,144 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 99,204 sqft (2.27 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 111 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 5 |
| Legal Lot Number | 19A |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
111 Otter River Rd is owned and occupied by an individual who bought it in August 2003.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 111 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| 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 |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU |
| Apr 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2003 · Amount on File |
| Deed Sale | Aug 28, 2003 · Amount on File |
| Deed Document Number | 2003233395 |
| Deed Book / Page | 31433 / 229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 111 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 068468-178 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 68468/178 |
| Instrument | 120969 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Dec 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 111 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 56967-169 |
| Book / Page | 056967 / 000169 |
| Instrument Date | Apr 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2017 |
| Name | Verified Name |
|---|
| Document Number | 56967-169 |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 056967/000169 |
| Instrument | 36464 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 11, 2037 |
The 2026 property tax bill for 111 Otter River Rd was $5,567, up 10,021.8% 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 | $5,567.00 (+10,021.82%) | $404,300 (+4.93%) Land $100,500 Building $303,800 | $399,900 (+14.33%) |
| 2025 | $55.00 (-99.02%) | $385,300 (+3.44%) Land $91,500 Building $293,800 | $349,790 |
| 2024 | $5,584.00 (+7.74%) | $372,500 (+15.94%) Land $83,700 Building $288,800 | |
| 2023 | $5,183.00 | $321,300 Land $81,600 Building $239,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 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 111 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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