Worcester County and Gardner City property record for 121 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,172 sqft · built 1996 |
| Lot Size | 1.35 acres (58,806 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,900 (Apr 2016) |
| Tax Bill | $6,136 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:C-37 B:0025C L:0018C |
| Primary APN | M:C-37 B:0025C L:0018C |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,172 sqft Living Area |
| Gross Area | 3,952 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 58,806 sqft (1.35 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 121 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 | 18C |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
121 Otter River Rd is owned and occupied by two individuals who bought it in April 2016.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 121 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2016 · Amount on File |
| Deed Sale | Apr 29, 2016 · Amount on File |
| Prior Sale | Sep 12, 2011 · Amount on File |
| Deed Book / Page | 55263 / 205 |
| Transfer Doc | 055263-205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 121 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066837-158 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 66837/158 |
| Instrument | 181316 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 121 Otter River Rd was $6,136, up 10,664.9% 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 | $6,136.00 (+10,664.91%) | $445,600 (+11.68%) Land $95,700 Building $349,900 | $510,662 (+24.98%) |
| 2025 | $57.00 (-99.04%) | $399,000 (+0.83%) Land $86,800 Building $312,200 | $408,595 |
| 2024 | $5,932.00 (+3.69%) | $395,700 (+11.56%) Land $79,000 Building $316,700 | |
| 2023 | $5,721.00 | $354,700 Land $77,800 Building $276,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 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 121 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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