Worcester County and Gardner City property record for 126 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,278 sqft · built 1998 |
| Lot Size | 4.28 acres (186,760 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,500 (Oct 2018) |
| Tax Bill | $7,196 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:C-37 B:0006F L:0021F |
| Primary APN | M:C-37 B:0006F L:0021F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,278 sqft Living Area |
| Gross Area | 4,528 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 186,760 sqft (4.28 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 126 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | ALFRED J CORMIER CONST INC |
| Legal Block | 9 |
| Legal Lot Number | 21F |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 707400 |
126 Otter River Rd is owned and occupied by two individuals who bought it in October 2018.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Oct 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Oct 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Dec 2, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Oct 10, 2018 | Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2018 · Amount on File |
| Deed Sale | Oct 10, 2018 · Amount on File |
| Prior Sale | Jul 29, 2011 · Amount on File |
| Deed Book / Page | 59528 / 249 |
| Transfer Doc | 059528-249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065524-117 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 65524/117 |
| Instrument | 91980 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0066405-81 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 66405/81 |
| Instrument | 151875 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66405-81 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 66405/81 |
| Instrument | 151875 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61518-53 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 61518/53 |
| Instrument | 129962 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 10, 2018 |
| Property Address | 126 OTTER RIVER RD, GARDNER, MA 01440-1533 |
| Document Number | 59528-249 |
| Book / Page | 059528 / 000249 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 107668 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 126 OTTER RIVER RD GARDNER MA 014401533, GARDNER, MA 01440-1533 |
| Document Number | 59528-253 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 059528/000253 |
| Instrument | 107669 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 9, 2048 |
The 2026 property tax bill for 126 Otter River Rd was $7,196, up 10,803% 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 | $7,196.00 (+10,803.03%) | $522,600 (+12.12%) Land $110,600 Building $412,000 | $550,663 (+18.01%) |
| 2025 | $66.00 (-99.05%) | $466,100 (+0.58%) Land $101,600 Building $364,500 | $466,640 |
| 2024 | $6,946.00 (+5.58%) | $463,400 (+13.61%) Land $93,800 Building $369,600 | |
| 2023 | $6,579.00 | $407,900 Land $89,600 Building $318,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 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 126 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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