Worcester County and Gardner City property record for 171 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,114 sqft · built 1981 |
| Lot Size | 0.711 acres (30,962 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (May 2025) |
| Tax Bill | $4,716 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:4 L:16 |
| Primary APN | GARD M:C37 B:4 L:16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,114 sqft Living Area |
| Gross Area | 2,420 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,962 sqft (0.711 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 171 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | CHESTER E PULTORAK |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
171 Otter River Rd is owned and occupied by an individual who bought it in May 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) TD BANK NA |
| May 6, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU |
| Aug 24, 2020 | Warranty Deed, Transfer · VA Mortgage GLOBAL EQUITY FINANCE INC |
| Oct 30, 2017 | Quit Claim Deed, Transfer · VA Mortgage NAVY FCU |
| Apr 10, 2017 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2025 · Amount on File |
| Deed Sale | May 6, 2025 · Amount on File |
| Prior Sale | Oct 30, 2017 · Amount on File |
| Deed Book / Page | 71950 / 327 |
| Prior Transfer Date | May 5, 2025 |
| Prior Transfer Doc | 071950-327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070403-316 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 70403/316 |
| Instrument | 27728 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 6, 2025 |
| Property Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 071950-327 |
| Book / Page | 71950 / 327 |
| Instrument Date | May 5, 2025 |
| Instrument | 35605 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 0000035606 |
|---|---|
| Date | May 6, 2025 |
| Instrument | 35606 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 24, 2020 |
| Property Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 63083-86 |
| Book / Page | 63083 / 86 |
| Instrument Date | Aug 1, 2020 |
| Instrument | 94831 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 0063083-89 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 63083/89 |
| Instrument | 94832 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 30, 2017 |
| Property Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 57958-359 |
| Book / Page | 057958 / 000359 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 571 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 PARKER ST GARDNER MA 014403732, GARDNER, MA 01440-3732 |
| Document Number | 57958-361 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 057958/000361 |
| Instrument | 572 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 10, 2017 |
| Property Address | 171 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Document Number | 56956-200 |
| Book / Page | 056956 / 000200 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 35450 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $467.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 ALGER ST WINCHENDON MA 014751810, WINCHENDON, MA 01475-1810 |
The 2026 property tax bill for 171 Otter River Rd was $4,716.
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 | $4,716.00 (-0.02%) | $342,500 (+4.26%) Land $88,900 Building $253,600 | $380,545 (+23.75%) |
| 2025 | $4,717.00 (+0.96%) | $328,500 (+5.39%) Land $80,800 Building $247,700 | $307,515 |
| 2024 | $4,672.00 (+7.11%) | $311,700 (+15.27%) Land $73,500 Building $238,200 | |
| 2023 | $4,362.00 | $270,400 Land $72,300 Building $198,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 171 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 171 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures