Worcester County and Gardner City property record for 177 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 906 sqft · built 1978 |
| Lot Size | 0.738 acres (32,126 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,000 (Apr 2013) |
| Tax Bill | $4,368 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:4 L:15 |
| Primary APN | GARD M:C37 B:4 L:15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 906 sqft Living Area |
| Gross Area | 2,032 sqft |
| Basement Area | 874 sqft |
| Unfinished Basement | 874 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,126 sqft (0.738 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 177 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 | 4 |
| Legal Lot Number | 15 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
177 Otter River Rd is owned and occupied by an individual who bought it in April 2013.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 177 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 | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2013 · Amount on File |
| Deed Sale | Apr 23, 2013 · Amount on File |
| Prior Sale | Jul 13, 2001 · Amount on File |
| Deed Document Number | 20134 |
| Deed Book / Page | 50774 / 277 |
| Transfer Doc | 50774-277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 177 OTTER RIVER RD, GARDNER, MA 01440-1537 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61847-229 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 61847/229 |
| Instrument | 11929 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2040 |
The 2026 property tax bill for 177 Otter River Rd was $4,368, up 10,058.1% 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 | $4,368.00 (+10,058.14%) | $317,200 (+5.14%) Land $87,600 Building $229,600 | $343,065 (+17.4%) |
| 2025 | $43.00 (-98.94%) | $301,700 (+11.04%) Land $79,600 Building $222,100 | $292,220 |
| 2024 | $4,073.00 (+2.59%) | $271,700 (+10.4%) Land $72,500 Building $199,200 | |
| 2023 | $3,970.00 | $246,100 Land $71,300 Building $174,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 177 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 177 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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