Worcester County and Gardner City property record for 282 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,548 sqft · built 1800 |
| Lot Size | 4.19 acres (182,839 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,922 (2026) |
| Deeds & Mortgages | Dec 2025 Transfer Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:3 L:25 |
| Primary APN | GARD M:C37 B:3 L:25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,548 sqft Living Area |
| Gross Area | 3,286 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 182,839 sqft (4.19 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 282 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 3 |
| Legal Lot Number | 25 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 707400 |
282 Otter River Rd is owned and occupied by an individual who acquired it in December 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 282 OTTER RIVER RD, GARDNER, MA 01440-1504 |
| 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 |
|---|---|
| Dec 12, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Jul 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| May 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 11, 2025 |
| Transfer Doc | 072954-302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 12, 2025 |
| Property Address | 282 OTTER RIVER RD, GARDNER, MA 01440-1504 |
| Document Number | 072954-302 |
| Book / Page | 72954 / 302 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 108528 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 282 OTTER RIVER RD, GARDNER, MA 01440-1504 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 282 OTTER RIVER RD, GARDNER, MA 01440-1504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0065593-46 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 65593/46 |
| Instrument | 96631 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 282 OTTER RIVER RD, GARDNER, MA 01440-1504 |
| Document Number | 58916-333 |
| Instrument Date | May 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 282 OTTER RIVER RD GARDNER MA 014401504, GARDNER, MA 01440-1504 |
| Document Number | 58916-333 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 058916/000333 |
| Instrument | 55926 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 7, 2038 |
The 2026 property tax bill for 282 Otter River Rd was $5,922, up 2.1% 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 | $5,922.00 (+2.1%) | $430,100 (+6.49%) Land $110,100 Building $320,000 | $375,689 (-8.52%) |
| 2025 | $5,800.00 (+0.45%) | $403,900 (+4.85%) Land $101,100 Building $302,800 | $410,685 |
| 2024 | $5,774.00 (+21.1%) | $385,200 (+30.31%) Land $93,300 Building $291,900 | |
| 2023 | $4,768.00 | $295,600 Land $89,300 Building $206,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 282 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 282 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: T-Mobile.
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