302 Otter River Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 302 Otter River Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,346 sqft · built 1936
Lot Size	1 acres (43,553 sqft)
Owner	Individual Name on File
Last Sale	$80,100 (Jun 2018)
Tax Bill	$4,288 (2026)
Deeds & Mortgages	Nov 2019 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:C37 B:3 L:27`

Property Details

APN / Parcel Number

Primary APN	`GARD M:C37 B:3 L:27`
Alternative APN	`M:C-37 B:0011 L:0027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,346 sqft Living Area
Gross Area	2,508 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,553 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	302 OTTER RIVER RD
City	GARDNER
State	MA
Zip	01440-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	3
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707400

Owner

302 Otter River Rd is owned and occupied by an individual who bought it in June 2018.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	302 OTTER RIVER RD, GARDNER, MA 01440-1535
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Jun 22, 2018	Quit Claim Deed, Transfer
Jan 23, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on File
Deed Sale	Jun 22, 2018 · Amount on File
Prior Sale	Jan 23, 2018 · Amount on File
Deed Document Number	201862378
Deed Book / Page	58990 / 246
Transfer Doc	58990-246
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	302 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061432-331
Date	Nov 18, 2019
Book Page	61432/331
Instrument	123500

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Dec 1, 2045

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	302 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066536-371
Date	Nov 16, 2021
Book Page	66536/371
Instrument	160363

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Dec 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 22, 2018
Property Address	302 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	58990-246
Book / Page	058990 / 000246
Instrument Date	Jun 18, 2018
Instrument	62378
Transaction Type	Transfer
Record Updated	Jul 10, 2018

Transaction

Amount	Amount on Record
Tax	$365.26
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 OTTER RIVER RD GARDNER MA 014401535, GARDNER, MA 01440-1535

January 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jan 23, 2018
Property Address	302 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	58349-350
Book / Page	058349 / 000350
Instrument Date	Jan 12, 2018
Instrument	7063
Transaction Type	Foreclosure
Record Updated	Feb 13, 2018

Transaction

Amount	Amount on Record
Tax	$529.42
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

Tax Assessment & Valuation

The 2026 property tax bill for 302 Otter River Rd was $4,288, up 10,109.5% from the year before.

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,288.00 (+10,109.52%)	$311,400 (+4.46%) Land $93,000 Building $218,400	$362,353 (+4.1%)
2025	$42.00 (-99.02%)	$298,100 (+4.56%) Land $84,600 Building $213,500	$348,080
2024	$4,274.00 (+7.14%)	$285,100 (+15.29%) Land $77,000 Building $208,100
2023	$3,989.00	$247,300 Land $75,900 Building $171,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 302 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

Wildfire risk around 302 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.

Internet Providers

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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