358 Otter River Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 358 Otter River Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 906 sqft · built 1981
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Last Sale	$269,900 (Aug 2020)
Tax Bill	$5,315 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:C-37 B:0013C L:0030A`

Property Details

APN / Parcel Number

Primary APN	`M:C-37 B:0013C L:0030A`
Alternative APN	`GARD M:C37 B:7 L:30A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	1,920 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	358 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	7
Legal Lot Number	30A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707400

Owner

358 Otter River Rd is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	358 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
Aug 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Jan 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Jan 14, 2020 · Amount on File
Deed Document Number	202095862
Deed Book / Page	63099 / 99
Prior Transfer Date	Aug 24, 2020
Prior Transfer Doc	63099-99
Record Updated	Oct 29, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 25, 2020
Property Address	358 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	63099-99
Book / Page	63099 / 99
Instrument Date	Aug 24, 2020
Instrument	95862
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 OTTER RIVER RD, GARDNER, MA 01440-1535

Mortgage

Document Number	95863
Date	Aug 25, 2020
Instrument	95863

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 14, 2020
Property Address	358 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	61742-221
Book / Page	061742 / 000221
Instrument Date	Dec 24, 2019
Instrument	4120
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$508.44
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 LAKEVIEW AVE LOWELL MA 018501030, LOWELL, MA 01850-1030

Tax Assessment & Valuation

The 2026 property tax bill for 358 Otter River Rd was $5,315, up 10,321.6% 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	$5,315.00 (+10,321.57%)	$386,000 (+7.25%) Land $93,200 Building $292,800	$400,863 (+18.83%)
2025	$51.00 (-98.96%)	$359,900 (+10.09%) Land $84,700 Building $275,200	$337,345
2024	$4,900.00 (+2.66%)	$326,900 (+10.48%) Land $77,200 Building $249,700
2023	$4,773.00	$295,900 Land $76,100 Building $219,800

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

Flood

FEMA maps place 358 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 358 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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