366 Otter River Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 366 Otter River Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 906 sqft · built 1982
Lot Size	0.947 acres (41,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2022)
Tax Bill	$4,773 (2026)
Deeds & Mortgages	Sep 2021 Refinance Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:C-37 B:0013B L:0030B`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	1,991 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,255 sqft (0.947 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	366 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	30B
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	366 OTTER RIVER RD, GARDNER, MA 01440-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 19, 2020	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION
Apr 21, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 28, 2018	Quit Claim Deed, Transfer VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Prior Sale	Sep 28, 2018 · Amount on Record
Deed Book / Page	67473 / 363
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	366 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066030-70
Date	Sep 10, 2021
Book Page	66030/70
Instrument	127178

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	366 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	0063057-75
Date	Aug 19, 2020
Book Page	63057/75
Instrument	93082

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 21, 2022
Property Address	366 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	067473-363
Book / Page	67473 / 363
Instrument Date	Apr 21, 2022
Instrument	44040
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	366 OTTER RIVER RD, GARDNER, MA 01440-1535

Mortgage

Document Number	0000044041
Date	Apr 21, 2022
Instrument	44041

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 28, 2018
Property Address	366 OTTER RIVER RD, GARDNER, MA 01440-1535
Document Number	59475-371
Book / Page	59475 / 371
Instrument	103174
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594750375
Date	Sep 28, 2018
Instrument	59475/0375

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2048

Tax Assessment & Valuation

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	$4,773.00 (+10,276.09%)	$346,600 (+7.31%) Land $92,900 Building $253,700	$359,824 (-1.13%)
2025	$46.00 (-98.97%)	$323,000 (+8.68%) Land $84,500 Building $238,500	$363,945
2024	$4,455.00 (+8.74%)	$297,200 (+17.01%) Land $76,900 Building $220,300
2023	$4,097.00	$254,000 Land $75,700 Building $178,300

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

Flood

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

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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