378 Otter River Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 378 Otter River Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,822 sqft · built 1950
Lot Size	1.79 acres (78,295 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Jan 2007)
Tax Bill	$4,975 (2026)
Deeds & Mortgages	May 2022 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:C37 B:7 L:30`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
Gross Area	3,652 sqft
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,295 sqft (1.79 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	378 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	30
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707400

Owner

378 Otter River Rd is owned and occupied by an individual who bought it in January 2007.

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

Owner of Record	Individual Name on File
Mailing Address	378 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
May 25, 2022	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 23, 2020	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2007 · Amount on File
Deed Sale	Jan 26, 2007 · Amount on File
Prior Sale	Nov 6, 1987 · Amount on File
Deed Document Number	200711193
Deed Book / Page	40567 / 362
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	378 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067643-326
Date	May 25, 2022
Book Page	67643/326
Instrument	56838

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	378 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65997-77
Date	Sep 7, 2021
Book Page	65997/77
Instrument	125035

Lender

Name	ROCKET MORTGAGE

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	378 OTTER RIVER RD, GARDNER, MA 01440-1535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63568-176
Date	Oct 23, 2020
Book Page	63568/176
Instrument	126954

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 378 Otter River Rd was $4,975, up 10,053.1% 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	$4,975.00 (+10,053.06%)	$361,300 (+4.24%) Land $98,100 Building $263,200	$391,559 (-0.9%)
2025	$49.00 (-99.03%)	$346,600 (+2.36%) Land $89,100 Building $257,500	$395,105
2024	$5,076.00 (+6.68%)	$338,600 (+14.78%) Land $81,300 Building $257,300
2023	$4,758.00	$295,000 Land $79,700 Building $215,300

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

Flood

FEMA maps place 378 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 378 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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