Worcester County and Gardner City property record for 40 Otter River Rd, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,670 sqft Living Area |
| Lot Size | 508,363 sqft (11.6 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $760,000 (2022) |
| Tax Bill | $9,845.00 (2025) |
| Primary APN | M:H-37 B:0004 L:0022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,670 sqft Living Area |
| Gross Area | 5,146 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 508,363 sqft (11.6 acres) |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 40 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1502 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 11 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN M:H-37 B:0004 L:0022
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR BANK |
| May 23, 2022 | Quit Claim Arm's Length for NE States, Transfer |
| Sep 21, 2021 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| May 01, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 202255835 |
| Deed Book / Page | 67630 / 79 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072263-305 |
|---|---|
| Date | Jul 16, 2025 |
| Book Page | 72263/305 |
| Instrument | 58496 |
| Name | ARBOR BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 23, 2022 |
| Property Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Number | 0067630-79 |
| Book / Page | 67630 / 79 |
| Instrument Date | May 19, 2022 |
| Instrument | 55835 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66109-119 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 66109/119 |
| Instrument | 132218 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Number | 57084-306 |
| Book / Page | 057084 / 000306 |
| Instrument Date | May 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Document Number | 57084-306 |
|---|---|
| Date | May 08, 2017 |
| Book Page | 057084/000306 |
| Instrument | 46328 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,845.00 (-4.19%) | $685,600 (+0.01%) Land $134,900 Building $550,700 | $882,360 |
| 2024 | $10,276.00 (+19.77%) | $685,500 (+28.88%) Land $127,100 Building $558,400 | |
| 2023 | $8,580.00 | $531,900 Land $117,100 Building $414,800 |
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