428 Otter River Rd, Templeton, MA 01468 Property Records

Worcester County and Templeton Town property record for 428 Otter River Rd, Templeton, MA 01468

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,264 sqft · built 1973
Lot Size	0.46 acres (20,037 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Jul 2017)
Tax Bill	$3,791 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Feb 2017 Sale & Mortgage
APN	`TEMP M:05-09 B:00104 L:00000`

Property Details

APN / Parcel Number

Primary APN	`TEMP M:05-09 B:00104 L:00000`
Alternative APNs	`M:05=09 B:00104 L:00000` `3001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
Gross Area	2,967 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,037 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3001
Street Address	428 OTTER RIVER RD
City	TEMPLETON
State	MA
Zip	01468-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	104
Jurisdiction	TEMPLETON MA
Township / Civil Division	TEMPLETON
Census Block Group	4
Census Block	4023
Census Tract	705102

Owner

Source: Worcester County and Templeton Town 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	Individual Name on Record
Mailing Address	428 OTTER RIVER RD, TEMPLETON, MA 01468-1427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Quit Claim Deed, Transfer ENVOY MORTGAGE LTD
Feb 17, 2017	Quit Claim Deed, Transfer · Conventional with PMI TIMOTHY S DAMON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Book / Page	57402 / 50
Transfer Doc	0057402-50
Record Updated	Oct 29, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TEMPLETON MA
Recording Date	Jul 12, 2017
Property Address	428 OTTER RIVER RD, TEMPLETON, MA 01468-1427
Document Number	57402-50
Book / Page	57402 / 50
Instrument	73324
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$26.08
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 OTTER RIVER RD, TEMPLETON, MA 01468-1427

Mortgage

Document Number	574020052
Date	Jul 12, 2017
Instrument	57402/0052

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TEMPLETON MA
Recording Date	Feb 17, 2017
Property Address	428 OTTER RIVER RD, TEMPLETON, MA 01468-1427
Document Number	56758-380
Book / Page	056758 / 000380
Instrument Date	Dec 29, 2016
Instrument	17806
Transaction Type	Transfer
Record Updated	Mar 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.12
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 WARD HILL RD PHILLIPSTON MA 013319796, PHILLIPSTON, MA 01331-9796

Mortgage

Document Number	56758-385
Date	Feb 17, 2017
Book Page	056758/000385
Instrument	17807

Lender

Name	TIMOTHY S DAMON

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Feb 16, 2018

Tax Assessment & Valuation

Source: Worcester County and Templeton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Templeton Town
Unified School District	Narragansett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,791.00 (-0.63%)	$319,400 (+1.46%) Land $50,000 Building $269,400	$363,689 (+11.45%)
2025	$3,815.00 (+2.64%)	$314,800 (+6.71%) Land $50,000 Building $264,800	$326,325 (+2.26%)
2024	$3,717.00 (+5.36%)	$295,000 (+8.02%) Land $43,000 Building $252,000	$319,105
2023	$3,528.00	$273,100 Land $43,000 Building $230,100

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TEMPLETON MUNIC. LIGHT AND WATER PLANT serves 6,159 people · EPA ID MA2294000
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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