48 Otter River Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 48 Otter River Rd, Gardner, MA 01440 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Architecture Style	Ranch
Year Built	Built 1965
Square Footage	1,140 sqft Living Area
Lot Size	51,401 sqft (1.18 acres)
Occupancy	Owner Occupied
Tax Bill	$4,892.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:H-37 B:0005 L:0023`
Alternative APN	`GARD M:H37 B:11 L:23`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,140 sqft Living Area
Gross Area	3,015 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	51,401 sqft (1.18 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	48 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	23
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1008
Census Tract	707400

Owner

Source: Worcester County and Gardner City records · APN M:H-37 B:0005 L:0023

Assessment roll updated April 14, 2026 · Last verified July 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	48 OTTER RIVER RD, GARDNER, MA 01440-1502
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	48 OTTER RIVER RD, GARDNER, MA 01440-1502
Transaction Type	Mortgage
Record Updated	Aug 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069400-258
Date	Jul 19, 2023
Book Page	69400/258
Instrument	57723

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2038

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$4,892.00 (+1.01%)	$340,700 (+5.45%) Land $85,300 Building $255,400	$304,000
2024	$4,843.00 (+7.5%)	$323,100 (+15.68%) Land $77,700 Building $245,400
2023	$4,505.00	$279,300 Land $76,700 Building $202,600

Flood & Wildfire

48 Otter River Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 58th in Massachusetts
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.