Worcester County and Gardner City property record for 76 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,904 sqft · built 1992 |
| Lot Size | 5.8 acres (252,971 sqft) |
| Owner | Individual Name on File |
| Last Sale | $318,000 (Oct 2019) |
| Tax Bill | $6,163 (2026) |
| Deeds & Mortgages | Feb 2023 Refinance Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | M:C-37 B:0006A L:0021A |
| Primary APN | M:C-37 B:0006A L:0021A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| Gross Area | 3,694 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 252,971 sqft (5.8 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 76 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | LAND SURVEYED ROY J & BEVERLY |
| Legal Block | 20 |
| Legal Lot Number | 21A |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 707400 |
76 Otter River Rd is owned and occupied by an individual who bought it in October 2019.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 76 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| 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.
| Date | Document |
|---|---|
| Feb 6, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS PLUS CU |
| Oct 11, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK |
| Oct 11, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2019 · Amount on File |
| Deed Sale | Oct 11, 2019 · Amount on File |
| Prior Sale | Sep 5, 2002 · Amount on File |
| Deed Document Number | 2019107676 |
| Deed Book / Page | 61222 / 124 |
| Prior Transfer Date | Oct 1, 2019 |
| Prior Transfer Doc | 61222-124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 76 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068802-115 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | 68802/115 |
| Instrument | 10999 |
| Name | MEMBERS PLUS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 11, 2019 |
| Property Address | 76 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Number | 61222-124 |
| Book / Page | 61222 / 124 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 107676 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Number | 107677 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 107677 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 76 OTTER RIVER RD, GARDNER, MA 01440-1502 |
| Document Number | 57903-45 |
| Book / Page | 057903 / 000045 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 57903-45 |
|---|---|
| Date | Oct 19, 2017 |
| Book Page | 057903/000045 |
| Instrument | 115794 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 18, 2047 |
The 2026 property tax bill for 76 Otter River Rd was $6,163, up 10,712.3% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,163.00 (+10,712.28%) | $447,600 (+11.26%) Land $93,800 Building $353,800 | $489,141 (+10.87%) |
| 2025 | $57.00 (-99.05%) | $402,300 (+0.22%) Land $86,600 Building $315,700 | $441,180 |
| 2024 | $6,017.00 (+3.76%) | $401,400 (+11.66%) Land $80,400 Building $321,000 | |
| 2023 | $5,799.00 | $359,500 Land $79,400 Building $280,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 76 Otter River Rd in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 risk around 76 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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