Worcester County and Gardner City property record for 83 Otter River Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,242 sqft · built 1920 |
| Lot Size | 3.3 acres (144,071 sqft) |
| Owner | Trust Name on File |
| Last Sale | $230,000 (Sep 2004) |
| Tax Bill | $4,262 (2026) |
| Deeds & Mortgages | Sep 2026 Transfer Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H37 B:6 L:19 |
| Primary APN | GARD M:H37 B:6 L:19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,242 sqft Living Area |
| Gross Area | 2,310 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 144,071 sqft (3.3 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 83 OTTER RIVER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 6 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
83 Otter River Rd is owner-occupied and held in a trust since September 2026.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 83 OTTER RIVER RD, GARDNER, MA 01440-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Sep 22, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Jun 12, 2020 | Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2004 · Amount on File |
| Deed Sale | Sep 30, 2004 · Amount on File |
| Prior Sale | Aug 12, 1996 · Amount on File |
| Deed Document Number | 2004178630 |
| Deed Book / Page | 34723 / 119 |
| Last Transfer Date | Sep 15, 2026 |
| Transfer Doc | 0000082956 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 22, 2026 |
| Property Address | 83 OTTER RIVER RD, GARDNER, MA 01440-1501 |
| Document Number | 0000082956 |
| Book / Page | 74199 / 54 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202682956 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 83 OTTER RIVER RD, GARDNER, MA 01440-1501 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 83 OTTER RIVER RD, GARDNER, MA 01440-1501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62587-258 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 62587/258 |
| Instrument | 62011 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2040 |
The 2026 property tax bill for 83 Otter River Rd was $4,262, up 10,047.6% 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 | $4,262.00 (+10,047.62%) | $309,500 (+4.53%) Land $105,700 Building $203,800 | $356,579 (-0.65%) |
| 2025 | $42.00 (-99%) | $296,100 (+5.41%) Land $96,700 Building $199,400 | $358,910 |
| 2024 | $4,211.00 (+6.85%) | $280,900 (+14.98%) Land $88,900 Building $192,000 | |
| 2023 | $3,941.00 | $244,300 Land $85,700 Building $158,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 83 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 risk around 83 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 |
5G (outdoors only) and 4G LTE
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