210 Bell Ct, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 210 Bell Ct, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,979 sqft · built 1997
Lot Size	0.672 acres (29,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jul 2022)
Tax Bill	$13,425 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-2-40`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-2-40`
Alternative APNs	`308904000500020400000000` `04000500020400000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,979 sqft Living Area
1st Floor Area	1,604 sqft
2nd Floor Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	29,301 sqft (0.672 acres)
Lot Dimensions	235 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	544 sqft
Porch	Slab
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04000500020400000000
Street Address	210 BELL CT
City	SCHENECTADY
State	NY
Zip	12303-5270
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	PINEHAVEN ESTS LOT 210
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1004
Census Tract	14617

Owner

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	210 BELL CT, SCHENECTADY, NY 12303-5270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Jul 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Dec 3, 2015 · Amount on Record
Deed Document Number	202217507
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jul 14, 2026
Property Address	210 BELL CT, SCHENECTADY, NY 12303-5270
Document Number	0000013231
Instrument Date	Jul 9, 2026
Instrument	202613231
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 BELL CT, SCHENECTADY, NY 12303-5270

Mortgage

Document Number	0000013231,
Date	Jul 14, 2026
Instrument	202613231

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	210 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3065 E OLD STATE RD, SCHENECTADY, NY 12303-5503

Mortgage

Document Number	0000004328
Date	Oct 14, 2022
Instrument	R2022-24328

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	210 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SMPR TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3065 E OLD STATE RD, SCHENECTADY, NY 12303-5503

Mortgage

Document Number	0000007508
Date	Jul 26, 2022
Instrument	R2022-17508

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	AGUIRRE, PR 0704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,425.00 (+0.05%)
2025	$13,418.00 (+18.43%)	$464,000 (-) Land $93,000 Building $371,000	$618,667 (+13.33%) Land $124,000 Building $494,667
2023		$464,000 (-) Land $93,000 Building $371,000	$545,882 (+7.06%) Land $109,412 Building $436,470
2022		$464,000 Land $93,000 Building $371,000	$509,890 Land $102,198 Building $407,692
2021	$11,330.00

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 March 6, 2019 · 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	1 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 54% of New York
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	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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