218 Bell Ct, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 218 Bell Ct, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,444 sqft · built 1998
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Nov 2021)
Tax Bill	$17,539 (2026)
Deeds & Mortgages	Jun 2018 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-2-24`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-2-24`
Alternative APNs	`308904000500020240000000` `04000500020240000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,444 sqft Living Area
1st Floor Area	1,944 sqft
2nd Floor Area	1,500 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	56,628 sqft (1.3 acres)
Lot Width	116 ft Width
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	612 sqft
Porch	Slab
Porch Area	227 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04000500020240000000
Street Address	218 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 218
Legal Subdivision	PINEHAVEN ESTATES
Legal Block	2
Legal Lot Number	24.000
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	218 BELL CT, SCHENECTADY, NY 12303-5270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTCO BANK
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Aug 2, 2021	Deed of Trust, Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Aug 10, 2016 · Amount on Record
Deed Document Number	202135880
Prior Transfer Date	Jul 6, 2016
Prior Transfer Doc	0000018085
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	218 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003844
Date	Jun 25, 2018
Instrument	R2018-13844

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 6, 2038

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	218 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 PRINCETON ST, AMSTERDAM, NY 12010-1439

Mortgage

Document Number	0000005880
Date	Nov 29, 2021
Instrument	R2021-35880

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	218 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 BELL CT, SCHENECTADY, NY 12303-5270

Mortgage

Document Number	0000003195
Date	Aug 2, 2021
Instrument	R2021-23195

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jul 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	218 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 BELL CT, SCHENECTADY, NY 12303-5270

Mortgage

Document Number	0000003198
Date	Aug 2, 2021
Instrument	R2021-23198

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Amount	Amount Recorded

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	$17,539.00 (+0.02%)
2025	$17,535.00 (+12.07%)	$610,000 (-) Land $122,000 Building $488,000	$813,333 (+13.33%) Land $162,667 Building $650,666
2023		$610,000 (-) Land $122,000 Building $488,000	$717,647 (+7.06%) Land $143,529 Building $574,118
2022		$610,000 Land $122,000 Building $488,000	$670,330 Land $134,066 Building $536,264
2021	$15,646.00

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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