225 Bell Ct, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 225 Bell Ct, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,652 sqft · built 1997
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Feb 2007)
Tax Bill	$14,947 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-2-42`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-2-42`
Alternative APNs	`308904000500020420000000` `04000500020420000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,652 sqft Living Area
1st Floor Area	2,067 sqft
2nd Floor Area	1,585 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	592 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04000500020420000000
Street Address	225 BELL CT
City	SCHENECTADY
State	NY
Zip	12303-5271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	PINEHAVEN ESTS LOT 225
Legal Subdivision	PINEHAVEN ESTATES
Legal Block	2
Legal Lot Number	42.000
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	225 BELL CT, SCHENECTADY, NY 12303-5271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit SEFCU
Sep 30, 2019	Grant Deed, Transfer · Conventional with PMI SEFCU
Jun 17, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2007 · Amount on Record
Deed Sale	Feb 9, 2007 · Amount on Record
Prior Sale	Feb 9, 2007 · Amount on Record
Deed Document Number	20079890102
Deed Book / Page	2875 / 256
Last Transfer Date	Oct 31, 2011
Transfer Doc	0030180362
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jun 5, 2026
Property Address	225 BELL CT, SCHENECTADY, NY 12303-5271
Document Number	0000010441
Instrument Date	Apr 29, 2026
Instrument	202610441
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BELL CT, SCHENECTADY, NY 12303-5271
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010441,
Date	Jun 5, 2026
Instrument	202610441

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	225 BELL CT, SCHENECTADY, NY 12303-5271
Document Number	0000017909
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BELL CT SCHENECTADY NY 123035271, SCHENECTADY, NY 12303-5271

Mortgage

Document Number	0000017909
Date	Aug 18, 2020
Instrument	17909

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 17, 2035

Interest

Rate Type	Adjustable Rate

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 30, 2019
Property Address	225 BELL CT, SCHENECTADY, NY 12303-5271
Document Number	0000020545
Instrument Date	Sep 26, 2019
Instrument	20545
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,040.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	303 MILLINGSTONE WAY ALTAMONT NY 120094004, ALTAMONT, NY 12009-4004

Mortgage

Document Number	20546
Date	Sep 30, 2019
Instrument	20546

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	225 BELL CT, SCHENECTADY, NY 12303-5271
Document Number	0000018488
Instrument Date	Jun 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20 RIVERDALE CT NISKAYUNA NY 123092535, NISKAYUNA, NY 12309-2535

Mortgage

Document Number	0000018488
Date	Aug 7, 2017
Instrument	18488

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$14,947.00 (+6.56%) Disabled Person's exemption Veteran's exemption
2025	$14,027.00 (+14.3%) Disabled Person's exemption Veteran's exemption	$540,000 (-) Land $108,000 Building $432,000	$720,000 (+13.33%) Land $144,000 Building $576,000
2023		$540,000 (-) Land $108,000 Building $432,000	$635,294 (+7.06%) Land $127,059 Building $508,235
2022		$540,000 Land $108,000 Building $432,000	$593,407 Land $118,681 Building $474,726
2021	$12,272.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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)

Nearby Properties on Bell Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures