230 Bell Ct, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 230 Bell Ct, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,330 sqft · built 1997
Lot Size	0.639 acres (27,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (May 2000)
Tax Bill	$14,411 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-2-43`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-2-43`
Alternative APNs	`308904000500020430000000` `04000500020430000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,330 sqft Living Area
1st Floor Area	1,745 sqft
2nd Floor Area	1,585 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	27,855 sqft (0.639 acres)
Lot Dimensions	328 ft deep x 84.8 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	640 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04000500020430000000
Street Address	230 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 230
Legal Subdivision	FINAL PLAT SUBDIVISION PINEHAVEN ESTATES
Legal Block	2
Legal Lot Number	43.000
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	230 BELL CT, SCHENECTADY, NY 12303-5270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Deed of Trust, Mortgage · ARM CAPITAL COMMUNICATIONS FCU
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2000 · Amount on Record
Deed Sale	May 1, 2000 · Amount on Record
Prior Sale	Mar 26, 1997 · Amount on Record
Deed Book / Page	2654 / 1068
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	230 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005821
Date	Mar 27, 2019
Instrument	R2019-05821

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.12%
Index	1-Year CMT
Margin	3
Max Rate	10.1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	230 BELL CT, SCHENECTADY, NY 12303-5270
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004442
Date	Oct 22, 2020
Instrument	R2020-24442

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$14,411.00 (+0.04%)
2025	$14,405.00 (+11.67%)	$499,000 (-) Land $100,000 Building $399,000	$665,333 (+13.33%) Land $133,333 Building $532,000
2023		$499,000 (-) Land $100,000 Building $399,000	$587,059 (+7.06%) Land $117,647 Building $469,412
2022		$499,000 Land $100,000 Building $399,000	$548,352 Land $109,890 Building $438,462
2021	$12,900.00

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 (outdoors only) and 4G LTE

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