4478 River Gate Dr, Clemmons, NC 27012 Property Records

Forsyth County property record for 4478 River Gate Dr, Clemmons, NC 27012

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,508 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on File
Last Sale	$300,000 (May 2021)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5892-95-7134.00`

Property Details

APN / Parcel Number

Primary APN	`5892-95-7134.00`
Alternative APN	`5892957134000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,508 sqft Living Area

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Porch	Open Porch
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4478 RIVER GATE DR
City	CLEMMONS
State	NC
Zip	27012-7495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS9
Legal Description	LO:284 BL:4210D
Legal Subdivision	RIVERGATE PH 7
Legal Block	4210D
Legal Lot Number	284
Jurisdiction	FORSYTH NC
Township / Civil Division	CLEMMONSVILLE
Census Block Group	2
Census Block	2004
Census Tract	4015

Owner

4478 River Gate Dr is owned by a company that bought it in May 2021.

Source: Forsyth County records, as of October 13, 2025

Owner of Record	Company Name on File
Mailing Address	600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
May 6, 2021	Warranty Deed, Transfer
Oct 30, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on File
Deed Sale	May 6, 2021 · Amount on File
Prior Sale	Oct 30, 2018 · Amount on File
Deed Document Number	0036073764
Deed Book / Page	3607 / 3764
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Property Address	4478 RIVER GATE DR, CLEMMONS, NC 27012-7495
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036360372
Date	Aug 26, 2021
Book Page	3636/372
Instrument	2021046414

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Sep 9, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	May 6, 2021
Property Address	4478 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0036073764
Book / Page	3607 / 3764
Map Reference	MB 67 PG 38
Instrument Date	May 6, 2021
Instrument	2021023922
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8108 MACKENZIE CT, 8108, DURHAM, NC 27713-6325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Oct 30, 2018
Property Address	4478 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0034320280
Book / Page	3432 / 0280
Map Reference	MB 67 PG 38
Instrument Date	Oct 25, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 JONESTOWN RD, 221, WINSTON SALEM, NC 27104-4618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4478 RIVER GATE DR, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0034320282
Date	Oct 30, 2018
Instrument	3432/0282

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 4478 River Gate Dr was $2,280.

Source: Forsyth County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Forsyth County
Unified School District	Forsyth County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,280.00	$373,100 Land $68,000 Building $305,100	$373,100 Land $68,000 Building $305,100
2023	$1,996.00	$269,200 Land $45,000 Building $224,200	$269,200 Land $45,000 Building $224,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4478 River Gate Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2025 · 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

Wildfire risk around 4478 River Gate Dr is low, with a 0.04% 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 · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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	CITY OF WINSTON-SALEM serves 391,900 people · EPA ID NC0234010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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