4485 River Gate Dr, Clemmons, NC 27012 Property Records

Forsyth County property record for 4485 River Gate Dr, Clemmons, NC 27012

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,266 sqft · built 2018
Lot Size	0.289 acres (12,632 sqft)
Owner	Company Name on Record
Last Sale	$362,500 (Feb 2022)
Tax Bill	$2,327 (2025)
Deeds & Mortgages	Feb 2022 Sale Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5892-94-8907.00`

Property Details

APN / Parcel Number

Primary APN	`5892-94-8907.00`
Alternative APN	`5892948907000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,266 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Porch	Open Porch
Porch Area	105 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4485 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:281 BL:4210D
Legal Subdivision	RIVERGATE PH 7
Legal Block	4210D
Legal Lot Number	281
Jurisdiction	FORSYTH NC
Township / Civil Division	CLEMMONSVILLE
Census Block Group	2
Census Block	2004
Census Tract	4015

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	14355 COMMERCE WAY, MIAMI LAKES, FL 33016-1502
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Warranty Deed, Transfer INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO
Oct 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 18, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jul 12, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Mar 14, 2018	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Feb 18, 2020 · Amount on Record
Deed Document Number	0036773548
Deed Book / Page	3677 / 3548
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Feb 23, 2022
Property Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0036773548
Book / Page	3677 / 3548
Map Reference	MB 67 PG 38
Instrument Date	Feb 12, 2022
Instrument	2022009089
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2380 CARLYLE PLACE DR # DR301, 2380, WINSTON SALEM, NC 27103-5063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14355 COMMERCE WAY, MIAMI LAKES, FL 33016-1502
Investor	Possibly a Property Investor

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Property Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036453185
Date	Oct 4, 2021
Book Page	3645/3185
Instrument	2021054353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Mar 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Feb 18, 2020
Property Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0035082010
Book / Page	003508 / 002010
Instrument Date	Feb 17, 2020
Instrument	6751
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4485 RIVER GATE DR CLEMMONS NC 270127495, CLEMMONS, NC 27012-7495

Mortgage

Document Number	35082013
Date	Feb 18, 2020
Book Page	003508/002013
Instrument	6752

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Jul 12, 2018
Property Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0034142956
Book / Page	3414 / 2956
Map Reference	MB 67 PG 38
Instrument Date	Jul 6, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0034142958
Date	Jul 12, 2018
Instrument	3414/2958

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Property Address	4485 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0033942375
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	221 JONESTOWN RD WINSTON SALEM NC 271044618, WINSTON SALEM, NC 27104-4618
Investor	Possibly a Property Investor

Mortgage

Document Number	0033942375
Date	Mar 14, 2018
Book Page	003394/002375
Instrument	9018

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Mar 13, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,327.00 (+25.72%)	$380,800 (+52.56%) Land $68,000 Building $312,800	$380,800 (+52.56%) Land $68,000 Building $312,800
2023	$1,851.00	$249,600 Land $45,000 Building $204,600	$249,600 Land $45,000 Building $204,600

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 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

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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