4490 River Gate Dr, Clemmons, NC 27012 Property Records

Forsyth County property record for 4490 River Gate Dr, Clemmons, NC 27012

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,432 sqft · built 2018
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,500 (Oct 2018)
Tax Bill	$2,467 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5892-95-6044.00`

Property Details

APN / Parcel Number

Primary APN	`5892-95-6044.00`
Alternative APN	`5892-95-6044.000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,432 sqft Living Area
1st Floor Area	1,455 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Area	380 sqft
Porch	Open Frame Porch
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4490 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:031 BL:4210D
Legal Subdivision	RIVERGATE
Legal Block	4210D
Legal Lot Number	31
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 15, 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	4490 RIVER GATE DR, CLEMMONS, NC 27012-7495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2018 · Amount on Record
Deed Sale	Oct 11, 2018 · Amount on Record
Deed Book / Page	3429 / 137
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Recording Date	Oct 1, 2026
Property Address	4490 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0000036320
Book / Page	3950 / 2808
Instrument Date	Sep 15, 2026
Instrument	202636320
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 RIVER GATE DR, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0000036320,
Date	Oct 1, 2026
Book Page	3950/2808
Instrument	202636320

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Oct 11, 2018
Property Address	4490 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0034290137
Book / Page	3429 / 0137
Map Reference	MB 67 PG 38
Instrument Date	Oct 9, 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	$477.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 RIVER GATE DR, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0034290139
Date	Oct 11, 2018
Instrument	3429/0139

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2038

Tax Assessment & Valuation

Source: Forsyth County assessment roll, as of October 13, 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	$2,467.00 (+30.81%)	$403,700 (+58.75%) Land $68,000 Building $335,700	$403,700 (+58.75%) Land $68,000 Building $335,700
2023	$1,886.00	$254,300 Land $45,000 Building $209,300	$254,300 Land $45,000 Building $209,300

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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