4496 River Gate Dr, Clemmons, NC 27012 Property Records

Forsyth County property record for 4496 River Gate Dr, Clemmons, NC 27012

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,450 sqft · built 2018
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$225,500 (Apr 2018)
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Feb 2018 Construction Loan Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5892-94-5954.00`

Property Details

APN / Parcel Number

Primary APN	`5892-94-5954.00`
Alternative APN	`5892945954000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,450 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	12,197 sqft (0.28 acres)
Porch	Open Porch
Porch Area	218 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4496 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:030 BL:4210D
Legal Subdivision	RIVERGATE PH 7
Legal Block	4210D
Legal Lot Number	30
Jurisdiction	FORSYTH NC
Township / Civil Division	CLEMMONSVILLE
Census Block Group	2
Census Block	2001
Census Tract	4015

Owner

4496 River Gate Dr is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4496 RIVER GATE DR, CLEMMONS, NC 27012-7495
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 20, 2018	Deed of Trust, Mortgage · Construction Mortgage ALLEGACY FCU
Nov 12, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 19, 2018	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on File
Deed Sale	Apr 19, 2018 · Amount on File
Deed Document Number	0003400907
Deed Book / Page	3400 / 907
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Property Address	4496 RIVER GATE DR, CLEMMONS, NC 27012-7495
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033910466
Date	Feb 20, 2018
Book Page	3391/0466

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	25 Months
Due	Mar 10, 2020

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORSYTH NC
Property Address	4496 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0034931931
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4496 RIVER GATE DR CLEMMONS NC 270127495, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0034931931
Date	Nov 15, 2019
Book Page	003493/001931
Instrument	46264

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Apr 19, 2018
Property Address	4496 RIVER GATE DR, CLEMMONS, NC 27012-7495
Document Number	0034000907
Book / Page	3400 / 0907
Map Reference	MB 67 PG 38
Instrument Date	Mar 14, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4493 RIVER GATE DR, CLEMMONS, NC 27012-7495

Mortgage

Document Number	0034000909
Date	Apr 19, 2018
Instrument	3400/0909

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4496 River Gate Dr was $2,480.

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	$2,480.00	$405,900 Land $68,000 Building $337,900	$405,900 Land $68,000 Building $337,900
2023	$1,961.00	$264,500 Land $45,000 Building $219,500	$264,500 Land $45,000 Building $219,500

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

Flood

FEMA maps place 4496 River Gate Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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
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 4496 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

Nearby Properties on River Gate Dr

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