4545 River Gate Dr, Clemmons, NC 27012 Property Records

Forsyth County property record for 4545 River Gate Dr, Clemmons, NC 27012 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,830 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Oct 2020)
Tax Bill	$2,457 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5892-94-4423.00`

Property Details

APN / Parcel Number

Primary APN	`5892-94-4423.00`
Alternative APN	`5892944423000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,830 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	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Porch	Open Porch
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4545 RIVER GATE DR
City	CLEMMONS
State	NC
Zip	27012-6990
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LO:139 BL:4210D
Legal Subdivision	RIVERGATE PH 7
Legal Block	4210D
Legal Lot Number	139
Jurisdiction	FORSYTH NC
Township / Civil Division	CLEMMONSVILLE
Census Block Group	2
Census Block	2005
Census Tract	4015

Owner

Source: Forsyth County records · APN 5892-94-4423.00

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4545 RIVER GATE DR, CLEMMONS, NC 27012-6990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 13, 2018	Warranty Deed, Transfer · ARM PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Dec 13, 2018 · Amount on Record
Deed Document Number	0035601137
Deed Book / Page	3560 / 1137
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Oct 21, 2020
Property Address	4545 RIVER GATE DR, CLEMMONS, NC 27012-6990
Document Number	0035601137
Book / Page	3560 / 1137
Map Reference	MB 67 PG 38
Instrument Date	Oct 02, 2020
Instrument	2020047233
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 RIVER GATE DR, CLEMMONS, NC 27012-6990

Mortgage

Document Number	2020047234
Date	Oct 21, 2020
Instrument	2020047234

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORSYTH NC
Recording Date	Dec 13, 2018
Property Address	4545 RIVER GATE DR, CLEMMONS, NC 27012-6990
Document Number	0034381395
Book / Page	3438 / 1395
Map Reference	MB 67 PG 38
Instrument Date	Nov 30, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
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	4545 RIVER GATE DR, CLEMMONS, NC 27012-6990

Mortgage

Document Number	0034381397
Date	Dec 13, 2018
Instrument	3438/1397

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jan 01, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

Source: Forsyth County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,457.00 (+15.41%)	$402,200 (+40.09%) Land $68,000 Building $334,200	$402,200 (+40.09%) Land $68,000 Building $334,200
2023	$2,129.00	$287,100 Land $45,000 Building $242,100	$287,100 Land $45,000 Building $242,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Forsyth County (37067C), updated September 4, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370670040152, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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