4634 Harbor View Ter

Morganton, NC 28655

$849,000
Price
3
Beds
2,947 Sq. Ft.
$288 / Sq. Ft.
2,947
Sq. Ft.
$288
per Sq. Ft.
a view of a house next to a yard with big trees
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a kitchen with granite countertop white cabinets and white appliances
a kitchen with stainless steel appliances granite countertop a stove a sink and white cabinets with wooden floor
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Description

Welcome to 4634 Harbor View Terrace! This beautifully appointed ranch-style lakefront home offers true main-level living with a finished lower level, blending comfort, space, and exceptional lake views. Featuring three bedrooms (all on main level) and three full bathrooms, the home showcases a mix of hardwood and carpeted floors along with two inviting fireplaces—one in the main living room and another in the lower-level den—creating warm gathering spaces on both levels. The main level includes a...Welcome to 4634 Harbor View Terrace! This beautifully appointed ranch-style lakefront home offers true main-level living with a finished lower level, blending comfort, space, and exceptional lake views. Featuring three bedrooms (all on main level) and three full bathrooms, the home showcases a mix of hardwood and carpeted floors along with two inviting fireplaces—one in the main living room and another in the lower-level den—creating warm gathering spaces on both levels. The main level includes a dedicated dining room, a spacious kitchen with granite countertops, ample cabinetry, and a charming breakfast nook, all designed to take advantage of the home’s scenic setting. The primary suite serves as a private retreat with lake views, a walk-in closet, a walk-in shower, and a relaxing whirlpool tub, along with private access to the lake-facing deck—perfect for morning coffee or evening sunsets. The finished lower level expands the living space with a bar, an additional bedroom, and a den centered around the second fireplace, with direct exterior access to the lakefront, along with an unfinished bonus room offering generous storage or the opportunity for customization. Step outside to enjoy three expansive lake-facing decks with clear, unobstructed water views—a rare feature no longer permitted on many newer lakefront lots. Nearly every room in the home enjoys a lake view, with the exception of the dining room and one secondary bedroom. Positioned on a wide, protected cove, the property offers beautiful open water views without the disruption of heavy boat traffic, creating a peaceful and enjoyable lakefront experience. Whether swimming in the lake or the neighborhood pool, playing tennis, or heading out on the water, this home delivers the ultimate lake lifestyle. A boat slip is included, making it easy to enjoy everything the lake has to offer. Take a look at the drone video below! https://media.zillowmediaexperts.com/sites/eeekpvn/unbranded
  1. Listed by Olivia Mark • DASH Carolina • Olivia.mark@dashnc.com

Property Details for 4634 Harbor View Terrace

Waterfront Features
Boat Slip – Community
View
Water
Parking Features
Driveway, Attached Garage, Garage Door Opener, Garage Faces Side
Community Features
Clubhouse, Lake Access, Outdoor Pool, Tennis Court(s)
Subdivision Name
East Shores
LISTING UPDATED: 01/30/2026 05:03 AM

Property Details for 4634 Harbor View Terrace

StatusActive
MLS #4340012
Days on Market4
Taxes-
HOA Fees$1,014 semi-annually
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1995
Lot Size0.78 AC / 33,976 SF
CountyBurke County

Location

Listing Courtesy of DASH Carolina
Add your commute

Building Information for 4634 Harbor View Terrace

Stories-Year Built1995Building Size-Lot Size0.78 AC / 33,976 SF

Payment Calculator

$4,698 per month

30 year fixed, 6.15% Interest

Principal and Interest

$4,138

Property Taxes

$391

HOA Dues

$169

The Payment Calculator is for illustrative purposes only.

Property Information for 4634 Harbor View Terrace

Summary
Location and General Information
  • Water Body Name: Lake James
  • Longitude: -81.821272
  • Latitude: 35.765428
  • Directions: Follow I-85 S, US-321 N and I-40 to Reep Dr in Burke County. Take exit 100 from I-40. Continue on Reep Dr. Take US-70 W, Powerhouse Rd and Conley Bumgarner Rd to Harbor View Terrace.
Taxes and HOA Information
  • HOA YN: Yes
  • HOA Name: East Shores HOA
  • HOA Subject To: Required
  • HOA Annual Expense: $2,028.00
  • Tax Assessed Value: $703,066.00
  • Parcel Number: 49887
  • City Taxes Paid To: Morganton
School Information
  • Middle Or Junior School: Table Rock
  • High School: Freedom
  • Elementary School: Glen Alpine
Parking
  • Parking: Open Spaces: 2.0
  • Parking: Open Parking YN: Yes
  • Parking: Carport YN: No
  • Garage Spaces: 2.0
  • Garage YN: Yes
  • Garage Main Level YN: Yes
Property
Lot Information
  • Above Grade Finished Area: 2947.0
  • Below Grade Finished Area: 0.0
  • Sq Ft Lower: 1093
  • Sq Ft Main: 1854
  • Sq Ft Third: 0
  • Sq Ft Unheated Lower: 487
  • Sq Ft Unheated Main: 585
  • Sq Ft Unheated Total: 1072
  • Sq Ft Upper: 0
  • Sq Ft Total Property HLA: 2947.0
  • Lot Features: Waterfront
  • Lot Size Units: Acres
  • Property Type: Residential
Property and Assessments
  • Geocode Confidence: High
  • Down Payment Resource YN: No
  • New Construction YN: No
  • Photos Count: 39
  • Road Responsibility: Private Maintained Road
  • Construction Type: Site Built
  • Assumable: No
  • Senior Community YN: No
Green Features
  • Green Verification Count: 0
Utilities
  • Sewer: Septic Installed
  • Water Source: Community Well
Interior and Exterior Features
Exterior Features
  • Construction Materials: Brick Full
  • Pool Private YN: No
  • Road Surface Type: Concrete, Paved
  • Roof: Architectural Shingle
Interior Features
  • Appliances: Dishwasher, Electric Oven, Microwave
  • Levels: One
  • Cooling: Ceiling Fan(s), Central Air
  • Heating: Forced Air
  • Laundry Features: Laundry Room
  • Fireplace Features: Gas Log, Living Room
  • Fireplace YN: Yes
  • Foundation Details: Basement
  • Basement YN: Yes
  • Basement Features: Interior Entry, Storage Space
  • Bedroom Main: 3
  • Full Bath Lower: 1
  • Full Bath Main: 2
  • Half Bath Lower: 0
  • Half Bath Main: 0
Room Information
Room Information
  • Room Count: 8.0
Room 1
  • Room Types: Primary Bedroom
  • Room Level: Main
Room 2
  • Room Types: Bedroom(s)
  • Room Level: Main
Room 3
  • Room Types: Bedroom(s)
  • Room Level: Main
Room 4
  • Room Types: Living Room
  • Room Level: Main
Room 5
  • Room Types: Dining Room
  • Room Level: Main
Room 6
  • Room Types: Kitchen
  • Room Level: Main
Room 7
  • Room Types: Den
  • Room Level: Lower
Room 8
  • Room Types: Bonus Room
  • Room Level: Lower

Property History for 4634 Harbor View Terrace

DateEvent & SourcePriceAppreciation
Jan 29, 2026

Listed (Active)

CANOPY #4340012

$849,000—
Nov 4, 2021

Withdrawn

CANOPY #3765892

$774,000—
Jul 23, 2021

Listed (Active)

CANOPY #3765892

$774,000—
DateEvent & SourcePrice
01/29/2026

Listed (Active)

CANOPY #4340012

$849,000
11/04/2021

Withdrawn

CANOPY #3765892

$774,000
07/23/2021

Listed (Active)

CANOPY #3765892

$774,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 4634 Harbor View Terrace

Taxable ValueLand$199,400Additions$503,666Total$703,066
Tax Record2025$4,697 ($391 / month)
Home Facts
Beds3Total Finished SqFt2,038 SqFtAbove Grade Finished SqFt2,038 SqFtUnfinished Basement SqFt1,668 SqFtStories1Lot Size33,977 SqFtStyleSingle Family ResidenceYear Built1995Year Renovated2005ZoningRESIDENTIAL OCountyBURKEAPN49887Fireplace TypeHas Fireplace

Schools near 4634 Harbor View Terrace

This home is within Burke County School District.
Rating
School
Type
Grades
Distance
Glen Alpine Elementary
Public - PK to 5
Table Rock Middle
Public - 6 to 8
Freedom High
Public - 9 to 12
Burke Virtual Academy
Public - K to 12
Rating
School
Distance
Glen Alpine Elementary
PublicPK to 5

Table Rock Middle
Public6 to 8

Freedom High
Public9 to 12

Burke Virtual Academy
PublicK to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 4634 Harbor View Terrace, Morganton, NC 28655

4634 Harbor View Terrace is a single family home for sale in Morganton, NC 28655. This property was listed for sale on January 29, 2026 by DASH Carolina, it's currently listed at $849,000. This listing's school district is Burke County School District. Nearby schools include Glen Alpine Elementary, Table Rock Middle and Freedom High. 4634 Harbor View Terrace is a 3-bed, 3-bath, 2,947 sqft single family home built in 1995.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of DASH Carolina

Based on information submitted to the MLS GRID as of 01/30/2026 05:03 AM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.