4639 Harbor View Terrace
Morganton, NC, 28655 $ 790,000
Bedrooms4 Baths3.0 Sq 3,542 Monthly Estimate*
$ 5,456
for $790,000 with 4 bedrooms and 3 full baths. This 3,542 square foot home was built in 2003 on a lot size of 0.82.
If you've been looking for mountain views, Lake James access, and multi-generational possibilities, this East Shores home delivers. Located in the desired East Shores community, this home offers stunning views of Table Rock and the surrounding Blue Ridge Mountains along with access to the amenities that make East Shores such a desirable place to call home. Residents enjoy deeded boat slips for non-waterfront properties, a community pool, and multi-use sports court. The main level layout is spacious and thoughtfully designed; tall ceilings, built-ins, a dining area framed by classic columns, and a light-filled kitchen. The living room and primary suite both open onto a recently updated TREX deck, creating seamless indoor-outdoor entertaining. Two additional bedrooms, another full bath, and laundry complete the main level. Downstairs, the home's renovated lower level has been transformed into a fully functional second living space. Complete with a full second kitchen, dining area, spacious living room, bedroom with connecting full bath, and private outdoor access, the lower level offers exceptional flexibility for multi-generational living, extended guests, or potential income-producing opportunities. With two flexible-use bonus rooms downstairs you could create a home office, movie room, in-home gym, or personal library. Recent improvements include fresh interior paint, professionally stripped and resealed tile flooring, updated landscaping, and continued care throughout the property. Convenience is optimized. Located approximately 12 minutes from Lake James State Park, 18 minutes from Downtown Morganton, and about 90 minutes from Charlotte. Whether you're looking for a full-time residence, mountain retreat, or a home designed for hosting, this property offers the space and flexibility to align with your needs.
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FeaturesGeneralLiving Area 3542
Sewer Septic Installed
Heating Central Heat Pump
Cooling Central Air Heat Pump
Appliances Dishwasher Electric Range Gas Water Heater Microwave Refrigerator Washer/Dryer
HOA Fee 814
Garage Spaces 2
Construction Materials Hard Stucco
Year Built 2003
View Long Range Mountain(s)
Levels One
Property Subtype Single Family Residence
Parcel Number 1764-24-9985
Waterfront Features Boat Slip (Deed)
Assoc Fee Paid Per Semi-Annually
County Burke
New Construction N
Property Type Residential
HOA Y
Subdivision Name East Shores
Garage Y/N Y
Full Baths 3
High School Freedom
City Morganton
Body of Water Lake James
Association Name East Shores HOA
Senior Community Y/N N
Lot Size Units Acres
Carport Y/N N
Elementary School Glen Alpine
Middle/Junior High School Table Rock
Additional Parcels Y/N N
Virtual Tour https://unbranded.youriguide.com/4639_harbor_view_terrace_morganton_nc/ https://unbranded.youriguide.com/4639_harbor_view_terrace_morganton_nc/
Standard Status Active
Construction Type Site Built
Tax Assessed Value 560184
Listing Terms Cash Conventional FHA USDA Loan VA Loan
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InteriorInterior Amenities Built-in Features Garden Tub Kitchen Island Open Floorplan Storage Walk-In Closet(s) Walk-In Pantry
Basement Apartment Exterior Entry Finished Full Interior Entry Walk-Out Access
Fireplace Features Gas
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 1945
Half Baths 0
Laundry Features In Basement Main Level
Total Bedrooms 4
Below Grade Finished Area 1597
Total Baths 3
SqFt Main 1945
SqFt Lower 0
SqFt Garage 549
SqFt Upper 0
Bedroom 3
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ExteriorParking Features Driveway Attached Garage Garage Faces Side
Water Source Community Well
Lot Size Area 0.82
Foundation Details Basement
Road Surface Type Concrete Paved
Road Responsibility Private Maintained Road
Main Level Garage YN Y
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* Excluded FeaturesAffordability Calculator
- Monthly Principal & Interest
- $5,456
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Morganton, NC
Average List Price $456,105
Percent of Sale Price 42%
About Morganton, NC 17,279 Population
-2% Since 2002
$ 38,119 Median Income
39.41 Median Age
22% Households with Children
Trends Information provided by ATTOM Data Solutions.
2129479 Elementary School
371304 Middle School
Freedom High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/6/2026 | $790,000 | -8.14% | Price Down |
| 8/20/2026 | $860,000 | -2.82% | Price Down |
| 7/20/2026 | $885,000 | -1.12% | Price Down |
| 6/29/2026 | $895,000 | -3.24% | Price Down |
| 5/14/2026 | $925,000 | -2.53% | Price Down |
| 4/24/2026 | $949,000 | -3.65% | Price Down |
| 4/8/2026 | $985,000 | | Listed Price |