4634 Harbor View Terrace Morganton, NC $ 789,900
4634 Harbor View Terrace
$ 789,900
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4634 Harbor View Terrace

Morganton, NC, 28655
$ 789,900
Bedrooms3 Baths3.0 Sq 2,947

Monthly Estimate*

$ 5,456

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Single Family Home for sale in Morganton, NC

for $789,900 with 3 bedrooms and 3 full baths. This 2,947 square foot home was built in 1995 on a lot size of 0.78.

Back on the market at no fault of the seller or condition of the home (buyers changed their mind about moving). 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 in agent remarks!*

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Single Family Active

Price

$ 789,900

Bedrooms

3

Full Bath

3

Property Type

Single Family

Taxes

$ 0

Style

Lot Size

0.78

Year Built

1995

Town/City

Morganton

County/Region

Burke

MLS | Web ID

4407190

Features
General
Living Area 2947
Sewer Septic Installed
Heating Forced Air
Cooling Ceiling Fan(s) Central Air
Roof Architectural Shingle
Appliances Dishwasher Electric Oven Microwave
HOA Fee 1014
Garage Spaces 2
Patio/Porch Features Deck
Construction Materials Brick Full
Exclusions Chandelier in living room
Year Built 1995
View Water
Levels One
Property Subtype Single Family Residence
Parcel Number 49887
Waterfront Features Boat Slip – Community Boat Slip (Deed)
Community Features Clubhouse Lake Access Outdoor Pool Tennis Court(s)
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
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.
High School Freedom
City Morganton
Body of Water Lake James
Association Name East Shores HOA
Senior Community Y/N N
Open Parking Spaces 2
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://www.zillow.com/view-imx/6ccbe55a-05a7-43f8-a222-948a8c4c073e?wl=true&setAttribution=mls&initialViewType=pano https://www.zillow.com/view-imx/6ccbe55a-05a7-43f8-a222-948a8c4c073e?wl=true&setAttribution=mls&initialViewType=pano
Standard Status Active
Construction Type Site Built
Tax Assessed Value 703066
Listing Terms Cash Conventional FHA VA Loan
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Interior
Basement Exterior Entry Finished Interior Entry Multiple Below-Grade Levels Storage Space Walk-Out Access
Fireplace Features Gas Log Living Room
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 2947
Half Baths 0
Laundry Features Laundry Room
Total Bedrooms 3
Below Grade Finished Area 0
Total Baths 3
SqFt Main 1854
SqFt Lower 1093
SqFt Upper 0
Bedroom 3
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Exterior
Parking Features Driveway Attached Garage Garage Door Opener Garage Faces Side
Lot Features Waterfront
Water Source Community Well
Lot Size Area 0.78
Foundation Details Basement
Road Surface Type Concrete Paved
Road Responsibility Private Maintained Road
Main Level Garage YN Y
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Internal Only
Street Number 1 4634
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* Excluded Features
List By
Dash Carolina

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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.
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Nearby
2129479 Elementary School
371304 Middle School
Freedom High School High School
Pricing History
DatePricePrice ChangeDescription
7/23/2026$789,900 Listed Price

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4634 Harbor View Terrace, Morganton, NC, 28655 is a Single Family Home for sale at $789,900 with 2,947 sqft and a lot size of 0.78. 4634 Harbor View Terrace has 3 bedrooms, 3.0 baths, and was built in 1995. The property's zip code is 28655 which is in Morganton, NC