4634 Harbor View Ter, Morganton, NC 28655
Property image
Property image
FOR SALE
3D VIEW
0.78 ACRES

4634 Harbor View Ter
Morganton, NC 28655

  • 3 Beds
  • 3 Baths
  • 2,947 sqft (on 0.78 acres)

$789,900

Est. Mortgage $4,704/mo*

$789,900

Est. Mortgage $4,704/mo*
3 Beds
3 Baths
2,947 sqft
(on 0.78 acres)

Home Highlights

Parking
2 Car Garage
Climate Control
Heating & Cooling
HOA
$169/Monthly
Price/Sqft
$268
Listed
7 days ago

Local Information

  • Map ViewExplore the area around 4634 Harbor View Ter.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

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!*

Home Details for 4634 Harbor View Ter

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Interior Entry,Storage SpaceNumber of Rooms: 8Types of Rooms: Primary Bedroom, Bedroom S, Bonus Room, Den, Dining Room, Kitchen, Living Room
Beds & Baths
Number of Bedrooms: 3Main Level Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 3
Dimensions and Layout
Living Area: 2947 Square Feet
Appliances & Utilities
Appliances: Dishwasher, Electric Oven, MicrowaveDishwasherLaundry: Laundry RoomMicrowave
Heating & Cooling
Heating: Forced AirHas CoolingAir Conditioning: Ceiling Fan(s),Central AirHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
Fireplace: Gas Log, Living Room
Levels, Entrance, & Accessibility
Stories: 1.5Levels: One and One Half
View
Has a ViewView: Water

Exterior Features

Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Open Parking Spaces: 2No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 4Parking: Driveway,Attached Garage,Garage Door Opener,Garage Faces Side,Garage on Main Level
Pool
Pool: Community
Frontage
WaterfrontWaterfront: Boat Slip – Community, WaterfrontResponsible for Road Maintenance: Private Maintained RoadRoad Surface Type: Concrete, PavedOn Waterfront
Water & Sewer
Sewer: Septic InstalledWater Body: Lake James
Surface & Elevation
Elevation Units: Feet
Finished Area
Finished Area (above surface): 2947 Square Feet

Days on Market

Cumulative Days on Market: 141Days on Market: 7

Property Information

Year Built
Year Built: 1995
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family Residence
Building
Construction Materials: Brick FullNot a New ConstructionNo Additional Parcels
Property Information
Not Included in Sale: Chandelier in living roomParcel Number: 49887

Price & Status

Price
List Price: $789,900Price Per Sqft: $268

Location

Direction & Address
City: MorgantonCommunity: East Shores
School Information
Elementary School: Glen AlpineJr High / Middle School: Table RockHigh School: Freedom

Agent Information

Listing Agent
Listing ID: 4407190

Building

Building Area
Building Area: 2947 Square Feet

Community

Community Features: Clubhouse, Lake Access, Tennis Court(s)Not Senior Community

HOA

HOA Name: East Shores HOAHas an HOAHOA Fee: $1,014/Semi-Annually

Lot Information

Lot Area: 0.78 acres

Listing Info

Special Conditions: Standard

Offer

Listing Terms: Cash, Conventional, FHA, VA Loan

Miscellaneous

BasementMls Number: 4407190Water ViewWater View: WaterAttribution Contact: zac.campbell@dashnc.comAbove Grade Unfinished Area: 2947

Additional Information

ClubhouseLake AccessTennis Court(s)
Last check for updates: about 20 hours ago
Listing Provided by: Zac Campbell
DASH Carolina
Source: Canopy MLS as distributed by MLS GRID, MLS#4407190

Market trends in Morganton

Last updated June 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$241K
$8.33K
MoM
Sale-to-List Price
Price per sq ft
$161
$2
MoM
Available listings
198
22
MoM

Price History for 4634 Harbor View Ter

DatePriceEventSource
07/23/2026$789,900Listed For SaleCanopy MLS as distributed by MLS GRID #4407190
07/23/2026$789,900ListingRemovedCanopy MLS as distributed by MLS GRID #4340012
07/23/2026$789,900PriceChange
Canopy MLS as distributed by MLS GRID #4340012
06/19/2026$829,000PendingCanopy MLS as distributed by MLS GRID #4340012
05/01/2026$829,000PriceChange
Canopy MLS as distributed by MLS GRID #4340012
01/29/2026$849,000Listed For SaleCanopy MLS as distributed by MLS GRID #4340012
11/05/2021ListingRemovedCanopy MLS as distributed by MLS GRID #3765892
07/23/2021$774,000Listed For SaleCanopy MLS as distributed by MLS GRID #3765892
02/28/2021ListingRemovedN/A
09/17/2020$3,000ListingRemovedN/A
09/06/2020$3,000PriceChange
N/A
08/17/2020$3,200Listed For RentN/A
11/29/2018$639,500ListingRemovedAgent Provided
09/09/2018$639,500Listed For SaleAgent Provided
06/02/2005$505,000Sold
N/A

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Property Tax and Assessment

Year2025
Tax$4,697
Assessment$703,066
Home facts updated by county records

Comparable Sales for 4634 Harbor View Ter

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
0.22
Single-Family Home
$410,000
06/16/26
3
3
2,028
0.13
Single-Family Home
$762,500
12/31/25
3
2.5
3,408
0.59
Single-Family Home
$720,000
10/30/25
4
2.5
2,700
0.45
Single-Family Home
$1,595,000
06/30/26
3
3.5
2,701
0.55
Single-Family Home
$625,000
04/27/26
3
2
1,951
0.62
Single-Family Home
$1,077,500
07/09/26
3
2.5
3,793
0.33
Single-Family Home
$1,723,000
09/30/25
3
3.5
4,647

Nearby homes

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Assigned Schools

These are the assigned schools for 4634 Harbor View Ter.
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Morganton

At least 148 Trulia users voted on each feature.
  • 84 % Say parking is easy

  • 81 % Say yards are well-kept

  • 80 % Say car is needed

  • 72 % Say it's dog friendly

  • 66 % Say there's holiday spirit

  • 58 % Say they plan to stay for at least 5 years

  • 58 % Say it's quiet

  • 58 % Say kids play outside

  • 52 % Say people would walk alone at night

  • 51 % Say there's wildlife

  • 49 % Say neighbors are friendly

  • 49 % Say streets are well-lit

  • 34 % Say it's walkable to restaurants

  • 33 % Say there are sidewalks

  • 32 % Say it's walkable to grocery stores

  • 29 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Ashleyjay1125
    "Morganton is small but it’s quite not a lot of crime, with a country like setting most anywhere you live. "
  • Schafincow13
    "Great friendly people . Always something to do down town. Live bands you can hear from the house. Breweries near by. Movie theatre. Down town Morganton does trick r treating and also the churches do trunk r treating. We have an actual witch that lives near by. There are dog parks that you can take your fury friend to. Several festivals near by. Firework display in parks and other town close by."
  • Prkrrp
    "We have lots of festivals throughout the year. Our town has several parades to celebrate different holidays. We several parks in the community that support local sports and out door activities. Lake James is also close by. Lake James is good for fishing, swimming and boating. "
  • Lisa B.
    "lots of dogs in the neighborhood. people clean up after pets. leashes used. it's a dog friendly community. "
  • Kellyrae0928
    "There is Tons of trails to walk, dog parks and greenway tracks! Most businesses are also dog friendly."
  • Bananasrock84
    "I feel very safe in my neighborhood. The neighbors are very friendly and helpful. I've never had to worry about my mail or packages going missing."
  • Shelly S.
    "We have a good community, low crime rate and genuinely nice friendly people. I know all of my neighbors, and we all try to lend a helping hand when needed. We may not live in Mayberry but we have a small town feel. "
  • Brandi N. P.
    "I live in Morganton in the Parkview Apartments and it is wonderful. Upkeep is always done in a timely manor, I feel safe at home. Really quiet neighborhood, walking distance to Bethel Park. Clean. Nice neighbors that become friends, we love it!"
  • Trulia User
    "I have lived in Morganton all of my life. It is a great place to live with lots of Southern charm. Small town environment meets the rural South."
  • Ryanpatrickpage
    "Great people! No crime in my neighborhood. Park nearby with dog park. Plenty of places to grocery shop."
  • Sleepinbeauty305
    "I dont have kids so I have no idea. So sorry. It is how ever a good neighborhood and neighbors are friendly."
  • Sherry.young
    "Friday night Concerts on the square in downtown Morganton. Cute shops, restaurants and parks close by too. "
  • kevinsimpsondc
    "I own a downtown condo with my wife. We both grew up in Morganton, both love it and both hope to retire and move back to Morganton! It's a great place to raise a family and offers many options for how the parents want to raise their children. Overall, you will get from it what you put into it..."
  • Dameronlyon
    "It's quiet peacefull,besides k9ds playing nearby at the school and in my neighborhood.Near the mountains and beautiful sights yet also close to town and shopping "
  • Lyssaleigh1972
    "My husband retired from the navy, 20 year service and we moved here from Norfolk Virginia. It was difficult at first but we’ve been here for about 4 years now and I love it. My son goes to New Dimensions, best school in my opinion. We are looking for our forever home here in Morganton. "
  • Lyssa L.
    "easy access to everything. Interstate, shopping, movies, restaurants, brewing..ect. I have lived for about 4 years and I love it. The people are diverse and nice. good school and nice parks. "
  • Lindsay S.
    "There are very few rentals allowing dogs. However, dogs are fairly common and accepted in this neighborhood. "

LGBTQ Local Legal Protections

Zac Campbell, DASH Carolina
Based on information submitted to the MLS GRID as of 2026-07-29 12:23:12 PDT. 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. Some IDX listings have been excluded from this website. Click here for more information
4634 Harbor View Ter, Morganton, NC 28655 is a 3 bedroom, 3 bathroom, 2,947 sqft single-family home built in 1995. This property is currently available for sale and was listed by Canopy MLS as distributed by MLS GRID on Jul 23, 2026. The MLS # for this home is MLS# 4407190.