$789,900
- 3 Beds
- 3 Baths
- 2,947 sqft (on 0.78 acres)
4634 Harbor View Ter, Morganton, NC 28655
Est. Mortgage $4,902/mo*
Get Pre-QualifiedHome Highlights
Single-Family Home
Built in 1995
0.78 acre lot
$268/sqft
2 Car Garage
HOA $169/mo
Local Information
-- mins to
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!*
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!*
Last check for updates: about 4 hours ago
Listing Provided by: Zac Campbell
DASH Carolina
Source: Canopy MLS as distributed by MLS GRID, MLS#4407190

Also Listed on Canopy MLS as distributed by MLS GRID.
Home Details for 4634 Harbor View Ter
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MLS Status: Active |
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Interior Details Basement: Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out AccessNumber 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: 1Levels: One |
View Has a ViewView: Water |
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Exterior Home Features Patio / Porch: Deck |
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, Boat Slip (Deed), 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 |
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Cumulative Days on Market: 189Days on Market: 61 |
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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 |
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Price List Price: $789,900Price Per Sqft: $268 |
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Direction & Address City: MorgantonCommunity: East Shores |
School Information Elementary School: Glen AlpineJr High / Middle School: Table RockHigh School: Freedom |
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Listing Agent Listing ID: 4407190 |
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Building Area Building Area: 2947 Square Feet |
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Community Features: Clubhouse, Lake Access, Tennis Court(s)Not Senior Community |
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HOA Name: East Shores HOAHas an HOAHOA Fee: $1,014/Semi-Annually |
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Lot Area: 0.78 acres |
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Special Conditions: Standard |
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Listing Terms: Cash, Conventional, FHA, VA Loan |
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BasementMls Number: 4407190Water ViewWater View: WaterAttribution Contact: zac.campbell@dashnc.comAbove Grade Unfinished Area: 2947 |
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ClubhouseLake AccessTennis Court(s) |
Around this home
What Locals Say about Morganton
At least 149 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
67 % 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.
Market trends in Morganton
Last updated August 2026
Avg. sale price
$270K
$9.83KMoM
Sale-to-List Price
—
Price per sq ft
$179
$3MoM
Available listings
221
19MoM
Home Value
Trulia Estimate
$776KSince last month
Decreased$2K (-0.2%)Since last year
Decreased$155K (-16.9%)Since last sale
Increased$255K (+50.5%)Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.
Trulia Estimate
The of this home's value increased by +50% in the last 10 years
| Month | Estimated value |
|---|---|
2026 | |
| September 2026 | $760K |
| August 2026 | $761K |
| July 2026 | $762K |
| June 2026 | $791K |
| May 2026 | $793K |
| April 2026 | $811K |
| March 2026 | $811K |
| February 2026 | $814K |
| January 2026 | $885K |
2025 | |
2024 | |
2023 | |
2022 | |
2021 | |
2020 | |
2019 | |
2018 | |
2017 | |
2016 | |
Comparable sales
These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.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 | |
0.60 | Single-Family Home | $565,000 | 08/17/26 | 3 | 3.5 | 2,706 | |
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 | 2.5 | 4,647 |
Nearby home prices
Get a sense of expected prices in the area by checking the value of nearby homes.Address | Distance | Price | Bed | Bath | Sqft | Status |
|---|---|---|---|---|---|---|
0.11 | $99,900 | - | - | - | For Sale | |
0.10 | $860,000 | 4 | 3 | 3,542 | For Sale | |
0.11 | - | - | - | - | Off Market | |
0.12 | $1,586,700 | 4 | 3.5 | 4,702 | Off Market | |
0.13 | $762,500 | 3 | 2.5 | 3,408 | Recently Sold | |
0.22 | $410,000 | 3 | 3 | 2,028 | Recently Sold | |
0.20 | $693,000 | 2 | 2 | 1,451 | Recently Sold | |
0.26 | $360,300 | 3 | 2.5 | 2,079 | Off Market | |
0.24 | $23,000 | - | - | - | Recently Sold | |
0.26 | $470,900 | 2 | 1 | 1,167 | Off Market | |
0.33 | $849,600 | 3 | 3 | 3,101 | Off Market |
Price and Tax history
| Date | Event | Price |
|---|---|---|
Jul 23, 2026 Source: Canopy MLS as distributed by MLS GRID #4407190 | Listed For Sale | $789,900 |
Jul 23, 2026 Source: Canopy MLS as distributed by MLS GRID #4340012 | ListingRemoved | $789,900 |
Jul 23, 2026 Source: Canopy MLS as distributed by MLS GRID #4340012 | PriceChange | $789,900 Price decreased by 5% |
Jun 19, 2026 Source: Canopy MLS as distributed by MLS GRID #4340012 | Pending | $829,000 |
May 1, 2026 Source: Canopy MLS as distributed by MLS GRID #4340012 | PriceChange | $829,000 Price decreased by 2% |
Jan 29, 2026 Source: Canopy MLS as distributed by MLS GRID #4340012 | Listed For Sale | $849,000 |
Nov 5, 2021 Source: Canopy MLS as distributed by MLS GRID #3765892 | ListingRemoved | |
Jul 23, 2021 Source: Canopy MLS as distributed by MLS GRID #3765892 | Listed For Sale | $774,000 |
Feb 28, 2021 Source: N/A | ListingRemoved | |
Sep 17, 2020 Source: N/A | ListingRemoved | $3,000 |
Sep 6, 2020 Source: N/A | PriceChange | $3,000 Price decreased by 6% |
Aug 17, 2020 Source: N/A | Listed For Rent | $3,200 |
Nov 29, 2018 Source: Agent Provided | ListingRemoved | $639,500 |
Sep 9, 2018 Source: Agent Provided | Listed For Sale | $639,500 |
Jun 2, 2005 Source: N/A | Sold | $505,000 |
| Year | Property tax | Tax assessment |
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| 2025 | $4,697 | $703,066 |
Home facts updated by county records
LGBTQ Local Legal Protections
LGBTQ Local Legal Protections
Zac Campbell, DASH Carolina

Based on information submitted to the MLS GRID as of 2026-09-22 09:18:19 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
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Frequently asked questions about 4634 Harbor View Ter
- What is the estimated monthly payment for 4634 Harbor View Ter?Based on a $789,900 list price with 20% down at today's rates, the estimated monthly payment for 4634 Harbor View Ter in Morganton, NC is approximately $4,767 (about $4,264 principal & interest, $428 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
- How does the list price for 4634 Harbor View Ter compare to homes in Morganton?4634 Harbor View Ter in Morganton, NC is listed at $789,900, about 193% above the $270K median sale price in Morganton.
- What do residents say about Morganton?Residents describe Morganton, NC as easy to park in, well-kept, and dog-friendly. Most residents say you need a car. See homes for sale in Morganton, NC.
- What are the closest schools to 4634 Harbor View Ter?The closest schools to 4634 Harbor View Ter in Morganton, NC are Freedom High (rated 4/10), Glen Alpine Elementary (Pre-K, rated 7/10), Table Rock Middle (rated 7/10).
- Does 4634 Harbor View Ter have air conditioning?Yes, 4634 Harbor View Ter in Morganton, NC has air conditioning.
- Does 4634 Harbor View Ter have a pool?Yes, 4634 Harbor View Ter in Morganton, NC has a pool.
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.

