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

$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*
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Home Highlights

Single-Family Home
Built in 1995
0.78 acre lot
$268/sqft
2 Car Garage
HOA $169/mo

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!*
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

Home Details for 4634 Harbor View Ter

Active Status

MLS Status: Active

Interior Features

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

Exterior Features

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

Days on Market

Cumulative Days on Market: 189Days on Market: 61

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)

Around this home

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 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.
  • 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. "

Market trends in Morganton

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$270K
$9.83K
MoM
Sale-to-List Price
Price per sq ft
$179
$3
MoM
Available listings
221
19
MoM

Home Value

Trulia Estimate
$776K
Since 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
MonthEstimated 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

DateEventPrice
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%

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.