4634 Harbor View Ter, Morganton, NC 28655
What's special
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!*
- 72 days |
- 885 |
- 50 |
Travel times
Family Room
Kitchen
Primary Bedroom
Zillow last checked:
Listing updated:
Zac Campbell zac.campbell@dashnc.com,
DASH Carolina
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 3
Primary bedroom
- Level: Main
- Area: 163.13 Square Feet
- Dimensions: 14' 6" X 11' 3"
Bedroom s
- Level: Main
- Area: 117.72 Square Feet
- Dimensions: 13' 1" X 9' 0"
Bedroom s
- Level: Main
- Area: 164.71 Square Feet
- Dimensions: 13' 0" X 12' 8"
Bonus room
- Level: Lower
- Area: 229.13 Square Feet
- Dimensions: 14' 2" X 16' 2"
Den
- Level: Lower
- Area: 699.48 Square Feet
- Dimensions: 25' 10" X 27' 1"
Dining room
- Level: Main
- Area: 192.2 Square Feet
- Dimensions: 11' 5" X 16' 10"
Kitchen
- Level: Main
- Area: 226.6 Square Feet
- Dimensions: 11' 4" X 20' 0"
Living room
- Level: Main
- Area: 256.79 Square Feet
- Dimensions: 14' 4" X 17' 11"
Heating
- Forced Air
Cooling
- Ceiling Fan(s), Central Air
Appliances
- Included: Dishwasher, Electric Oven, Microwave
- Laundry: Laundry Room
Features
- Basement: Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
- Fireplace features: Gas Log, Living Room
Interior area
- Total structure area: 2,947
- Total interior livable area: 2,947 sqft
- Finished area above ground: 2,947
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Driveway, Attached Garage, Garage Door Opener, Garage Faces Side, Garage on Main Level
- Attached garage spaces: 2
- Uncovered spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Pool features: Community
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Slip – Community, Boat Slip (Deed), Waterfront
- Body of water: Lake James
Lot
- Size: 0.78 Acres
Details
- Parcel number: 49887
- Zoning: R-3
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Brick Full
Condition
- New construction: No
- Year built: 1995
Utilities & green energy
- Sewer: Septic Installed
- Water: Community Well
Community & HOA
Community
- Features: Clubhouse, Lake Access, Tennis Court(s)
- Subdivision: East Shores
HOA
- Has HOA: Yes
- HOA fee: $1,014 semi-annually
- HOA name: East Shores HOA
Location
- Region: Morganton
Financial & listing details
- Price per square foot: $268/sqft
- Tax assessed value: $703,066
- Annual tax amount: $4,697
- Date on market: 7/23/2026
- Cumulative days on market: 212 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Exclusions: Chandelier in living room
- Road surface type: Concrete, Paved
Price history
| Date | Event | Price |
|---|---|---|
| 7/23/2026 | Listed for sale | $789,900$268/sqft |
Source:  Canopy MLS as distributed by MLS GRID #4407190 | ||
| 7/23/2026 | Listing removed | $789,900$268/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 | ||
| 7/23/2026 | Price change | $789,900-4.7%$268/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 | ||
| 6/19/2026 | Pending sale | $829,000$281/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 | ||
| 5/1/2026 | Price change | $829,000-2.4%$281/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 | ||
| 1/29/2026 | Listed for sale | $849,000+9.7%$288/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 | ||
| 11/5/2021 | Listing removed | -- |
Source: Canopy MLS as distributed by MLS GRID #3765892 | ||
| 7/23/2021 | Listed for sale | $774,000+21%$263/sqft |
Source: Canopy MLS as distributed by MLS GRID #3765892 | ||
| 2/28/2021 | Listing removed | -- |
Source: Owner | ||
| 9/17/2020 | Listing removed | $3,000$1/sqft |
Source: Owner | ||
| 9/6/2020 | Price change | $3,000-6.3%$1/sqft |
Source: Owner | ||
| 8/17/2020 | Listed for rent | $3,200$1/sqft |
Source: Owner | ||
| 11/29/2018 | Listing removed | $639,500$217/sqft |
Source: Coldwell Banker Newton Real Estate, Inc. #32681 | ||
| 9/9/2018 | Listed for sale | $639,500+26.6%$217/sqft |
Source: Coldwell Banker Newton Real Estate #32681 | ||
| 6/2/2005 | Sold | $505,000$171/sqft |
Source: Public Record | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,697 -0.7% | $703,066 |
| 2024 | $4,728 | $703,066 |
| 2023 | $4,728 +21% | $703,066 +46.2% |
| 2022 | $3,906 +0.2% | $481,033 |
| 2021 | $3,900 +0.1% | $481,033 |
| 2020 | $3,896 +10968.8% | $481,033 |
| 2019 | $35 -98.9% | $481,033 +22% |
| 2018 | $3,149 +1.9% | $394,388 |
| 2017 | $3,089 | $394,388 |
| 2016 | $3,089 +0% | $394,388 |
| 2015 | $3,089 | $394,388 |
Find assessor info on the county website
Monthly payment
Estimated market value
$777,800
$739,000 - $817,000
$2,679/mo
Climate risks
Explore flood, wildfire, and other predictive climate risk information for this property on First Street®️.