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!*
Under contract-no show
Price cut: $20K (5/1)
$829,000
4634 Harbor View Ter, Morganton, NC 28655
3beds
2,947sqft
Single Family Residence
Built in 1995
0.78 Acres Lot
$788,100 Zestimate®
$281/sqft
$169/mo HOA
What's special
Finished lower levelTrue main-level livingExceptional lake viewsWalk-in showerRanch-style lakefront homeWalk-in closetRelaxing whirlpool tub
- 155 days |
- 586 |
- 17 |
Zillow last checked:
Listing updated:
Listed by:
Zac Campbell zac.campbell@dashnc.com,
DASH Carolina
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4340012
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: Interior Entry,Storage Space
- 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
- Pool features: Community
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Slip – Community, 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: $281/sqft
- Tax assessed value: $703,066
- Annual tax amount: $4,697
- Date on market: 1/29/2026
- Cumulative days on market: 154 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Exclusions: Chandelier in living room
- Road surface type: Concrete, Paved
Estimated market value
$788,100
$749,000 - $828,000
$2,834/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/19/2026 | Pending sale | $829,000$281/sqft |
Source:  Canopy MLS as distributed by MLS GRID #4340012 Report a problem | ||
| 5/1/2026 | Price change | $829,000-2.4%$281/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 Report a problem | ||
| 1/29/2026 | Listed for sale | $849,000+9.7%$288/sqft |
Source: Canopy MLS as distributed by MLS GRID #4340012 Report a problem | ||
| 11/5/2021 | Listing removed | -- |
Source: Canopy MLS as distributed by MLS GRID #3765892 Report a problem | ||
| 7/23/2021 | Listed for sale | $774,000+21%$263/sqft |
Source: Canopy MLS as distributed by MLS GRID #3765892 Report a problem | ||
| 2/28/2021 | Listing removed | -- |
Source: Owner Report a problem | ||
| 9/17/2020 | Listing removed | $3,000$1/sqft |
Source: Owner Report a problem | ||
| 9/6/2020 | Price change | $3,000-6.3%$1/sqft |
Source: Owner Report a problem | ||
| 8/17/2020 | Listed for rent | $3,200$1/sqft |
Source: Owner Report a problem | ||
| 11/29/2018 | Listing removed | $639,500$217/sqft |
Source: Coldwell Banker Newton Real Estate, Inc. #32681 Report a problem | ||
| 9/9/2018 | Listed for sale | $639,500+26.6%$217/sqft |
Source: Coldwell Banker Newton Real Estate #32681 Report a problem | ||
| 6/2/2005 | Sold | $505,000$171/sqft |
Source: Public Record Report a problem | ||
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 | $394,388 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 28655
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- 7/10Glen Alpine ElementaryGrades: PK-5Distance: 3.7 mi
- 7/10Table Rock MiddleGrades: 6-8Distance: 3 mi
- 4/10Freedom HighGrades: 9-12Distance: 6 mi
Schools provided by the listing agent
- Elementary: Glen Alpine
- Middle: Table Rock
- High: Freedom
Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- North Carolina
- Burke County
- Morganton
- 28655
- 4634 Harbor View Ter
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