Single Family Residence at 4634 Harbor View Terrace, Morganton
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$789,900

4634 Harbor View Terrace
Morganton, NC 28655
Listed by Zac Campbell · DASH Carolina
Bedrooms
3
Bathrooms
3
Living area
2,947 sqft
Year built
1995

About this home

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!*

Highlights

Fireplace

Property details

MLS
Canopy MLS
MLS #
CAR4407190
Property type
Single Family Residence
Subdivision
East Shores
Status
Active
Days on market
49
On market date
July 23, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Glen Alpine Elementary
3.65 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
3.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
329
Student:teacher ratio
14.3:1
District
Burke County Schools
Middle
Table Rock Middle
3.04 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
2.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
560
Student:teacher ratio
16.5:1
District
Burke County Schools
High
Burke Middle College
8.01 mi away · Grades 11-12
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
128
Student:teacher ratio
42.7:1
District
Burke County Schools

Walkability

Blended score for Morganton's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

15
Very car-dependent
out of 100
EPA National Walkability Index
3.7 / 20 -- Least walkable
Google Places amenity density
10 / 100
Restaurants & cafes0
Grocery stores0
Parks2
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Morganton, from live MLS data.

On the market 49 days -- 193 fewer days than Morganton's current average of 242 days.
For reference, the median list price across 479 active listings in Morganton right now is $229,900.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
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/mo
Est. monthly payment
$4,907/mo
$157,980 down
$631,920 loan
Principal & interest$4,099
Property tax (est.)$658
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated September 10, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.