4639 Harbor View Terrace

Morganton, NC
$ 860,000 Beds 4 Baths 3 Sq 3,542 Virtual Tour
Monthly Estimate* How much can I afford?

If you've been looking for mountain views, Lake James access, and multi-generational possibilities, this East Shores home delivers. Located in the desired East Shores community, this home offers stunning views of Table Rock and the surrounding Blue Ridge Mountains along with access to the amenities that make East Shores such a desirable place to call home. Residents enjoy deeded boat slips for non-waterfront properties, a community pool, and multi-use sports court. The main level layout is spacious and thoughtfully designed; tall ceilings, built-ins, a dining area framed by classic columns, and a light-filled kitchen. The living room and primary suite both open onto a recently updated TREX deck, creating seamless indoor-outdoor entertaining. Two additional bedrooms, another full bath, and laundry complete the main level. Downstairs, the home's renovated lower level has been transformed into a fully functional second living space. Complete with a full second kitchen, dining area, spacious living room, bedroom with connecting full bath, and private outdoor access, the lower level offers exceptional flexibility for multi-generational living, extended guests, or potential income-producing opportunities. With two flexible-use bonus rooms downstairs you could create a home office, movie room, in-home gym, or personal library. Recent improvements include fresh interior paint, professionally stripped and resealed tile flooring, updated landscaping, and continued care throughout the property. Convenience is optimized. Located approximately 12 minutes from Lake James State Park, 18 minutes from Downtown Morganton, and about 90 minutes from Charlotte. Whether you're looking for a full-time residence, mountain retreat, or a home designed for hosting, this property offers the space and flexibility to align with your needs.

Single Family

  • Price
  • $ 860,000
  • City
  • Morganton
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • BURKE
  • Half Bathrooms
  • 0
  • Area
  • Burke County
  • Lot Size
  • 0.82 Acres
  • Zip
  • 28655
  • Sqr Footage
  • 3,542
  • Year Built
  • 2003
  • Style
  • MLS#
  • 4367035
Listed By: True North Realty; Carmyn@nctruenorthrealty.com
Data Source: Canopy MLS

Features

General

Living Area 3542
Sewer Septic Installed
Heating Central,Heat Pump
Cooling Central Air,Heat Pump
Appliances Dishwasher,Electric Range,Gas Water Heater,Microwave,Refrigerator,Washer/Dryer
HOA Fee 814
Garage Spaces 2
Construction Materials Hard Stucco
Year Built 2003
View Long Range,Mountain(s)
Levels One
Property Subtype Single Family Residence
Parcel Number 1764-24-9985
Waterfront Features Boat Slip (Deed)
Assoc Fee Paid Per Semi-Annually
County Burke
New Construction No
Property Type Residential
HOA Yes
Subdivision Name East Shores
Garage Y/N Yes
Full Baths 3
High School Freedom
City Morganton
Body of Water Lake James
Association Name East Shores HOA
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
Elementary School Glen Alpine
Middle/Junior High School Table Rock
Additional Parcels Y/N No
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Tax Assessed Value 560184
Listing Terms Cash,Conventional,FHA,USDA Loan,VA Loan

Interior Features

Interior Amenities Built-in Features,Garden Tub,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry
Basement Apartment,Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access
Fireplace Features Gas
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 1945
Laundry Features In Basement,Main Level
Total Bedrooms 4
Below Grade Finished Area 1597
Total Baths 3
SqFt Main 1945
SqFt Garage 549
Bedroom 3

Exterior Features

Parking Features Driveway,Attached Garage,Garage Faces Side
Water Source Community Well
Lot Size Area 0.82
Foundation Details Basement
Road Surface Type Concrete,Paved
Road Responsibility Private Maintained Road
Main Level Garage YN Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Hickory, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Glen Alpine Elementary School
Middle School Table Rock Middle School
High School Freedom High School

Price History

4/8/2026 Listed $985,000
4/24/2026 4% - $949,000
5/14/2026 3% - $925,000
6/29/2026 4% - $895,000
7/20/2026 2% - $885,000
8/20/2026 3% - $860,000

Property vs Zip Code Average in 28655

Price
AVG $510K
$860K
Year Built
AVG 1982
2003
Visits
AVG 174
447
Data Provided by Inside Real Estate®

4639 Harbor View Terrace Morganton, NC is a Single Family Home for sale at $860000 with 3542 sqft and a lot size of 0.82 Acres Acre(s). 4639 Harbor View Terrace Morganton has 4 bedrooms, 3 baths and was built in 2003. The property's zip code is 28655 which is in Morganton, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.