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Property Description
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 below!* https://media.zillowmediaexperts.com/sites/eeekpvn/unbranded
Full Property Details
Full Property Details for 4634 Harbor View Terrace
General
- Price: $849,000
- HOA FEE: $169/month
- HOA FEE FREQ.: Semi-Annually
- Status: Active
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4340012
- Updated: 1/29/2026
- Added to Site: 1 day(s) ago
Interior
- Fireplace: Yes
- Fireplace(s): Gas Log, Living Room, Gas Log, Living Room
- Appliances: Dishwasher, Electric Oven, Microwave
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
- Main - Full Baths: 2
- Lower - Full Baths: 1
Bedrooms
- Total Bedrooms: 3
- Bedrooms Main & Up: 3
Other Rooms
- Laundry: Laundry Room
Additional Information
- Shared Amenities: Clubhouse, Lake Access, Outdoor Pool, Tennis Court(s)
- Pool: Yes
Parking
- Garage: Yes
- Garage Spaces: 2
- Parking Features: Driveway, Attached Garage, Garage Door Opener, Garage Faces Side
Location
- County: Burke
- Subdivision: East Shores
- Driving Directions: Follow I-85 S, US-321 N and I-40 to Reep Dr in Burke County. Take exit 100 from I-40. Continue on Reep Dr. Take US-70 W, Powerhouse Rd and Conley Bumgarner Rd to Harbor View Terrace.
School Information
- Elementary School: Glen Alpine
- Middle School: Table Rock
- High School: Freedom
Community
- Assoc. Name: East Shores HOA
Heating & Cooling
- Cooling Type: Ceiling Fan(s), Central Air
- Heating Type: Forced Air
Utilities
- Sewer: Septic Installed
- Water: Community Well
Structural Information
- Construction: Site Built
- Exterior Const.: Brick Full
- Basement: Yes
- Basement Desc.: Interior Entry, Storage Space
- Roof: Architectural Shingle
- Lower: 1,093 Sq. Ft.
- Main/1st Level: 1,854 Sq. Ft.
- Year Built: 1995
Lot Features
- Street/Road Desc.: Concrete, Paved
- Lot Features: Waterfront
Water Features
- Water Front Name: Lake James
Financial Considerations
- Association Fee: $1,014
- Assoc Fee Freq.: Semi-Annually
- Terms: Cash, Conventional, FHA, VA Loan
Disclosures and Reports
- Property ID: 49887
- Lot Number: --
Listed by DASH Carolina
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Schools
Schools serving 4634 Harbor View Terrace
School District:Burke County Schools
| Name | Grades | Distance |
|---|---|---|
Glen Alpine Elementary 302 London Street, Morganton, NC 28655 | PK-5 | 3.7 mi |
Table Rock Middle 1585 North Carolina 126, Morganton, NC 28655 | 6-8 | 3.1 mi |
Freedom High 511 Independence Boulevard, Morganton, NC 28655 | 9-12 | 6 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4634 Harbor View Terrace
Date
Details
Price
Change
Source
1/29/2026
Listed
$849,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 4634 Harbor View Terrace
Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,697
-1%
$703,066
—
2023
$4,728
21%
$703,066
46%
2022
$3,906
—
$481,033
—
2021
$3,900
—
$481,033
—
2020
$3,896
3%
$481,033
—
2019
$3,800
21%
$481,033
22%
2018
$3,149
—
$394,388
—
2017
$3,151
2%
$394,388
—
2016
$3,089
—
$394,388
—
2015
$3,089
3%
$394,388
—
2014
$3,011
-1%
$394,388
—
2013
$3,027
—
$394,388
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4634 Harbor View Terrace
4634 Harbor View Terrace, Morganton, NC 28655 (MLS# 4340012) is a Single Family property with 3 bedrooms and 3 full bathrooms. 4634 Harbor View Terrace is currently listed for $849,000 and was received on January 29, 2026. Want to learn more about 4634 Harbor View Terrace? Do you have questions about finding other Single Family real estate for sale in Morganton? You can browse all Morganton real estate or contact a Coldwell Banker agent to request more information.

