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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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4634 Harbor View Terrace , Morganton, NC 28655
$789,900
Est. Payment: $4,070.52/mo
3 Bed
3 Bath
2947 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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

Listed by Zac Campbell , 919-815-6197 DASH Carolina , 704-285-1502. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.78

HOA Fee

1014 Semi-Annually

Year Built

1995

County

Burke

Neighborhood

East Shores

Listing ID

4407190

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Electric Oven, Microwave
Air Cond:Ceiling Fan(s),Central Air
Fireplaces:Gas Log,Living Room
Above Ground Sq Ft:2947
Below Ground Sq Ft:0
Basement:Interior Entry,Multiple Below-Grade Levels,Storage Space
Other:Has Fireplace,Master on Main
Other:Community Well

Exterior Features

Lot:Waterfront,Boat Slip – Community
Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Side
Principal Interest
$4,071
Taxes
$504
HOA
$1,014

Home Price

$789,900

Loan Details

30 yrs
6.683%

Down Payment

20%
$157,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,070.52

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,070.52 $503.56 $1,014.00 $5,588.08
Yearly $48,846.21 $6,042.74 $12,168.00 $67,056.94
Total $1,465,386.23 $181,282.05 $365,040.00 $2,011,708.28

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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Market insight data is pulled from the same city as the listing being viewed (Morganton, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-01T18:02:06.000Z

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