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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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4639 Harbor View Terrace , Morganton, NC 28655
$885,000
Est. Payment: $4,560.59/mo
4 Bed
3 Bath
3542 Sqft
Status: active | Days on site: 101
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

If you've been looking for mountain views, Lake James access, and room for everyone to spread out, this East Shores home delivers. Located just second row from Lake James in one of the area's most sought-after communities, this 4-bedroom, 3-bathroom 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, multi-use sports court, and a welcoming neighborhood atmosphere just moments from the lake. Inside, the main level features an open yet thoughtfully designed layout with tall ceilings, built-ins, a dining area framed by classic columns, and a light-filled kitchen designed for everyday living and entertaining. The living room and primary suite both open onto the recently updated TREX deck, creating seamless indoor-outdoor living. Conveniently located just off the main living area, the primary suite includes deck access and a well-appointed bath with a dual vanity and glass shower. 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 en-suite bath, craft room, bonus room, and private walk-out access, the lower level offers exceptional flexibility for multi-generational living, extended guests, or potential income-producing opportunities. Recent improvements include fresh interior paint, professionally stripped and resealed tile flooring, updated landscaping, and continued care throughout the property. Located approximately 12 minutes from Lake James State Park, 18 minutes from Downtown Morganton, and about 90 minutes from Charlotte, this home offers the perfect balance of mountain living, lake recreation, and everyday convenience. Whether you're looking for a full-time residence, mountain retreat, or a home designed for hosting family and friends, this property offers the space, flexibility, and Lake James lifestyle that's becoming increasingly difficult to find.

Highlights

Listed by Carmyn Shugart , 828-449-9093 True North Realty , 828-307-0099. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.82

HOA Fee

814 Semi-Annually

Year Built

2003

County

Burke

Neighborhood

East Shores

Listing ID

4367035

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Electric Range, Gas Water Heater, Microwave, Refrigerator, Washer/Dryer
Air Cond:Central Air,Heat Pump
Fireplaces:Gas
Above Ground Sq Ft:1945
Below Ground Sq Ft:1597
Basement:Apartment,Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access
Other:Has Fireplace,Master on Main
Other:Community Well

Exterior Features

Lot:Boat Slip (Deed)
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Faces Side
Principal Interest
$4,561
Taxes
$564
HOA
$814

Home Price

$885,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$177,000
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:
$4,560.59

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,560.59 $564.19 $814.00 $5,938.77
Yearly $54,727.05 $6,770.25 $9,768.00 $71,265.30
Total $1,641,811.39 $203,107.50 $293,040.00 $2,137,958.89

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: 2026-08-02T05:59:06.000Z

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