About This Home

This 4-bedroom, 3-bathroom single family at 4639 Harbor View Terrace in Morganton, NC is listed for $860,000 ($243 per sqft). Built in 2003, the home offers 3,542 sqft of living space on a 0.82 acres lot.

Key Features

  • Built in 2003
  • 0.82 acre lot
  • Fireplace

Property Details

1 story
3 full
2-car garage
2003

Amenities

FireplaceA/C
Listing Description

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.

Monthly Cost Estimate

$5,413/mo

20% down · 6.5% · 30 years

Principal$622
Interest$3,727
Insurance$251
HOA$814

Estimates only. Actual payments may vary.

Location

4639 Harbor View Terrace

Morganton, NC 28655

East Shores

Features & Amenities

Interior Features

Built-in FeaturesGarden TubKitchen IslandOpen FloorplanStorageWalk-In Closet(s)Walk-In Pantry

Property Details

Construction

Hard Stucco

Parking

DrivewayGarage - AttachedGarage

Heating

Heat Pump (Heating)Central

Cooling

Heat PumpCentral Air

Appliances

DishwasherElectric RangeGas Water HeaterMicrowaveRefrigeratorWasher/Dryer

Questions & Answers

This 4-bedroom, 3-bathroom single family at 4639 Harbor View Terrace is listed at $860,000 ($243/sqft). The estimated monthly payment is $5,414 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $814/month.

Key features include: Built in 2003, 0.82 acre lot, Fireplace. Interior Features: Built-in Features, Garden Tub, Kitchen Island.

This property is listed by Carmyn Shugart and can be reached at 8284499093.

CS

Carmyn Shugart

Agent at True North Realty

(828) 449-9093
Agent website

Listed by True North Realty · Broker phone: (828) 307-0099 · View on Broker Site · Broker website

MLS# 4367035· Source: Canopy MLS· 165 days on PropertySimple

Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

4639 Harbor View Terrace, Morganton, NC 28655

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