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About This Home

This 4-bedroom, 3-bathroom single family at 4639 Harbor View Terrace in Morganton, NC is listed for $925,000 ($261 per sqft). Built in 2003, the home offers 3,542 sqft of living space on a 0.82 acres lot.

Agent Description

If you've been looking for space, privacy, and proximity to Lake James... this one checks all of it. Set just second row from the lake and located in one of the most sought after developments on Lake James, this 4-bedroom, 3-bathroom home offers stunning views of Table Rock and the surrounding Blue Ridge Mountains.

Upstairs, the main level living space feels open but intentional. Tall ceilings, built-ins, and a dining area framed by classic columns. The kitchen sits just off to the side with windows made for slow mornings, quiet conversation, and a peaceful start to the day.

Both the living room and primary suite open onto the newly updated TREX deck, extending your living space outdoors and creating an easy indoor-outdoor flow. The primary bedroom features an en-suite bathroom with a dual vanity and glass walk-in shower.

An additional full bath, laundry room, and two extra bedrooms complete the main level. Downstairs, flexibility really shows with a full second setup. A spacious living area, second full kitchen, dining space, bedroom with ensuite bath, craft room, a separate bonus room used as a bedroom, and walk-out access.

Ideal for guests, multi-generational living, or potential income. A rare opportunity to enjoy privacy, functionality, and mountain living just moments from the water. This is the kind of place you look forward to coming home to.

Key Features

  • Built in 2003
  • 0.82 acre lot
  • Fireplace

Property Details

1 story
3 full
2003

Amenities

FireplaceA/C

Monthly Cost Estimate

$5,761/mo

20% down · 6.5% · 30 years

Principal$669
Interest$4,008
Insurance$270
HOA$814

Estimates only. Actual payments may vary.

Location

4639 Harbor View Terrace

Morganton, NC 28655

East Shores

Property Details

Construction

Hard Stucco

Parking

Garage - AttachedDrivewayGarage

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 $925,000 ($261/sqft). The estimated monthly payment is $4,822 based on 20% down at 6.5% interest.

HOA fees are $814/month.

Key features include: Built in 2003, 0.82 acre lot, Fireplace.

This property is listed by Carmyn Shugart and can be reached at 8284499093 or carmyn@nctruenorthrealty.com.

CS

Carmyn Shugart

Agent at True North Realty

(828) 449-9093

Listed by True North Realty · View on Broker Site

MLS# 4367035· Source: listhub· Updated 52 days ago

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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