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John KurtzCharlotte · NC

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Morganton · Morganton, NC

4617 Harbor View Terrace

Morganton, NC · 2,411 sqft

$579,900

  • 3Beds
  • 2.5Baths
  • 2,411SqFt
  • 1995Year
  • 220Days on market

About this home

Cape Cod cutie! Enjoy the lake from this corner location with a short walk to the deeded boat slip. Main level primary suite is filled with light from large windows and cathedral ceiling. Ensuite bath has double sinks, shower, jet tub and large walk in closet. Cozy living room with gas logs and dining area just off the kitchen. Kitchen has plenty of cabinetry, island seating and a breakfast area. Direct access to the screened porch off the kitchen which overlooks the beautifully landscaped rear yard. Laundry and powder room are conveniently located between kitchen and garage access. Upstairs there are two gracious sized bedrooms with a shared bath as well as a finished bonus room over the garage-perfect for your home office. As a bonus there is also a 13x19 building with breezeway from the garage has monitor heat and window unit AC. Perfect for a shop, craft or exercise room. Just 15 minutes to downtown Morganton and close to Fonta Flora Trail & Lake James State Park. Keep your boat in the deeded slip and enjoy beautiful Lake James. New roof 2025.

Property details

Beds
3
Baths
2.5
SqFt
2,411
Lot
Year built
1995
Type
Single Family
Days on market
220
Garage
2
Style
Cape Cod
Heating
Central, Forced Air, Heat Pump
Cooling
Ceiling Fan(s), Central Air, Electric, Heat Pump
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
HOA dues
$1,010 / 6mo

Features

  • Entrance Foyer
  • Kitchen Island
  • Walk-In Closet(s)
  • Whirlpool

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,436/ month

Principal & interest
$3,591
Property tax (~1.05%)
$507
Homeowners insurance
$169
HOA dues
$168

Down payment

$28,995 down · $550,905 financed

Income to qualify (28% rule)

~$190,130 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.