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John KurtzCharlotte · NC

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Morganton · Morganton, NC

4634 Harbor View Terrace

Morganton, NC · 2,947 sqft

$829,000

Reduced from $849,000

  • 3Beds
  • 3Baths
  • 2,947SqFt
  • 1995Year
  • 93Days on market

About this home

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!

Property details

Beds
3
Baths
3
SqFt
2,947
Lot
Year built
1995
Type
Single Family
Days on market
93
Garage
2
Heating
Forced Air
Cooling
Ceiling Fan(s), Central Air
Foundation
Basement
View
Water
HOA dues
$1,014 / 6mo

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,270/ month

Principal & interest
$5,134
Property tax (~1.05%)
$725
Homeowners insurance
$241
HOA dues
$169

Down payment

$41,450 down · $787,550 financed

Income to qualify (28% rule)

~$268,731 / 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.