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Morganton · Morganton, NC

4639 Harbor View Terrace

Morganton, NC · 3,542 sqft

$860,000

Reduced from $985,000

  • 4Beds
  • 3Baths
  • 3,542SqFt
  • 2003Year
  • 148Days on market

About this home

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.

Property details

Beds
4
Baths
3
SqFt
3,542
Lot
Year built
2003
Type
Single Family
Days on market
148
Garage
2
Heating
Central, Heat Pump
Cooling
Central Air, Heat Pump
Foundation
Basement
View
Long Range, Mountain(s)
HOA dues
$814 / 6mo

Features

  • Built-in Features
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Storage
  • Walk-In Closet(s)
  • Walk-In Pantry

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,357/ month

Principal & interest
$5,326
Property tax (~0.90%)
$645
Homeowners insurance
$250
HOA dues
$135

Down payment

$43,000 down · $817,000 financed

Income to qualify (28% rule)

~$272,474 / year household

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