4634 Harbor View Terrace, Morganton, NC 28655

• 3 beds |
• 3 baths |
• 2,947 sqft

Property Description

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!*

Listing Status:

Active

Data Last Updated:

March 12, 2026 at 6:16PM

Listing Office:

DASH Carolina : 704-285-1502

MLS ID:

4340012

Interior

• Appliances: DishwasherElectric OvenMicrowave
• Laundry: Laundry Room
• Basement: Interior EntryStorage Space
• A/C: Ceiling Fan(s)Central Air
• Heating: Forced Air
• Fireplace: Gas LogLiving RoomFireplace

Exterior

• Parking: DrivewayAttached GarageGarage Door OpenerGarage Faces Side

Construction

• Roofing: Architectural Shingle
• General: Site BuiltBasement

Location

• Road/Access: ConcretePaved
• HOA Amenities: 1014.0Semi-Annually
• Originating MLS: carolina
• County: Burke

Lot

• Zoning: R-349887
• View: Water

Utilities

• Water: Community Well
• Sewer: Septic Installed

Financial

• Source: carolina
• Exclusions: Chandelier in living room