4628 Harbor View Ter, Morganton, NC 28655 Property Records

Burke County property record for 4628 Harbor View Ter, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,273 sqft · built 2024
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Apr 2021)
Tax Bill	$5,572 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1764354425`

Property Details

APN / Parcel Number

Primary APN	`1764354425`
Alternative APN	`49885`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,273 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	128 sqft
Canopy	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4628 HARBOR VIEW TER
City	MORGANTON
State	NC
Zip	28655-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	4628 HARBOR VIEW TER MORGANTON, NC 28655
Legal Subdivision	EAST SHORES SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2012
Census Tract	20203

Owner

Source: Burke County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2300 SWAN POND DR, MORGANTON, NC 28655-8287
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Negative Amortization FIRST CITIZENS BANK AND TRUST CO INC
Jan 11, 2024	Warranty Deed, Transfer · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Apr 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Jan 9, 2006 · Amount on Record
Deed Document Number	20214710
Deed Book / Page	2536 / 229
Last Transfer Date	Jan 10, 2024
Transfer Doc	0027240756
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4628 HARBOR VIEW TER, MORGANTON, NC 28655
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2300 SWAN POND DR, MORGANTON, NC 28655-8287

Mortgage

Document Number	0028570452
Date	Mar 2, 2026
Book Page	2857/452
Instrument	2026001737

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.7%
Max Rate At Change	7.7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.7%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 11, 2024
Property Address	4628 HARBOR VIEW TER, MORGANTON, NC 28655
Document Number	0027240756
Book / Page	2724 / 756
Map Reference	MB 11 PG 38&39
Instrument Date	Jan 10, 2024
Instrument	2024000224
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2300 SWAN POND DR, MORGANTON, NC 28655-8287

Mortgage

Document Number	2024000225
Date	Jan 11, 2024
Instrument	2024000225

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2039

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 26, 2021
Property Address	4628 HARBOR VIEW TER, MORGANTON, NC 28655
Document Number	0025360229
Book / Page	2536 / 229
Map Reference	MB 11 PG 38&39
Instrument Date	Apr 23, 2021
Instrument	2021004710
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount Recorded
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1492 BRAXTON GATE DR EXT, MORGANTON, NC 28655-6798

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	750 TOXAWAY DRIVE, NEBO, NC 28761
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,572.00 (+106.6%)	$835,878 (+40.57%) Land $154,250 Building $681,628	$835,878 (+40.57%) Land $154,250 Building $681,628
2025	$2,697.00 (+159.58%)	$594,653 (+277.62%) Land $154,250 Building $440,403	$594,653 (+277.62%) Land $154,250 Building $440,403
2023	$1,039.00	$157,473 Land $154,250 Building $3,223	$157,473 Land $154,250 Building $3,223

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 28, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST SHORES S/D private · serves 350 people · EPA ID NC0112148
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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