4639 Harbor View Ter, Morganton, NC 28655 Property Records

Burke County property record for 4639 Harbor View Ter, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,892 sqft · built 2003
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (May 2019)
Tax Bill	$3,766 (2026)
Deeds & Mortgages	Sep 2023 Mortgage May 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1764249985`

Property Details

APN / Parcel Number

Primary APN	`1764249985`
Alternative APN	`49902`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,892 sqft Living Area
1st Floor Area	1,946 sqft
Basement Area	1,946 sqft
Finished Basement	1,946 sqft
Flooring	Wood

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Stucco
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	35,719 sqft (0.82 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	763 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4639 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	4639 HARBOR VIEW TER MORGANTON, NC 28655
Legal Subdivision	EAST SHORES PHASE VI SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2028
Census Tract	20203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage MISSION LOANS LLC
May 28, 2019	Warranty Deed, Transfer · Line of Credit STATE EMPLOYEES CU
May 19, 2017	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Prior Sale	May 19, 2017 · Amount on Record
Deed Document Number	20192017028198
Deed Book / Page	2404 / 734
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Transaction Type	Mortgage
Record Updated	Oct 4, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522

Mortgage

Document Number	0027070028
Date	Sep 21, 2023
Book Page	2707/28
Instrument	2023008783

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 28, 2019
Property Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Document Number	0024040734
Book / Page	2404 / 0734
Map Reference	MB 11 PG 38&39
Instrument Date	May 28, 2019
Instrument	2017028198
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$758.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522

Mortgage

Document Number	2017028199
Date	May 28, 2019
Instrument	2017028199

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 19, 2017
Property Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Document Number	0022930431
Book / Page	2293 / 0431
Map Reference	MB11 PG38&39
Instrument Date	May 9, 2017
Instrument	2017004526
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$678.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4639 HARBOR VIEW TER, MORGANTON, NC 28655-7522

Mortgage

Document Number	2017004527
Date	May 19, 2017
Instrument	2017004527

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$3,766.00 (+0.13%)	$560,184 (-) Land $70,600 Building $489,584	$560,184 (-) Land $70,600 Building $489,584
2025	$3,761.00 (-0.63%)	$560,184 (-) Land $70,600 Building $489,584	$560,184 (-) Land $70,600 Building $489,584
2023	$3,785.00	$560,184 Land $70,600 Building $489,584	$560,184 Land $70,600 Building $489,584

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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