4647 Harbor View Ter, Morganton, NC 28655 Property Records

Burke County property record for 4647 Harbor View Ter, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,270 sqft · built 2007
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$870,000 (Feb 2011)
Tax Bill	$7,346 (2026)
Deeds & Mortgages	May 2019 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1764246598`

Property Details

APN / Parcel Number

Primary APN	`1764246598`
Alternative APN	`49898`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,270 sqft Living Area
1st Floor Area	1,880 sqft
Basement Area	1,430 sqft
Finished Basement	1,250 sqft
Unfinished Basement	180 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Stone
Roof Material	Asphalt
Lot Area	29,185 sqft (0.67 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	561 sqft
Deck Area	460 sqft
Patio Area	980 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4647 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	4647 HARBOR VIEW TER MORGANTON, NC 28655
Legal Subdivision	EAST SHORES SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2028
Census Tract	20203

Owner

4647 Harbor View Ter is owned and occupied by two individuals who bought it in February 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	4647 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 29, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO INC
May 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2011 · Amount on File
Deed Sale	Feb 18, 2011 · Amount on File
Prior Sale	Dec 14, 2005 · Amount on File
Deed Document Number	20111553
Deed Book / Page	1948 / 680
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4647 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024050119
Date	May 29, 2019
Book Page	2405/0119
Instrument	2017028263

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4647 HARBOR VIEW TER, MORGANTON, NC 28655-7522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024050078
Date	May 29, 2019
Book Page	2405/0078
Instrument	2017028258

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4647 Harbor View Ter was $7,346, up 0.1% from the year before.

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	$7,346.00 (+0.07%)	$1,106,858 (-) Land $220,850 Building $886,008	$1,106,858 (-) Land $220,850 Building $886,008
2025	$7,341.00	$1,106,858 Land $220,850 Building $886,008	$1,106,858 Land $220,850 Building $886,008
2023	$7,393.00	$1,106,858 Land $220,850 Building $886,008	$1,106,858 Land $220,850 Building $886,008

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

Flood

FEMA maps place 4647 Harbor View Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4647 Harbor View Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Nearby Properties on Harbor View Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures