4648 Harbor View Ter, Morganton, NC 28655 Property Records

Burke County property record for 4648 Harbor View Ter, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,315 sqft · built 2023
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Aug 2021)
Tax Bill	$9,119 (2026)
Deeds & Mortgages	Jul 2022 Construction Loan Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1764257262`

Property Details

APN / Parcel Number

Primary APN	`1764257262`
Alternative APN	`49891`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,315 sqft Living Area
Basement Area	725 sqft
Finished Basement	203 sqft
Unfinished Basement	522 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	448 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4648 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	4648 HARBOR VIEW TER MORGANTON, NC 28655
Legal Subdivision	EAST SHORES
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	111 DRAYMORE WAY, CARY, NC 27519-8677
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	20219806
Deed Book / Page	2563 / 353
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4648 HARBOR VIEW TER, MORGANTON, NC 28655
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026330389
Date	Jul 8, 2022
Book Page	2633/389
Instrument	2021023182

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2038
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 18, 2021
Property Address	4648 HARBOR VIEW TER, MORGANTON, NC 28655
Document Number	0025630353
Book / Page	2563 / 353
Map Reference	MB 11 PG 38&39
Instrument Date	Aug 18, 2021
Instrument	2021009806
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	163 HUDSON CAJAH MOUNTAIN RD, HUDSON, NC 28638-2709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 DRAYMORE WAY, CARY, NC 27519-8677

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	$9,119.00 (+13.32%)	$1,377,536 (+13.41%) Land $332,700 Building $1,044,836	$1,377,536 (+13.41%) Land $332,700 Building $1,044,836
2025	$8,047.00 (+251.7%)	$1,214,603 (+250.29%) Land $332,700 Building $881,903	$1,214,603 (+250.29%) Land $332,700 Building $881,903
2023	$2,288.00	$346,744 Land $332,700 Building $14,044	$346,744 Land $332,700 Building $14,044

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.

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