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as low as 5.49% (6.372% APR)*
+ 32 Photos

32 Plantation Drive

Youngsville, NC 27596
$359,000
Calculator$0/mo
  • Beds4
  • Baths2.5
  • Sq Ft2,250
  • Stories2
  • Garage2-Car

USDA Eligible! Qualified buyers may be able to purchase with no down payment, making homeownership more attainable! Welcome home to this beautifully designed residence featuring a main-level office with elegant French doors—perfect for working from home. Throughout the first floor, you'll find stunning luxury vinyl plank flooring that adds both style and durability. The spacious kitchen is a true centerpiece, offering a seven-foot island, custom cabinetry, quartz countertops, tile backsplash, stainless steel appliances, and stylish pendant lighting. A convenient pet nook tucked beneath the stairs adds a thoughtful touch for furry family members. The open-concept great room is filled with abundant natural light - direct access to the rear covered porch makes this space ideal for both relaxing and entertaining. Retreat to the spacious primary suite, complete with a tray ceiling accented by crown molding and a luxurious primary bath featuring a five-foot tiled shower, custom cabinetry, and a dual-sink quartz vanity. This thoughtfully designed home combines modern finishes, functional spaces, and timeless appeal!
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Floor Plan

1st Floor-r3
2nd Floor

Specifications

  • Address
    32 Plantation Drive
  • City, St, Zip
    Youngsville, NC 27596
  • Bedrooms
    4
  • Full Baths
    2
  • Half Baths
    1
  • Sq Ft
    2,250
  • Price
    $359,000
  • Estimated Completion Date
    Available Now
  • Community
    Winston Ridge
  • Plan
    Lancaster
  • Status
    Active
  • Homesite
    479
  • Garages
    2-Car
  • Primary Bedroom Location
    Upstairs

Map & Directions

Community Directions
  • From Downtown Raleigh - Take 401 / Capital Blvd to US-1N
  • Turn left on NC-96 N.
  • Turn right on Morning Glory Drive.
  • Turn left on Plantation Drive.
  • Continue on Plantation Drive.
  • Turn right on Sweetbay Park.
  • Turn left on Waterclover Path.
Home Address

32 Plantation Drive
Youngsville, NC 27596

View in Google Maps

Schools

Winston Ridge Schools

*Schools can change without notice. Verify with the local school district.

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Winston Ridge Included Features

Community Amenities

Clubhouse

Pavilion

Pool

Tree-lined Streets

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Silverton Mortgage is authorized to originate FHA loans, but it is not an agent of, or affiliated with, the U.S. Government.

ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.

Contact your Mungo Homes sales manager for a list of eligible homes. Contracts written on or after 09/14/2026. Loan must close before 01/12/2027. All terms and conditions subject to credit approval, market conditions and availability. Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates are only available until pool of funds is depleted or rate expires.

*Example of 96.5% LTV FHA Loan Program with $350,000.00 sales price. $343,660.00 loan amount - 30-year fixed-rate loan with zero points based on 360 monthly payments at $2,227.56 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Down payment of $12,250 required. Example assumes 780 credit score and includes $1,595 origination fee, 6.372% APR, and 5.49% interest rate as of 09/25/26. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Contact your builder sales manager for a list of eligible homes.

**Example of FHA 96.5% LTV (3.5% Down Payment) 2-1 Buydown Loan Program with $400,000 sales price. $392,755 loan amount, $14,000 cash down payment 30-year fixed-rate loan with 0 points. $2,227.56 monthly payments. First-year monthly payment $1,761.45 rate 3.49%, 6.237% APR. Second Year monthly payment $1,987.70 with an interest rate of 4.49% and 6.237% APR. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Example includes $1,595 origination fee. 6.237% APR and 5.49% interest rate for years 3-30 of the loan as of 09/30/2026 and a credit score of 720. Rates, fees, other charges and terms are subject to change. Available loan programs and terms will vary by state. Product requires a seller contribution of $8,471.64 to pay for the cost of the 2/1 Buydown. 

***Example of 96.5% LTV (3.5% Cash Down) FHA 5/1 ARM Loan Program with $400,000 sales price. $392,755 loan amount - 5-yr adjustable-rate loan (30-yr term) with zero points based on 360 monthly payments. 3.5% cash down payment of $14,000 required. Example includes $1,595 origination fee, 5.876% APR, and 4.49% interest rate as of 10/13/2026 and a credit score of 740. Initial monthly payment will be $1,987.70 (P&I only). After the initial fixed rate period and subject to the interest rate adjustment caps, the maximum first adjusted rate for this example will never be more than 5.49% with a first adjustment maximum payment of $2,227.56 (P&I only). The maximum lifetime rate will never be more than 9.49% with an estimated maximum monthly payment (P&I only) of $3,299.63. Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. Your interest rate and payment may increase with the first or any subsequent adjustment. This example assumes the Treasury index will be used throughout the life of the loan and will not change. Fees, other charges, and terms subject to change. Available loan programs and terms will vary by state.

Silverton Mortgage is authorized to originate USDA loans, but is not an agent of, or affiliated with, the U.S. Government. ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. Vanderbilt Mortgage and Finance, Inc. dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, GA 30361, 404-815-0291, NMLS #1561 (http://mnlsconsumeraccess.org/). All information is believed accurate and subject to change without notice. 

Vanderbilt Mortgage and Finance, Inc., dba Silverton Mortgage, 1201 Peachtree St NE, Ste 2050, Atlanta, GA 30361, 404-815-0291, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act license, licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking and Securities, Rhode Island Licensed Lender. Licensing information: https://silvertonmortgage.com/licensing/. Equal Housing Opportunity. 07/2025

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