10328 CELTIC ASH DRIVE, RUSKIN, FL, 33573
Active20 days on marketListed Oct 18, 2026MLS #TB8558368
About this home
10328 CELTIC ASH DRIVE
Virtually Staged. USDA GOVERNMENT-BACKED LOAN OPPORTUNITY! QUALIFIED BUYERS MAY BE ABLE TO PURCHASE WITH ZERO DOWN PAYMENT! You don't have to be a first-time homebuyer to take advantage of this financing option! Virtually Staged. Welcome to 10328 Celtic Ash Drive in the desirable Belmont community of Ruskin! Situated on an oversized premium homesite with beautiful pond views, this 4-bedroom, 2-bathroom home offers approximately 1,938 square feet of living space, a 2-car garage, and an opportunity to create something truly special. Inside, you'll find an open-concept floor plan with abundant natural light and a split-bedroom layout that provides privacy for the primary suite. The spacious living and dining areas flow together, while the kitchen features a breakfast bar, a full appliance package, ample cabinetry, and a pantry. Three additional bedrooms provide flexibility for guests, a home office, or whatever suits your needs. Step outside to the covered patio and enjoy peaceful pond views overlooking your expansive backyard. With over a quarter of an acre, there's plenty of room to relax, entertain, garden, or create your own outdoor retreat. This home is a diamond in the rough, offering an opportunity for buyers who recognize the value of a great location, a generous lot, and a functional floor plan. The property needs TLC and updating, but for someone willing to put in a little work, it's a chance to make a home truly their own without paying a premium for someone else's design choices. Belmont residents enjoy resort-style community amenities, including a clubhouse, two swimming pools, basketball and tennis courts, a playground, dog park, and scenic walking trails. Conveniently located near I-75, US-301, shopping, restaurants, schools, and hospitals, with access to Tampa, Sarasota, MacDill Air Force Base, and Gulf Coast beaches. Whether you're looking for an opportunity to enter the housing market at an attractive price point or a property you can transform to fit your vision, this home deserves a closer look. Schedule your private showing today! If you have questions about USDA financing call today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,938
Sqft
0.29 ac
Lot size
2008
Year built
One
Levels
$144
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,609 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,609/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+1.6%
$/sqft vs Ruskin actives
$144 vs $179
Days on market
20 vs 64 typical
Where $144/sqft sits among the 284 Ruskin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ruskin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ruskin. See the full Ruskin guide →
RUSKIN 33573 — neighborhood snapshot
Population
35,362
Median age
64.1
Median income
$72,834
Median home value
$309,300
Avg household
2.11
Households w/ children
2,554
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ruskin market
$320K → $320K
Ruskin median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
158 of 284
Ruskin actives have cut their price
Median sold price, Ruskin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the RUSKIN 33573 median. See the full Ruskin market guide →
Paper trail
This home's history
Reality check
What actually sold near 10328 CELTIC ASH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$375,000
10315 CELTIC ASH DRIVE · same community
4 bd · 2 ba · 1,938 sqft · $193/sqft · 33 DOM
Sold · Jun ’26$329,900
10109 CELTIC ASH DRIVE · same community
4 bd · 2 ba · 1,938 sqft · $170/sqft · 4 DOM
Sold · Feb ’26$352,000
10012 NEWMINSTER LOOP · same community
3 bd · 2.5 ba · 1,936 sqft · $182/sqft · 57 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10328 CELTIC ASH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10328 CELTIC ASH DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10328 CELTIC ASH DRIVE FAQs
What would the monthly payment be for 10328 CELTIC ASH DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,609/mo — principal and interest, the actual property-tax bill, the $13/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10328 CELTIC ASH DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10328 CELTIC ASH DRIVE?+
The most recent tax bill on record (2025) was $4,682. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10328 CELTIC ASH DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ruskin?+
At $280,000, this home is listed about 17% below the Ruskin median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10328 CELTIC ASH DRIVE?+
Cypress Creek Elementary School (elementary), Shields Middle School (middle), Lennard High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$280,000 runs 12% above the RUSKIN 33573 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $315,000, now $280,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Jennifer Messina. MLS #TB8558368.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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