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$280,000

10328 CELTIC ASH DRIVE, RUSKIN, FL 33573

3D Tour
Active16 days on market

Beds

4

Baths

2

Sq Ft

1,938 sq ft

Year Built

2008

Lot Size

0.29 acres

Garage

0

About This Property

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!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8558368
StatusActive
Year Built2008
Stories1
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionBELMONT PH 1A
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Walk-In Closet(s)
FlooringCeramic Tile, Laminate
AppliancesDishwasher, Disposal, Dryer, Microwave, Refrigerator
LaundryInside
WindowsBlinds
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorPrivate Mailbox, Sidewalk, Sliding Doors, Sprinkler Metered
Lot Size0.29 acres (12,778 sq ft)
Lot Dimensions103.05 x 124
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesPond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes

HOA & Community

HOAYes
HOA Fee$13 / Monthly
Senior CommunityNo

Financial Details

List Price$280,000
Original Price$315,000
Annual Taxes$4,682 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U19312099D00000500062.0

Schools

ElementaryBelmont Elementary School
MiddleEisenhower-HB
HighSumner High School

Directions

Take I-75 to Exit 246 (Big Bend Road). Head east on Big Bend Road. Turn right onto US-301 South, then right onto Paseo Al Mar Boulevard. Turn left onto Lucky Debonair Way, then right onto Celtic Ash Drive. Continue to the property. These directions follow the published route for a nearby property on Celtic Ash Drive.

Location

10328 CELTIC ASH DRIVE, RUSKIN, FL 33573

Listing Information

OfficeKELLER WILLIAMS TAMPA PROPERTIES
ListedOctober 18, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$280,000

20% ($56,000)
6.75%

Loan Term

Principal & Interest$1,453
Property Tax (est.)$257
Insurance (est.)$150
Total Monthly$1,860
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $280,000 home in RUSKIN.

🏛️

FHA Loan

$9,800 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$14,000 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 3, 2026.

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