10046 Celtic Ash Dr, Ruskin (Sun City Center), FL 33573 Property Records

Hillsborough County property record for 10046 Celtic Ash Dr, Ruskin, FL 33573

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,282 sqft · built 2015
Lot Size	0.161 acres (7,020 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Jul 2020)
Tax Bill	$3,105 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0777750986`

Property Details

APN / Parcel Number

Primary APN	`0777750986`
Alternative APN	`U1931209Z7000009000290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,282 sqft Heated Area
1st Floor Area	2,282 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2019
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,020 sqft (0.161 acres)
Lot Dimensions	117 ft deep x 60 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0777750986
Street Address	10046 CELTIC ASH DR
City	RUSKIN
State	FL
Zip	33573-6729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BELMONT PHASE 1C-1 PARTIAL REPLAT LOT 29 BLOCK 9
Legal Range	20
Legal Township	31
Legal Section	19
Legal Subdivision	BELMONT PHASE 1C-1 PARTIAL REPLAT
Legal Phase	1C-1
Legal Block	9
Legal Lot Number	29
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	1
Census Block	1039
Census Tract	14007

Owner

Source: Hillsborough County assessment roll, as of July 1, 2025

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 File
Co-owner	Verified Secondary Owner
Mailing Address	10046 CELTIC ASH DR, RUSKIN, FL 33573-6729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Deed Document Number	2020334455
Deed Book / Page	23613 / 0547
Prior Transfer Date	Oct 16, 2015
Prior Transfer Doc	2015401722
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Aug 18, 2020
Property Address	10046 CELTIC ASH DR, RUSKIN, FL 33573-6729
Document Number	0000334455
Instrument Date	Jul 30, 2020
Instrument	334455
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10046 CELTIC ASH DR RUSKIN FL 335736729, RUSKIN, FL 33573-6729

Mortgage

Document Number	334456
Date	Aug 18, 2020
Instrument	334456

Lender

Name	EXCEL MTG NTWK
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33702

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,105.00 (-50.87%) Disabled Person's exemption Veteran's exemption	$258,548 (+5.99%)	$384,838 (+3.43%) Land $111,892 Building $272,946
2023	$6,320.00 (+4.12%) Homeowner's exemption Veteran's exemption	$243,943 (+3%)	$372,065 (+8.56%) Land $103,900 Building $268,165
2022	$6,070.00 Homeowner's exemption Veteran's exemption	$236,838	$342,732 Land $76,448 Building $266,284

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 September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	7 (2020–2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Debby, Aug 2024 · 2 claims Hurricane Eta, Nov 2020 · 2 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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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	HCWRD/SOUTH-CENTRAL serves 515,012 people · EPA ID FL6290787
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 537 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20