Hillsborough County property record for 10109 Celtic Ash Dr, Ruskin, FL 33573
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,938 sqft · built 2007 |
| Lot Size | 0.144 acres (6,254 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Jun 2026) |
| Tax Bill | $5,479 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077775-0248 |
| Primary APN | 077775-0248 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,938 sqft Living Area |
| Gross Area | 2,410 sqft |
| 1st Floor Area | 1,938 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,254 sqft (0.144 acres) |
| Lot Dimensions | 117 ft deep x 54.3 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 146 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0777750248 |
|---|---|
| Street Address | 10109 CELTIC ASH DR |
| City | RUSKIN |
| State | FL |
| Zip | 33573-6732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BELMONT PHASE 1A LOT 49 BLOCK 3 |
| Legal Range | 20E |
| Legal Township | 31S |
| Legal Section | 19 |
| Legal Subdivision | BELMONT PHASE 1A |
| Legal Tract | 99D |
| Legal Block | 3 |
| Legal Lot Number | 49 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 14007 |
Source: Hillsborough County records · APN 077775-0248
Assessment roll updated January 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2210 KENDALL SPRINGS CT, 203, BRANDON, FL 33510-2474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 09, 2026 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOODLOANS INC |
| Jun 11, 2020 | Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA |
| Jan 23, 2018 | Warranty Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2026 · Amount on Record |
| Deed Sale | Jun 09, 2026 · Amount on Record |
| Prior Sale | Jan 23, 2018 · Amount on Record |
| Deed Document Number | 2026220423 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 09, 2026 |
| Property Address | 10109 CELTIC ASH DR, RUSKIN, FL 33573-6732 |
| Document Number | 0000220423 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 2026220423 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | DIGITAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $233,239.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000220424, |
|---|---|
| Date | Jun 09, 2026 |
| Instrument | 2026220424 |
| Name | NEIGHBORHOODLOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 10109 CELTIC ASH DR, RUSKIN, FL 33573-6732 |
| Document Number | 0000300337 |
| Instrument Date | Jun 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10109 CELTIC ASH DR RUSKIN FL 335736732, RUSKIN, FL 33573-6732 |
| Document Number | 0000300337 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 300337 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 23, 2018 |
| Property Address | 10109 CELTIC ASH DR, RUSKIN, FL 33573-6732 |
| Document Number | 0255091975 |
| Book / Page | 025509 / 001975 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 30216 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10109 CELTIC ASH DR RUSKIN FL 335736732, RUSKIN, FL 33573-6732 |
| Document Number | 255091977 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 025509/001977 |
| Instrument | 30217 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2048 |
Source: Hillsborough County records · Assessment roll updated January 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,479.00 (+7.28%) Homeowner's exemption | $203,403 (+5.99%) | $297,987 (+3.39%) Land $88,943 Building $209,044 |
| 2024 | $5,107.00 (+7.56%) | ||
| 2023 | $4,748.00 (+5.35%) Homeowner's exemption | $191,914 (+3%) | $288,210 (+5.22%) Land $82,590 Building $205,620 |
| 2022 | $4,507.00 Homeowner's exemption | $186,324 | $273,914 Land $69,884 Building $204,030 |
Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 537 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HCWRD/SOUTH-CENTRAL serves 515,012 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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