Hillsborough County property record for 10323 Celtic Ash Dr, Ruskin, FL 33573
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2.5 ba · 2,924 sqft · built 2007 |
| Lot Size | 0.172 acres (7,489 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,600 (Oct 2007) |
| Tax Bill | $2,460 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 077775-0274 |
| Primary APN | 077775-0274 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,924 sqft Living Area |
| Gross Area | 3,540 sqft |
| 1st Floor Area | 1,204 sqft |
| Upper Floors Area | 1,720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,489 sqft (0.172 acres) |
| Lot Dimensions | 117 ft deep x 55.5 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 196 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0777750274 |
|---|---|
| Street Address | 10323 CELTIC ASH DR |
| City | RUSKIN |
| State | FL |
| Zip | 33573-6740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BELMONT PHASE 1A LOT 11 BLOCK 4 |
| Legal Range | 20E |
| Legal Township | 31S |
| Legal Section | 19 |
| Legal Subdivision | BELMONT PHASE 1A |
| Legal Tract | 99D |
| Legal Block | 4 |
| Legal Lot Number | 11 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | RUSKIN |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 14007 |
10323 Celtic Ash Dr is owned and occupied by an individual who bought it in October 2007.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10323 CELTIC ASH DR, RUSKIN, FL 33573-6740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Feb 10, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2007 · Amount on File |
| Deed Sale | Oct 8, 2007 · Amount on File |
| Deed Document Number | 2007434104 |
| Deed Book / Page | 18166 / 1576 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 10323 CELTIC ASH DR, RUSKIN, FL 33573-6740 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10323 CELTIC ASH DR, RUSKIN, FL 33573-6740 |
| Document Number | 0000434981 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 2025434981 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Nov 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 10323 CELTIC ASH DR, RUSKIN, FL 33573-6740 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 10323 CELTIC ASH DR, RUSKIN, FL 33573-6740 |
| Document Number | 2021066770 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 2021066770 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 254 Months |
| Due | Apr 1, 2042 |
The 2025 property tax bill for 10323 Celtic Ash Dr was $2,460.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $153,829 (+2.7%) | $346,551 (-2.97%) Land $84,446 Building $262,105 | |
| 2025 | $2,460.00 Disabled Person's exemption Veteran's exemption | $149,785 | $357,170 Land $90,942 Building $266,228 |
| 2023 | $3,781.00 (+6.21%) Homeowner's exemption Veteran's exemption | $141,324 (+3%) | $346,448 (+9.09%) Land $84,446 Building $262,002 |
| 2022 | $3,560.00 Homeowner's exemption Veteran's exemption | $137,208 | $317,583 Land $71,454 Building $246,129 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10323 Celtic Ash Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2020.
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 File 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 |
|
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 risk around 10323 Celtic Ash Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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