10346 CELTIC ASH DRIVE, Ruskin, FL, 33573 | $375,000

One or more photo(s) has been virtually staged. Water View Luxury in Belmont – The St. Augustine II

Experience the pinnacle of refined water-view living in this impeccably maintained St. Augustine II residence, gracefully positioned within the highly sought-after Belmont community. Offering over 2, 500 square feet of thoughtfully designed living space, this elegant four-bedroom, three-bath home delivers a seamless blend of timeless design, modern comfort, and effortless indoor-outdoor living.

From the moment you step inside, an air of understated sophistication welcomes you. Sun-drenched interiors, enhanced by clean architectural lines and 18” ceramic tile flooring, create a bright and inviting atmosphere. The open-concept layout flows effortlessly between formal and casual living spaces—perfect for both intimate gatherings and elevated entertaining—while the split-bedroom design ensures privacy and flexibility. Generously sized, oversized bedrooms provide exceptional comfort and versatility for family and guests alike.

At the heart of the home lies a beautifully appointed gourmet kitchen where style meets functionality, featuring 42” white cabinetry with elegant glass accents, Giallo Ornamental granite countertops, a stylish tile backsplash, an expansive breakfast bar, walk-in pantry, and a stainless steel appliance suite. Perfectly positioned to overlook the breakfast nook and family room, the kitchen captures serene water views, bringing a sense of calm and natural beauty into everyday living.

The primary suite serves as a tranquil retreat, thoughtfully situated for privacy and enhanced with brand new wood-look ceramic tile flooring that adds both warmth and durability. The spa-inspired en-suite bath is designed for relaxation, offering a dual-sink Uba Tuba granite vanity, a garden soaking tub, and a separate glass-enclosed shower. A secondary bedroom also features brand new wood-look ceramic tile flooring, while an upstairs bedroom is finished with laminate flooring, providing both comfort and low-maintenance appeal.

Upstairs, a private and versatile level offers exceptional flexibility, including an oversized bedroom and a full bath, making it ideal for a guest suite, executive office, or media retreat.

Step outside to your own peaceful escape, where a screened lanai overlooks a tranquil waterfront backdrop, creating the perfect setting for morning coffee, sunset relaxation, or effortless entertaining in a resort-style atmosphere.

Additional features include ENERGY STAR® construction for enhanced efficiency, double-pane Low-E windows, and R-38 attic insulation. Residents of Belmont enjoy access to resort-style amenities, including multiple swimming pools, tennis and basketball courts, playgrounds, and beautifully maintained green spaces, all within a vibrant yet peaceful setting. An elementary school located within the community adds to the home’s appeal, while a Publix shopping center at the entrance provides everyday convenience just moments away.

Ideally located near I-75, US-301, and Big Bend Road, with convenient access to Downtown Tampa and Channelside, this exceptional residence offers the perfect balance of luxury, location, and lifestyle.

Features

  • Amenities: Basketball Court, Fence Restrictions, Tennis Court(s)
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 56.0 x 117.0
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Florida
  • Year Built: 2014
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,546
  • Acreage: 0.15
  • Lot Size: 56.0 x 117.0
  • Est. Taxes: $6,429
  • HOA Fee: $158 Annually
  • Lot Desc: Conservation Area, In County, Landscaped, Sidewalk
  • View: Water
  • Elem. School: Doby Elementary-HB
  • Middle School: Eisenhower-HB
  • High School: East Bay-HB
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8492977
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/TB8492977/10346celticashdrive_ruskin_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/6/2026 1:10:57 PM)
Listing courtesy of Re/max Realty Unlimited   Phone: 813-684-0016

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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10346 CELTIC ASH DRIVE, Ruskin, FL, 33573

$375,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $300,000 $300,000 $300,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.313% 6.487% 5.614%
Monthly Tax Payment $536 $536 $536
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,775 $1,872 $2,431
Total Monthly Payment $2,386 $2,483 $3,042

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.