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!