Why does it say my OS is the latest version but it is only IOS10

If your iPad is currently running, or cannot be updated beyond iOS 10.3.3/4, then have an iPad4.

Update support for iPad4 ended September 2017. The final iOS releases for this model were iOS 10.3.3 (WiFi Only models) and iOS 10.3.4 (WiFi & Cellular). iPad4 cannot be updated to any later major version of iOS as it lacks the minimum hardware requirements needed to run more recent versions. The 32-bit platform upon which the iPad4 is based is obsolete.

Many App Developers have also dropped support for older devices and iOS versions preceding iOS11/12/13 - and have withdrawn older versions of their Apps from the Apple App Store. Withdrawal of Apps supporting older models of iPad is making their utility and usefulness significantly more limited. Once compatible versions Apps are withdrawn, you’ll not be able (re)download or (re)install them.

If Apps that you need to use now have higher minimum iOS-version requirements, your only option is to replace your iPad with newer model. Of current models, even the entry-level iPad8 supports current iPadOS 14 - and has hardware specifications and capabilities that vastly outperform your old iPad4.

I hope this information is helpful - if only in clearly stating the limitations of your iPad4 and your available options.

If you have an iPad 4th generation running iOS 10.3.3 or 10.3.4, then it is the latest version for that model. An iPad 4th generation does not have the hardware resources to support newer iOS versions.

See here: link-> Identify your iPad model - Apple Support

You don’t.

Upgrading/updating that iPad any farther will never, ever be possible.

If your iPad model has been stuck on iOS 10 for all of these past years, then it is possible you own an almost 9-year old, 2012 iPad 4th generation.

That iPad model cannot ever upgrade beyond iOS 10.3.3/10.3.4.

Your nearly 9-year old, iPad 4th gen model is too old, now.

Sorry.

Apple ended support for all 8-10-year old iOS devices nearly 5 years, ago, in 2016.

Third party app developers abandoned and stopped supporting these 8-10-year old iOS devices nearly 3 years, ago, in 2018.

There are, virtually, NO MORE third party apps available from the iOS App Store, any longer!

Third party compatible apps for such old devices are few and far between, now, in 2021.

This includes apps for both iOS 9 AND iOS 10 deviices.

Simply put, a 4th gen iPad is too old and obsolete now.

Sorry, but this is the reality for ALL 8-10-year old AND OLDER iOS devices now. Especially now in 2021!

There is one last thing you can try/attempt, if you need older versions of apps.

If you own much newer iOS device that can run either iOS 12 and.or iOS/iPadOS 13 and later, you can install the most recent app/s onto that more recent iOS device.

Then go back to your older iPad, open the iOS App Store, go to the Purchases section of the store app, search for the app/s you wish to try and download to that older iPad and see if an older version of the app is allowed to be downloaded/installed to that older iPad.

These newer iOS/iPadOS devices must use your same Apple ID user account and password as the older device you ard trying to get an older app for.

Failing that OR IF NO joy, then there is nothing more to be done.

It's 2021 now!

If you need/want an iPad with an up to date iPadOS with access to current, updated apps, then you really need to seriously consider a purchase of a new iPad model OR a much, MUCH “newer” and less expensive, refurbished or used iPad models, from better known, trusted Apple product/device retailers/resellers, some locally or from online, on the Web/Internet, capable of running the latest iPadOS versions.

There are PLENTY of less expensive, newer, older iPad models that can run the latest, current versions of iPadOS.

If you need to purchase older, less expensive iPad models, look at older IPads from 2014 and later.

All of these older model iPads CAN run the latest iPadOS versions and the up and coming iPadOS 15.

2014, 9,7 inch screen iPad Air 2 models

2015, 7.9 inch screen iPad Mini 4 models

2015-2017, 12.9 inch screen iPad Pro models. ( 1st gen Pencil support )

2016, 9.7 inch screen iPad Pro models ( 1st gen Pencil support )

2017, 9.7 inch screen iPad 5th gen models

2018, 9.7 inch screen iPad 6th gen models (1st gen Pencil support )

2019, 10.2 inch screen iPad 7th gen models ( 1st gen Pencil support )

2020, 10.2 inch screen iPad 8th gen models. ( 1st gen Pencil support )

Get the largest internal data storage model you can afford as NO Apple iOS device has expandable storage.

I am sorry that you had to learn all of this, but this does not change any of the facts regarding these very old iOS devices.

Sorry & Best of Luck to You!