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About This Home

This 5-bedroom, 5-bathroom single family at 4049 N Indian Bayou in Destin, FL is listed for $3,199,000 ($673 per sqft). Built in 2022, the home offers 4,751 sqft of living space on a 0.43 acres lot.

Agent Description

Welcome to 4049 Indian Bayou North, priced below appraised value, this is a completely reimagined waterfront residence where luxury, comfort, and the Florida lifestyle converge. This home has undergone a custom renovation with no surface untouched. Every detail-from refined finishes to state-of-the-art upgrades-has been curated to deliver an elevated living experience.

Located along a quiet, deepwater canal, the property offers direct boating access to Choctawhatchee Bay. Near the end of this tranquil road, enjoy limited pass-through traffic. A private dock with covered boat and jet ski lifts plus an industrial-grade KillerDock cleaning station make it ideal for water enthusiasts.

Inside, the open layout includes 5 spacious bedrooms, 4 full and 1 half bathrooms,a dedicated office, a chef's kitchen with Viking appliances, and a gorgeous saltwater pool with lounger and baja shelf just outside. The open-concept living and dining areas are anchored by a sleek gas fireplace and custom shiplap detailing, with wide-plank luxury flooring running throughout.

Step through the back door into an outdoor oasis designed for entertaining. The covered lanai features dual oversized ceiling fans, lighting, and a full outdoor kitchen with built-in gas grill, hood vent, sink, refrigerator, and custom cabinetry. The pool includes a tanning ledge, lighting, and paver decking framed by lush landscaping and privacy fencing.

Beyond the pool is a backyard putting green with chipping zones and a real sand trap, enhanced by accent lighting for evening ambiance. The detached guest house includes a private living room, wet bar, half bath, and separate entrance - ideal for a mother-in-law suite or office.

Additional features include a Generac generator, irrigation, landscape lighting, tankless water heater, and plantation shutters. The oversized garage accommodates vehicles, water toys, and storage. No HOA restrictions, yet nestled in a peaceful, upscale neighborhood near beaches, golf, and shopping. Recently added full yard water softener and 30 amp shore power at the dock.

Key Features

  • Built in 2022
  • 0.43 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
4 full, 2 half
2022

Amenities

FireplaceWaterfrontHardwoodA/C

Monthly Cost Estimate

$17,109/mo

20% down · 6.5% · 30 years

Principal$2,314
Interest$13,862
Insurance$933

Estimates only. Actual payments may vary.

Location

4049 N Indian Bayou

Destin, FL 32541

MORENO ACRES S/D

Features & Amenities

Interior Features

Breakfast BarCeiling RaisedCeiling Tray/CofferdFireplaceKitchen IslandPantrySplit BedroomWasher/Dryer Hookup

Exterior Features

Rain GutterDockFenced Back YardPool - Gunite ConcrtSprinkler SystemSummer Kitchen

Property Details

Flooring

CarpetTileHardwood

Construction

Brick Siding CmntFbrHrdBrd Trim Aluminum

Pool Features

PorchPatio

Parking

GarageOversize

Cooling

Central Air

Appliances

Auto Garage Door OpnDishwasherDryerMicrowaveRefrigeratorStove/Oven GasWasherWine RefrigeratorWater Heater - Tnkls

Questions & Answers

This 5-bedroom, 5-bathroom single family at 4049 N Indian Bayou is listed at $3,199,000 ($673/sqft). The estimated monthly payment is $13,862 based on 20% down at 6.5% interest.

Key features include: Built in 2022, 0.43 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: Breakfast Bar, Ceiling Raised, Ceiling Tray/Cofferd. Exterior Features: Rain Gutter, Dock, Fenced Back Yard.

This property is listed by Cora J Rasmussen and can be reached at 2535092516 or corarasrealtor@gmail.com.

CR

Cora J Rasmussen

Agent at Realty ONE Group Emerald Coast

(253) 509-2516

Listed by Realty ONE Group Emerald Coast · View on Broker Site

MLS# 989969· Source: listhub· Updated 367 days ago

Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

4049 N Indian Bayou, Destin, FL 32541

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