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4049 N Indian Bayou, Destin, FL 32541

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For Sale

$3,300,000

5 beds • 4 baths • 2 half baths • 4,751 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • $694.59
    Price per square foot

  • 1-5 Years Old
    Age

  • Fireplace
    Fireplace

Explore this Property

Welcome to 4049 Indian Bayou North, 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. 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.
MLS# 977613

Courtesy Of Realty ONE Group Emerald Coast

(850) 842-3211

Property Features

  • Age
    1-5 Years Old
  • Amenities
    Dock, Porch, Patio, Sprinkler System, Ceiling Fan, Water Front
  • Appliances
    Dishwasher, Dryer, Microwave, Oven - Gas, Refrigerator, Refrigerator - Wine Storage, Washer
  • Architecture Style
    Other
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Brick
  • Fireplace
    Fireplace
  • Floor Covering
    Carpet, Hardwood, Tile, Wood
  • Lot Size
    0.45 Acres
  • Rooms
    Dining Room, Kitchen, Living Room

Map and Directions

Directions to 4049 N Indian Bayou, Destin, FL 32541

Home seller CENTURY 21 AllPoints Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 AllPoints Realty

(850) 230-4514
Learn More About Us

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Monthly Payment Breakdown

  • Principle and Interest
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  • Hazard Insurance
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  • Private Mortgage Insurance
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  • HOA Dues
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Copyright © 2025 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. 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. 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.

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This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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