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$3,199,000

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
  • 2 Partial Baths
  • 4,751 Sq. Ft.
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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.

Full Property Details for 4049 N Indian Bayou N

General

  • Price: $3,199,000
  • Taxes: $25,268 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 989969
  • Updated: 11/26/2025
  • Added to Site: 60 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Dining Room, Kitchen, Living Room, Master Bedroom, Sitting Room
  • Interior Features: Breakfast Bar, Ceiling Raised, Ceiling Tray/Cofferd, Fireplace, Fireplace Gas, Floor Hardwood, Floor Tile, Floor WW Carpet, Kitchen Island, Pantry, Split Bedroom, Washer/Dryer Hookup, Window Treatmnt Some
  • Appliances: Auto Garage Door Opn, Dishwasher, Dryer, Microwave, Refrigerator, Stove/Oven Gas, Washer, Wine Refrigerator

Rooms

Bathrooms

  • Total Bathrooms: 6
  • Full Bathrooms: 4
  • Half Bathrooms: 2

Bedrooms

  • Total Bedrooms: 5

Other Rooms

  • Living Room: Living Room
  • Sitting Room: Sitting Room
  • Kitchen: Kitchen
  • Dining Room: Dining Room

Additional Information

  • Shared Amenities: Fishing, Waterfront
  • Pool: Yes

Exterior

  • Exterior Features: Dock, Fenced Back Yard, Fireplace, Guest Quarters, Patio Covered, Patio Open, Pool - Gunite Concrt, Pool - In-Ground, Porch Open, Rain Gutter, Sprinkler System, Summer Kitchen

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking: Garage, Garage Attached, Oversized

Location

  • Area: 14 - Destin
  • County: Okaloosa
  • Subdivision: Moreno Acres S/D
  • Driving Directions: From 98 turn on main street then right on Indian trail. Follow all the way down until the road becomes Indian Bayou. Property is on the left.

School Information

  • Elementary School: Destin
  • Middle School: Destin
  • High School: Destin

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans, Double Pane Windows, Water Heater - Tnkls

Utilities

  • Utility Description: Electric, Gas - Natural, Public Sewer, Public Water

Structural Information

  • Architectural Style: Contemporary
  • Construction: Brick, Roof Dimensional Shg, Siding CmntFbrHrdBrd, Slab, Trim Aluminum
  • Stories/Levels: 2
  • Square Feet: 4,751
  • Sq. Ft. Source: Appraiser
  • Year Built: 2022

Lot Features

  • Property View: Bayou
  • Lot Size (Acres): 0.43
  • Lot Dimensions: 102 x 191 x 103 x 196
  • Street/Road Desc.: County Road, Paved Road
  • Lot Features: Bulkhead/Seawall, Cleared, Interior, Level, Within 1/2 Mile to Water
  • Zoning: Resid Single Family

Water Features

  • Water Front Type: Bayou

Financial Considerations

  • Tax Amount: $25,268
  • Tax Year: 2024
  • Terms: Conventional

Disclosures and Reports

  • Legal Description: INDIAN CREEK S/D LOT 4
  • APN: 00-2S-22-1244-0000-004A

Listed by Realty ONE Group Emerald Coast

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Listing agents

— 4049 N Indian Bayou N —

  • Realty ONE Group Emerald Coast

  • Realty ONE Group Emerald Coast

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 4049 N Indian Bayou N

School District:Okaloosa County School District
NameGradesDistance
Destin Elementary School
630 Kelly Street, Destin, FL 32541
PK-41.8 mi
Destin Middle School
4608 Legendary Marina Drive, Destin, FL 32541
5-82.1 mi
Fort Walton Beach High School
400 Hollywood Boulevard Southwest, Fort Walton Beach, FL 32548
9-1210.7 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 4049 N Indian Bayou N Get Price Alerts and Save Property

Date
Details
Price
Change
Source
11/26/2025
Price Reduced
$3,199,000
-1.54%
MLS
11/19/2025
Listed
$3,249,000
116.6%
MLS
10/11/2023
Sold
$1,500,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 4049 N Indian Bayou N

Year
Property Taxes
Change
Tax Assessment
Change
2025
$10,441
3%
$920,611
3%
2024
$10,141
61%
$894,666
59%
2023
$6,281
4%
$564,283
4%
2022
$6,056
—
$541,000
3%
2021
$6,050
—
$525,243
1%
2021
$6,050
2%
$517,991
2%
2019
$5,944
—
$506,345
2%
2018
$5,920
-27%
$498,654
-20%
2017
$8,110
28%
$620,549
18%
2016
$6,337
-1%
$524,553
1%
2015
$6,420
-1%
$520,907
1%
2014
$6,459
1%
$517,755
2%
2013
$6,410
—
$510,103
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 4049 N Indian Bayou N

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Listed by Realty ONE Group Emerald Coast

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4049 N Indian Bayou N, Destin, FL 32541 (MLS# 989969) is a Single Family property with 5 bedrooms, 4 full bathrooms and 2 partial bathrooms. 4049 N Indian Bayou N is currently listed for $3,199,000 and was received on November 19, 2025. Want to learn more about 4049 N Indian Bayou N? Do you have questions about finding other Single Family real estate for sale in Destin? You can browse all Destin real estate or contact a Coldwell Banker agent to request more information.

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