Listing provided courtesy of Realty ONE Group Emerald Coast- MLS# 989969MLS Provider

4049 N Indian BayouDestin, FL 32541

Single Family · 5 Beds · 4 Full Baths · 2 Half Baths · 4,751 Sq. ft. | 0.43 Acres
$3,199,000 Active

4049 N Indian Bayou Overview

Time on Site:
222 days
Visits:
2

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.

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4049 N Indian Bayou Facts & Features

  • Type Single Family
  • Sq. ft. 4,751
  • Price/Sq.ft. $673
  • Lot 0.43 Acres

Details

General

School Information

  • Elementary School: Destin
  • Middle Or Junior School: Destin
  • High School: Destin

Listing Information

  • Buyer Financing: Conventional

Building Information

  • New Construction: false
  • Year Built: 2022

Location/Region

  • County Or Parish: Okaloosa
  • MLS Area Major: 14 - Destin
  • MLS Area Minor: 1403 - Destin Northwest
  • Subdivision Name: MORENO ACRES S/D

Community/Development

  • Community Features: Fishing,Waterfront

Tax Information

  • Tax Annual Amount: 25268.43
  • Tax Year: 2024

General Information

  • Parcel Number: 00-2S-22-1244-0000-004A
  • Property Condition: Construction Complete
  • Property Sub Type: Detached Single Family
  • Property Type: Residential
  • Zoning: Resid Single Family

Interior

Parking Information

  • Garage Spaces: 2.0

Beds/Baths

  • Bathrooms Full: 4
  • Bathrooms Half: 2
  • Bathrooms Total: 6
  • Bedrooms Total: 5

Building Interior

  • Building Area Source: Appraiser
  • Building Area Total: 4751.0

General Information

  • Appliances: Auto Garage Door Opn,Dishwasher,Dryer,Microwave,Refrigerator,Stove/Oven Gas,Washer,Wine Refrigerator,Water Heater - Tnkls
  • Interior Features: Breakfast Bar,Ceiling Raised,Ceiling Tray/Cofferd,Fireplace,Kitchen Island,Pantry,Split Bedroom,Washer/Dryer Hookup
  • Rooms Total: 8
  • Stories: 2
  • Window Features: Window Treatmnt Some,Double Pane Windows

Exterior

Parking Information

  • Parking Features: Garage,Oversized

Lot Information

  • Lot Features: Bulkhead/Seawall,Cleared,Interior,Level,Within 1/2 Mile to Water
  • Lot Size Acres: 0.43
  • Lot Size Area: 0.43
  • Lot Size Dimensions: 102x191x103x196
  • Lot Size Square Feet: 18730.8
  • Lot Size Units: Acres
  • Road Surface Type: Paved

Waterfront/View

  • View: Bayou
  • Waterfront Features: Bayou
  • Waterfront: true

Building Exterior/Construction

  • Architectural Style: Contemporary
  • Attached Garage: true
  • Construction Materials: Brick,Siding CmntFbrHrdBrd,Trim Aluminum

General Information

  • Carport: false
  • Exterior Features: Rain Gutter,Dock,Fenced Back Yard,Pool - Gunite Concrt,Sprinkler System,Summer Kitchen
  • Other Structures: Guest Quarters
  • Pool Features: Pool - In-Ground,Pool Type
  • Road Frontage Type: County Road
  • Utilities: Electric,Gas - Natural,Public Water

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

Room: Bedroom

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

Room: Bedroom

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

Room: Dining Room

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

Room: Kitchen

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

Room: Living Room

  • Level: First
  • Dimensions: 20 x 18
  • Length: 20.00
  • Width: 18.00

Room: Master Bedroom

  • Level: First
  • Dimensions: 14 x 12
  • Length: 14.00
  • Width: 12.00

Room: Sitting Room

  • Level: First
  • Dimensions: 12 x 12
  • Length: 12.00
  • Width: 12.00

4049 N Indian Bayou Neighborhood

Community

32541 (Destin) Demographics

42
Median Age
1,066
Population Density (per sq. mile)
56%
College Educated
$84,865
Estimated Median Income
5,459
Estimated Total Home Owners
2,858
Estimated Total Renters
66% / 34%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

4049 N Indian Bayou Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

4049 N Indian Bayou Market Data

Based on the last 30 days in this zip code

$1,023,083
Average List Price
$527
Average Price per Square Foot
73
Properties Sold
147
Average Days on Market
808
Properties for Sale
Calculations provided by Reliance Network

4049 N Indian Bayou History

Date Event Value Agent
11/26/2025Source: Emerald Coast MLS Price Reduction
$3,199,000 -1.5%
11/19/2025Source: Emerald Coast MLS Added to Database
November 19, 2025