Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

Agent profile image in message

4049 N Indian Bayou , Destin, FL 32541
$2,999,999
Est. Payment: $15,215.43/mo
5 Bed
6 Bath
4864 Sqft
Status: active | Days on site: 9
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Every element of this extensively renovated waterfront residence has been thoughtfully curated to create an exceptional living experience where luxury meets effortless coastal living. Positioned along a quiet deepwater canal with direct access to Choctawhatchee Bay, this turnkey property offers the freedom of boating from your own backyard while remaining just minutes from the area's renowned beaches, golf courses, shopping and dining. Inside, the open-concept floor plan is designed for both everyday comfort and entertaining on a grand scale. Wide-plank luxury flooring flows throughout the home, connecting spacious living and dining areas centered around a sleek gas fireplace with custom shiplap detailing. The chef's kitchen is equipped with premium Viking appliances and overlooks the main gathering spaces, while five generously sized bedrooms, four full bathrooms, two half baths and a dedicated office provide flexibility for families and guests alike. The outdoor living spaces rival those of a private resort. A covered lanai with dual oversized ceiling fans, lighting and a fully equipped outdoor kitchen creates the perfect setting for alfresco dining, while the saltwater pool features a Baja shelf, tanning ledge, integrated lighting and expansive paver decking, surrounded by lush landscaping and privacy fencing. Beyond the pool, a custom putting green with chipping areas and a genuine sand trap offers endless recreation day or night thanks to thoughtfully placed accent lighting. Water enthusiasts will appreciate the private dock, complete with covered boat and jet ski lifts, a 30-amp shore power connection, and an industrial-grade KillerDock cleaning station for effortless days on the water. A detached pool house with its own private entrance, living area, wet bar, and half bath offers exceptional versatility, serving equally well as a private guest retreat, hobby space, or seamless extension of the outdoor living area surrounding the pool. Additional highlights include an oversized garage with ample room for vehicles and water toys, a whole-yard water softener, Generac generator, tankless water heater, irrigation system, landscape lighting and plantation shutters throughout. With no HOA restrictions and an unmatched combination of premium upgrades, exceptional outdoor amenities and direct boating access, this remarkable waterfront property offers a rare opportunity to enjoy the very best of the Florida lifestyle.

Highlights

Listed by Corey C Ledbetter , 850-240-2449 Scenic Sotheby's International Realty , 850-231-6052. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.45

Year Built

2022

County

Okaloosa

Area

14 - Destin

Neighborhood

Indian Creek S/D

Listing ID

1008138

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:6
  • Full Bathrooms:4
  • 1/2 Bathrooms:2
Appliances:Auto Garage Door Opn, Dishwasher, Dryer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:Fireplace Gas,Fireplace
Floor:Floor Hardwood,Floor Tile,Floor WW Carpet
Other:
  • Additional:Breakfast Bar, Ceiling Raised, Ceiling Tray/Cofferd, Kitchen Island, Pantry, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Bulkhead/Seawall,Interior,Within 1/2 Mile to Water,Bayou
Lot Dimensions:102x191x103x196
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Boatlift, Dock, Fenced Back Yard, Pool - Gunite Concrt, Sprinkler System, Summer Kitchen, Patio Open, Porch Open
Sewer:Public Sewer
Parking Features:Garage
Principal Interest
$15,215
Taxes
$1,912

Home Price

$2,999,999

Loan Details

30 yrs
6.529%

Down Payment

20%
$600,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$15,215.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $15,215.43 $1,912.50 $0.00 $17,127.93
Yearly $182,585.15 $22,949.99 $0.00 $205,535.14
Total $5,477,554.40 $688,499.77 $0.00 $6,166,054.17

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Destin, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

© 2026 Emerald Coast Multiple Listing Services