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Harrison Lilly

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

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4207 Indian Bayou Trl Unit 2804 , Destin, FL 32541
$309,500
Est. Payment: $1,569.73/mo
2 Bed
2 Bath
970 Sqft
Status: active | Days on site: 128
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Searching for a 2-bed condo in Destin FL approved for short-term rental with Gulf views and resort amenities? Residence 2804 at The Palms of Destin offers a fully renovated 8th-floor unit with sunset views over the City of Destin and partial Gulf views. Updated in 2025 and offered at $329,000, this turnkey property also features potential VA-assumable financing at 3.5% for qualified buyers, creating a rare opportunity for investors or second-home owners near Destin beaches. Unit 2804 at The Palms of Destin Resort and Conference Center offers sunset views, modern updates, and strong investment potential in one of Destin's most amenity-rich communities. Located on the 8th floor at 4207 Indian Bayou Trail, this west-facing 2-bedroom, 2-bath condominium features 970 square feet of thoughtfully designed living space with sweeping views across the City of Destin and partial Gulf views in the distance. The interior was fully renovated in 2025 with new flooring, fresh interior paint, updated bedroom furnishings, curated artwork, refreshed kitchenware, balcony furniture, and three smart televisions. The efficient layout supports both vacation stays and short-term rental use while remaining easy to maintain. From the private balcony, owners and guests can enjoy colorful sunset skies over the Destin skyline and a relaxed coastal atmosphere after a day at the beach. Residents and guests enjoy resort-style amenities including a lagoon-style zero-entry pool, expansive sunbathing areas, on-site dining at the Blue Lagoon restaurant, a fitness center, tennis courts, landscaped recreation areas, and a seasonal shuttle service to nearby beaches, restaurants, shopping, and entertainment. Beach access is located directly across the street at June White Decker Public Beach Access on Restaurant Row. Many prefer Henderson Beach State Park, which is also nearby and offers miles of protected shoreline and scenic coastal dunes. Quarterly HOA dues of $3,598.18 include electricity, water, sewer, cable television, internet service, building insurance, security, groundkeeping, management, and recreational facilities. The one-time new buyer fee is $1,199.40 and 2025 property taxes were $2,850.95.

Highlights

Listed by Eric L Hanson , 850-502-3742 Coldwell Banker Realty , 850-650-4563. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Okaloosa

Area

14 - Destin

Neighborhood

The Palms Of Destin

Listing ID

996993

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Warranty Provided, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Laminate,Floor Tile
Other:
  • Additional:Breakfast Bar, Newly Painted, Washer/Dryer Hookup

Exterior Features

Others:
  • Additional:Balcony
Sewer:Public Sewer
Principal Interest
$1,570
Taxes
$247
HOA
$0

Home Price

$309,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$61,900
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:
$1,569.73

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,569.73 $247.48 $0.00 $1,817.20
Yearly $18,836.71 $2,969.74 $0.00 $21,806.45
Total $565,101.22 $89,092.20 $0.00 $654,193.42

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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

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