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$314,900
4207 Indian Bayou Trail 2804
Destin, FL 32541
MLS# 996993
2 beds  |  2 baths  |  970 sqft


Bright & spacious 2BR/2BA unit with west-facing views of the Gulf & Destin from the balcony.
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Bright & spacious 2BR/2BA unit with west-facing views of the Gulf & Destin from the balcony. Immerse yourself in the tropical oasis of The Palms of Destin, and experience the lush tropical sensations created by the wide variety of palm trees and unique plants that surround a 11,000 sq.ft. lagoon pool. Conveniently situated in the heart of Destin near the pristine natural setting of Henderson State Park, The Palms of Destin adds color and liveliness to your coastal retreat. Totally renovated, including flooring, paint, & furnishings. Shiplap kickplate under the breakfast bar with new barstools. New LED overhead lighting, LED under-cabinet lighting, subway tile backsplash. Stove/oven, microwave, dishwasher, & brand new GE refrigerator. Ample cabinetry, counterspace, & pantry. Brand new cookware, flatware, glass & dishware. New window treatments, furnishings & artwork throughout. Balcony faces west over the Gulf and downtown Destin. Great open concept for easy living or entertaining. Brand new 65" wall-mounted smart TV. Living Area & Kitchen All new furnishings, lighting, artwork, & area rug. Living Area 14 All new overhead pendant lighting. Dining & Living Rooms Spacious & bright primary bedroom with separate sliders to balcony. Everything is brand new, including window treatments with blackout curtains. Gorgeous views from the new king-size bed. New 55" smart TV over new dresser. Plenty of closet space, too. Single marble-top vanity, bath & shower combo. New twin-over-twin bunks, 32" wall-mounted smart TV, area rug & ensuite bath. Cultured marble single vanity. Large, tiled step-in shower. Brand new stacked washer and dryer make laundry a breeze. Accessible from the living area and primary BR, the balcony provides stunning views of the Gulf and downtown Destin. Brand new outdoor furniture & a solar powered lantern for sunset/dusk to nightime enjoyment. Sliders to the primary bedroom in this view (looking south). Views south and west of the Gulf and downtown Destin. Great sunset views as well as weekly (seasonal) fireworks show over Destin's East Pass. The view north with Choctawhatchee Bay in the distance. Facing due west, never miss a stunning sunset. 11,000 foot lagoon-style zero-entry pool with plenty of lounge chairs. View of the pool facing north. Fun for all ages! Offers a great cool-down opportunity for adults, and hours of activity for everyone else. Facing north, with The Palms Villas behind the camera. Soothe those muscles, enjoy a cold beverage, and relax. The onsite restaurant with outdoor/poolside bar. Indoor/outdoor dining and bars for all day nourishment(s) of all kinds. Fully-equipped, clean, and enough equipment you probably never have to wait your turn,. Whether you play a game or a whole set, these courts are kept clean & in excellent condition. Where the kids play, get tired, and go to bed early without complaining. You'd never have to leave this amenity-rich resort, if you didn't want to.

Property 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.

Details
Documents
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 324.64
List Date: 2026-03-05
Current Price: $314,900
List Price: $314,900
Location, Tax and Legal
Unit #: 2804
Sub Area: 1403 - Destin Northwest
Elementary School: Destin
Middle School: Destin
High School: Destin
Legal Description: THE PALMS OF DESTIN RESORT & CONFERENCE CENTER PH 1 UNIT 2804
General Property Info
Sub-Type: Condominium
Design: N/A
SqFt Source: County PA Records
Stories In Unit: 1
# of Units in Bldg: 201
Stories in Building: 12
Unit Floors Above Ground: 8
Immediate Occupancy: Yes
Pre-Const Flip: No
Garage: No
Carport: No
Pool: Yes
Pool Type: Community
Apx SqFt(Htd/Cooled): 970
Bedrooms: 2
Full Baths: 2
Total Bathrooms: 2
Year Built: 2007
Listing Info, Tax & Legal
Homestead: No
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 3598.18
Annual Assessment Amount: 14392.72
Assessment Paid: Quarterly
New Buyer Fee: Yes
New Buyer Fee Amt: 1199.4
New Buyer Fee Paid: $
Last Taxes: 2969.74
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: 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.
Construction Status
Construction Complete: 1
Waterview
Gulf: 1
Project Facilities
BBQ Pit/Grill: 1
Community Room: 1
Dumpster: 1
Elevators: 1
Exercise Room: 1
Game Room: 1
Handicap Provisions: 1
Pavillion/Gazebo: 1
Pets Allowed: 1
Pickle Ball: 1
Picnic Area: 1
Playground: 1
Pool: 1
Short Term Rental - Allowed: 1
Tennis: 1
TV Cable: 1
Construction/Siding
Block: 1
Concrete: 1
Utilities
Electric: 1
Public Sewer: 1
Public Water: 1
TV Cable: 1
Underground: 1
Exterior
Balcony: 1
Assumable Mtg Typ
VA Fixed: 1
Interior
Breakfast Bar: 1
Floor Laminate: 1
Floor Tile: 1
Furnished - All: 1
Newly Painted: 1
Renovated: 1
Washer/Dryer Hookup: 1
Window Treatment All: 1
Financing
Conventional: 1
VA: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Fire Alarm/Sprinkler: 1
Microwave: 1
Oven Self Cleaning: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Stove/Oven Electric: 1
Warranty Provided: 1
Washer: 1
Energy
AC - Central Elect: 1
Ceiling Fans: 1
Double Pane Windows: 1
Heat Cntrl Electric: 1
Tinted Windows: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Tile: 1
Master Bedroom
First: 1
Kitchen
First: 1
Living Room
First: 1
Rooms
Bunk Room: 1
Kitchen: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Fees Include
Accounting: 1
Electricity: 1
Ground Keeping: 1
Insurance: 1
Internet Service: 1
Management: 1
Master Association: 1
Recreational Faclty: 1
Security: 1
Sewer: 1
Trash: 1
TV Cable: 1
Water: 1
Existing Leases
Daily/Weekly: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 14 - Destin
Street #: 4207
Street Name: Indian Bayou
Street Suffix: Trail
State: FL
Zip Code: 32541
County: Okaloosa
Project Name/Subdivision: THE PALMS OF DESTIN
Parcel ID: 00-2S-22-2310-0000-2804
Property Features
Construction Status: Construction Complete
Waterview: Gulf
Project Facilities: BBQ Pit/Grill; Community Room; Dumpster; Elevators; Exercise Room; Game Room; Handicap Provisions; Pavillion/Gazebo; Pets Allowed; Pickle Ball; Picnic Area; Playground; Pool; Short Term Rental - Allowed; Tennis; TV Cable
Exterior: Balcony
Interior: Breakfast Bar; Floor Laminate; Floor Tile; Furnished - All; Newly Painted; Renovated; Washer/Dryer Hookup; Window Treatment All
Appliances: Dishwasher; Disposal; Dryer; Fire Alarm/Sprinkler; Microwave; Oven Self Cleaning; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Electric; Warranty Provided; Washer
Utilities: Electric; Public Sewer; Public Water; TV Cable; Underground
Energy: AC - Central Elect; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Tinted Windows; Water Heater - Elect
Master Bedroom: First
Kitchen: First
Living Room: First
Rooms: Bunk Room; Kitchen; Living Room; Master Bathroom; Master Bedroom
Assumable Mtg Typ: VA Fixed
Financing: Conventional; VA
Fees Include: Accounting; Electricity; Ground Keeping; Insurance; Internet Service; Management; Master Association; Recreational Faclty; Security; Trash; TV Cable; Water
Existing Leases: Daily/Weekly
Supplements
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.
Room Information
Room Name Level Dimensions Length Width Remarks Dimensions
Living RoomFirst23 x 1423.0014.00Living/Dining Combo23 x 14
KitchenFirst10 x 910.009.0010 x 9
Master BedroomFirst13 x 1213.0012.0013 x 12
Bunk RoomFirst8 x 78.007.008 x 7
Master BathroomFirst8 x 68.006.008 x 6

Listing Office: Coldwell Banker Realty

Last Updated: March - 28 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.


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