




4345 Bahia Ln, Destin, FL, 32541
About This Home
This stunning 4-bedroom, 3.5-bath townhome located within Kelly Plantation, in the Brownstone section, overlooks the Bay, a serene Nature Preserve, and the 3rd hole of the Kelly Plantation Golf Course. Offering just under 2,900 square feet of thoughtfully designed living space, this home combines coastal elegance with modern functionality in one of Destin's most prestigious gated communities. The residence features an elevator, a two-car garage with space for a golf cart, and numerous upgrades including a custom master closet, two balconies on the second and third levels, and brick pavers in the fenced backyard. Perfectly designed for everyday living and entertaining, the expansive second-floor kitchen and living area boast a Wolf gas range, Subzero refrigerator, Bosch dishwasher, and abundant custom cabinetry, creating a space that is as functional as it is beautiful. The open-concept interior is bathed in natural light, with soaring ceilings, wide-plank hardwood floors, and a serene, airy palette. The main living area centers around a fireplace adorned with shiplap detailing and a custom wood mantle, flowing effortlessly to the second-level balcony where breathtaking views and a peaceful atmosphere provide the perfect retreat. Upstairs, the primary suite is a luxurious sanctuary with a spa-inspired ensuite featuring a soaking tub, walk-in shower, dual vanities, and a generously sized walk-in closet. The third-level balcony extends the living space outdoors, providing an additional private retreat with serene views. Three additional bedrooms and two full baths offer comfortable accommodations, while a versatile bonus room provides endless possibilities for a media room, office, or fitness space. Outdoor living is enhanced by a fenced backyard, ideal for children or pets, paired with low-maintenance landscaping for a lock-and-leave lifestyle. Additional highlights include a well-appointed laundry room and abundant storage throughout. Residents of Kelly Plantation enjoy world-class amenities, including a championship golf course, scenic walking trails, pickleball, five clay tennis courts with LED lighting, a bayfront boardwalk, resort-style pool, fitness center, and clubhouse. This exceptional home presents a rare opportunity to own a move-in-ready residence that seamlessly blends elevated coastal living, sophisticated design, and unparalleled convenience in one of Destin's most coveted communities.
Getting Around
Schools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2013
Materials
- Roof: Composition,Roof Pitched
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: Third
- Area: 132
- Dimensions: 12 x 11
Bedroom
- Level: Third
- Area: 330
- Dimensions: 22 x 15
Bedroom
- Level: First
- Area: 132
- Dimensions: 12 x 11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Vaulted Ceiling(s),Kitchen Island,Split Bedroom,Elevator
- Flooring: Hardwood,Carpet
- Fireplace: Yes
- Attic: Pull Down Stairs
Garage
- Level: First
- Area: 484
- Dimensions: 22 x 22
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,842
- Total interior livable area: 2,842 sqft
Master Bedroom
- Level: Third
- Area: 195
- Dimensions: 15 x 13
Other
- Level: Second
- Area: 210
- Dimensions: 21 x 10
Property
Details
- Parcel number: 002S22206000000020
- Zoning description: Resid Multi-Family
Features
- Stories: 3
- Exterior features: Balcony
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
Parking
- Total spaces: 2
- Parking features: Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Tornado
- Coastal Flooding
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,803 | $57,636 |
| Home Insurance * | $144 | $1,728 |
| Property Taxes | $745 | $8,940 |
| Electricity | $286 | $3,432 |
| Total | $5,978 | $71,736 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-13 | Listed for sale | $975,000 |
| 2020-06-24 | Sold | $615,900 |
