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4345 Bahia Ln, Destin, FL, 32541

4beds
4baths
2,842sqft
$949,900
$334price/sqft
$5,978/moest. monthly cost
$239,120/yrincome needed

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

7
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
Destin Middle SchoolGrades 5-80.5 mi
5/10
10/10
Destin Elementary SchoolGrades PK-43.5 mi

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Heat Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Okaloosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $4,803$57,636
Home Insurance *$144$1,728
Property Taxes $745$8,940
Electricity $286$3,432
Total$5,978$71,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,960/yr
40% on housing$179,340/yr
45% on housing$159,413/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$334This listing

vs Other Active Listings

Avg $/sqft

ZIP 32541$410
Okaloosa County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 32541$401
Okaloosa County$205

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

DateEventPrice
2026-04-13Listed for sale$975,000
2020-06-24Sold$615,900

For Sale by Agent

AgentJessica Mackrael
BrokerageColdwell Banker Realty

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