Christopher W. Haga - 02 Jan 2026 Form 4 Insider Report for CTO Realty Growth, Inc. (CTO)

Role: Director
Signature: /s/ Daniel E. Smith, attorney-in-fact for Christopher W. Haga
Issuer symbol: CTO
Transactions as of: 02 Jan 2026
Net transactions value: +$20,936
Form type: 4
Filing time: 02 Jan 2026, 21:45:07 UTC
Previous filing: 03 Oct 2025
Next filing: 13 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Haga Christopher W	Director	1140 N. WILLIAMSON BLVD., SUITE 140, DAYTONA BEACH	/s/ Daniel E. Smith, attorney-in-fact for Christopher W. Haga	02 Jan 2026	0001619039

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CTO	Common Stock	Award	$20,936	+1,162	+4.6%	$18.02	26,475	02 Jan 2026	Direct	F1
holding	CTO	Common Stock						28,520	02 Jan 2026	By The Elizabeth Bennett Haga Irrevocable Trust	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	These shares were issued to the Reporting Person in lieu of his 4th quarter 2025 board retainer fee of $12,500 and committee retainer fees of $8,437.50 pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of the last business day of the calendar quarter, or $18.01750.
F2	The Reporting Person's spouse is both a beneficiary and a trustee of the above-named trust. The Reporting Person disclaims beneficial ownership of the shares of the Issuer's common stock held by said trust, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of the shares of the Issuer's common stock held by said trust for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.

Content

These shares were issued to the Reporting Person in lieu of his 4th quarter 2025 board retainer fee of $12,500 and committee retainer fees of $8,437.50 pursuant to the Issuer's Non-Employee Director Compensation Policy (the "Policy") adopted by the Issuer's board of directors on February 27, 2019 (last amended February 14, 2024). Pursuant to the Policy, the share price utilized to calculate the number of shares issued was the 20-day trailing average closing price as of the last business day of the calendar quarter, or $18.01750.

The Reporting Person's spouse is both a beneficiary and a trustee of the above-named trust. The Reporting Person disclaims beneficial ownership of the shares of the Issuer's common stock held by said trust, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of the shares of the Issuer's common stock held by said trust for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.