CTO Realty Growth (CTO) Registration Filing summary

Company overview and business model

• Publicly traded, self-managed equity REIT focused on high-quality retail and mixed-use properties in growth markets with favorable business climates.

• As of September 30, 2024, owned and managed 22 commercial properties across seven states, totaling 4.6 million square feet.

• Generates income from property ownership, commercial loans, preferred equity, and management services, including a significant interest in Alpine Income Property Trust (PINE).

• Recently sold mitigation credits and a large portfolio of subsurface mineral interests, now providing management services for those assets.

Financial performance and metrics

• Incorporated by reference are the Annual Report on Form 10-K for the year ended December 31, 2023, and Quarterly Reports on Form 10-Q for periods ended March 31 and June 30, 2024.

• As of September 30, 2024, 29,971,538 shares of common stock and 4,713,069 shares of Series A Preferred Stock were outstanding.

• Investment in PINE valued at $43.0 million as of September 30, 2024.

Use of proceeds and capital allocation

• Net proceeds from securities offerings will be used for general corporate purposes, including acquisitions, debt repayment, and working capital.

• Specific allocation of proceeds will be detailed in future prospectus supplements.