CTO Realty Growth director Haga acquires 1,007 shares

Shares were issued in lieu of third-quarter board and committee retainers, with the price based on a 20-day trailing average closing price.

Rhea-AI Filing Summary

CTO Realty Growth, Inc. director Christopher W. Haga acquired 1,007 common shares on October 1, 2026, issued in lieu of third-quarter 2026 board retainer fees of $12,500 and committee retainer fees of $8,437.50. The shares were priced at $20.78050 per share, using the 20-day trailing average closing price as of the last business day of the calendar quarter. His direct holdings after the award were 33,056 shares. The Elizabeth Bennett Haga Irrevocable Trust held 28,520 shares, and Haga disclaimed beneficial ownership of the trust's shares.

Insider Trade Summary

Grant/Award: 1,007 shares

Grant/Award 2 txns

Insider Haga Christopher W

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	1,007	$20.7805	$21K
holding	Common Stock F2	--	--	--

Holdings After Transaction: Common Stock — 33,056 shares (Direct); Common Stock — 28,520 shares (Indirect, By The Elizabeth Bennett Haga Irrevocable Trust)

Footnotes (2)

1. F1. These shares were issued to the Reporting Person in lieu of his 3rd quarter 2026 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 $20.78050.
2. 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.

Key Figures

Award shares: 1,007 common shares Share price: $20.78050 per share Board retainer fee: $12,500 +3 more

6 metrics

Award shares 1,007 common shares Issued October 1, 2026 in lieu of third-quarter 2026 retainer fees.

Share price $20.78050 per share 20-day trailing average closing price used to calculate the shares issued.

Board retainer fee $12,500 Third-quarter 2026 fee paid in shares.

Committee retainer fees $8,437.50 Third-quarter 2026 fees paid in shares.

Direct holdings after award 33,056 shares Christopher W. Haga's direct common-stock holdings after the October 1, 2026 award.

Trust shares 28,520 common shares Held by The Elizabeth Bennett Haga Irrevocable Trust; Haga disclaimed beneficial ownership.

Key Terms

Non-Employee Director Compensation Policy, 20-day trailing average closing price, beneficial ownership

3 terms

Non-Employee Director Compensation Policy financial

"pursuant to the Issuer's Non-Employee Director Compensation Policy"

20-day trailing average closing price financial

"the 20-day trailing average closing price as of the last business day"

beneficial ownership regulatory

"disclaims beneficial ownership of the shares"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many CTO shares did director Christopher W. Haga receive?

Christopher W. Haga acquired 1,007 CTO common shares on October 1, 2026, at $20.78050 per share. The award brought his direct holdings to 33,056 common shares and was issued in lieu of third-quarter 2026 board and committee retainer fees.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/02/2026 - 04:15 PM Accepted by SEC EDGAR 10/02/2026 - 04:15 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Haga Christopher W

(Last) (First) (Middle)

1140 N. WILLIAMSON BLVD.

SUITE 140

(Street)

DAYTONA BEACH FLORIDA 32114

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CTO Realty Growth, Inc. [ CTO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/01/2026		A		1,007	A	$20.7805(1)	33,056	D
Common Stock								28,520	I	By The Elizabeth Bennett Haga Irrevocable Trust(2)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These shares were issued to the Reporting Person in lieu of his 3rd quarter 2026 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 $20.78050.

2. 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.

	/s/ Daniel E. Smith, attorney-in-fact for Christopher W. Haga	10/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)