CTO Insider Greathouse Buys 600 Shares; Ownership Now 184,889

Rhea-AI Filing Summary

Steven R. Greathouse, SVP & Chief Investment Officer and Director of CTO Realty Growth, Inc. (CTO), purchased additional company common stock. On 09/12/2025 he acquired 600 shares at $16.70 per share. After this purchase his reported beneficial ownership is 184,889 shares, which includes 30,001 restricted shares that vest over time and were previously reported. The Form 4 was signed by an attorney-in-fact on behalf of Mr. Greathouse.

Positive

• Insider purchase reported: 600 shares acquired at $16.70, showing insider buying activity
• Clear ownership disclosure: Beneficial ownership reported as 184,889 shares, including 30,001 restricted shares that vest over time
• Form filed and signed: Filing executed by attorney-in-fact, providing required disclosure

Negative

• None.

Insights

Securities Analyst

TL;DR: Insider purchased a small number of shares, modestly increasing beneficial ownership to 184,889 shares.

The reported 600-share purchase at $16.70 is a routine insider acquisition and represents a minor increase relative to total reported holdings. Inclusion of 30,001 restricted shares clarifies the composition of his stake; those shares remain subject to vesting. This Form 4 provides transparency about ownership changes but does not indicate a material shift in control or capital structure.

Corporate Governance Expert

TL;DR: Disclosure is complete for the transaction and ownership composition; transaction appears routine.

The filing properly reports transaction date, transaction code, number of shares acquired, price, and post-transaction beneficial ownership including previously disclosed restricted shares. Signature by an attorney-in-fact is noted. From a governance and compliance standpoint the Form 4 meets reporting requirements and documents an incremental insider purchase without further qualifiers.

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^*

Greathouse Steven Robert

(Last) (First) (Middle)

1104 N. WILLIAMSON BLVD.

SUITE 140

(Street)

DAYTONA BEACH FL 32114

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP & CHIEF INVESTMENT OFFICER

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

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

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

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

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	09/12/2025		P		600	A	$16.7	184,889(1)	D

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. This amount includes 30,001 shares of restricted common stock which vest over time, which were previously reported.

	/s/ Daniel E. Smith, attorney-in-fact for Steven R. Greathouse	09/12/2025
	** 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.

FAQ

What did Steven R. Greathouse report on Form 4 for CTO Realty Growth (CTO)?

He reported acquiring 600 shares of CTO common stock on 09/12/2025 at a price of $16.70, bringing his beneficial ownership to 184,889 shares.

How many of Mr. Greathouse's shares are restricted?

30,001 shares are restricted and vest over time; these were previously reported and are included in the 184,889 total.

Does the filing indicate a change in control of CTO Realty Growth?

No. The Form 4 reports a routine purchase of 600 shares and does not indicate any change in control.

Who signed the Form 4 filing for Steven R. Greathouse?

The form was signed by Daniel E. Smith, attorney-in-fact for Steven R. Greathouse, on 09/12/2025.

What was the transaction code reported on the Form 4?

Transaction code P was used, indicating a purchase.