www.investorvote.com/CTO Step 1: Go to www.investorvote.com/CTO. Step 2: Click on the icon on the right to view meeting materials. Step 3: Return to the investorvote.com window and follow the instructions on the screen to log in. Online Go to www.investorvote.com/CTO or scan the QR code — login details are located in the shaded bar below. Annual Stockholder Meeting Notice 04ABNB Important Notice Regarding the Availability of Proxy Materials for the CTO Realty Growth, Inc. Annual Stockholder Meeting to be Held on June 17, 2026 Under Securities and Exchange Commission rules, you are receiving this notice that the proxy materials for the annual stockholders’ meeting are available on the Internet. Follow the instructions below to view the materials and vote online or request a copy. The items to be voted on and location of the annual meeting are on the reverse side. Your vote is important! This communication presents only an overview of the more complete proxy materials that are available to you on the Internet. We encourage you to access and review all of the important information contained in the proxy materials before voting. The Notice of Annual Meeting of Stockholders, 2026 Proxy Statement and 2025 Annual Report are available at: Obtaining a Copy of the Proxy Materials – If you want to receive a copy of the proxy materials, you must request one. There is no charge to you for requesting a copy. Please make your request as instructed on the reverse side on or before June 5, 2026 to facilitate timely delivery. 2NOT Easy Online Access — View your proxy materials and vote. When you go online, you can also help the environment by consenting to receive electronic delivery of future materials. The Sample Company Step 4: Make your selections as instructed on each screen for your delivery preferences. Step 5: Vote your shares.

Here’s how to order a copy of the proxy materials and select delivery preferences: Current and future delivery requests can be submitted using the options below. If you request an email copy, you will receive an email with a link to the current meeting materials. PLEASE NOTE: You must use the number in the shaded bar on the reverse side when requesting a copy of the proxy materials. — Internet – Go to www.investorvote.com/CTO. — Phone – Call us free of charge at 1-866-641-4276. — Email – Send an email to investorvote@computershare.com with “Proxy Materials CTO Realty Growth, Inc.” in the subject line. Include your full name and address, plus the number located in the shaded bar on the reverse side, and state that you want a paper copy of the meeting materials. To facilitate timely delivery, requests for a paper copy of proxy materials must be received by June 5, 2026. CTO Realty Growth, Inc.’s Annual Meeting of Stockholders will be held on June 17, 2026, at 11:00 a.m. Eastern Time, virtually via the Internet at www.meetnow.global/M24KY7F. Proposals to be voted on at the meeting are listed below along with the Board of Directors’ recommendations. The Board of Directors recommend a vote FOR all the nominees listed and FOR Proposals 2, 3 and 4: 1. Election of Directors: 01 - Mr. John P. Albright 02 - Mr. George R. Brokaw 03 - Mr. Christopher J. Drew 04 - Ms. Laura M. Franklin 05 - Mr. Christopher W. Haga 06 - Mr. R. Blakeslee Gable 2. Approve, on a non-binding advisory basis, the compensation of our named executive officers for the year ended December 31, 2025. 3. Ratify the appointment of Grant Thornton LLP as our independent registered public accounting firm for fiscal year 2026. 4. Approve the CTO Realty Growth, Inc. Sixth Amended and Restated 2010 Equity Incentive Plan, replacing the Company’s Fifth Amended and Restated 2010 Equity Incentive Plan. PLEASE NOTE – YOU CANNOT VOTE BY RETURNING THIS NOTICE. To vote your shares you must go online or request a paper copy of the proxy materials to receive a proxy card. Stockholder Meeting Notice