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style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;line-height:1.28;margin-bottom:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.28;text-align:center;margin:0pt 0pt 1pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:8pt;font-weight:bold;">Registrant&#8217;s Telephone Number, including area code</b><b style="font-family:'Times New Roman','Times','serif';font-size:9pt;font-weight:bold;"><br /></b><b style="font-family:'Times New Roman','Times','serif';font-size:9pt;font-weight:bold;">(</b><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" name="dei:CityAreaCode" id="Narr_co9djKdE-kaV7Ntpw3gOjA"><b style="font-family:'Times New Roman','Times','serif';font-size:9pt;font-weight:bold;">386</b></ix:nonNumeric><b style="font-family:'Times New 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style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" format="ixt-sec:boolballotbox" name="dei:PreCommencementIssuerTenderOffer" id="Narr_JbdpLSk7SkmQ9iKQS__91A"><span style="font-family:'Segoe UI Symbol';font-size:10pt;">&#9744;</span></ix:nonNumeric></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Securities Registered Pursuant to Section 12(b) of the Act</b></p><a id="_aeb5d917_5223_4001_9772_8781cb31a371"></a><a id="Tc_g8brRR7y2kCcyhBv6v8ikA_1_0"></a><a id="Tc_09DN6plcUEW1khI9l1U_Tw_1_1"></a><a id="Tc_Vnj2xH4tWEOcVVmBnunKTg_1_2"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:5.75pt;padding-right:5.75pt;table-layout:auto;width:100%;"><tr style="height:1pt;"><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:28.84%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></th></tr><tr><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt 0pt 1pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Title of each class</b></p></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:28.84%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt 0pt 1pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Trading Symbol</b></p></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt 0pt 1pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Name of each exchange on which registered</b></p></th></tr><tr style="height:5.4pt;"><td style="vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt 0pt 1pt 0pt;"><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" name="dei:Security12bTitle" id="Tc_OQhIixyjDkqH28N8FS8azA_2_0"><span style="font-family:'Times New Roman','Times','serif';font-size:9pt;">COMMON STOCK, $1.00 PAR VALUE</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:28.84%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt 0pt 1pt 0pt;"><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" name="dei:TradingSymbol" id="Tc_rCiEb58_oEyo9rKh2S149A_2_1"><span style="font-family:'Times New Roman','Times','serif';font-size:9pt;">CTO</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:35.57%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt 0pt 1pt 0pt;"><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" name="dei:SecurityExchangeName" id="Tc_IhGhST4cnkWW684BUAds8w_2_2"><span style="font-family:'Times New Roman','Times','serif';font-size:9pt;">NYSE</span></ix:nonNumeric></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:6pt 0pt 6pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-indent:18pt;margin:6pt 0pt 6pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;">Emerging growth company </span><ix:nonNumeric contextRef="Duration_3_10_2021_To_3_10_2021_IosSTZ5y_UyG3LuN7F7euA" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="Narr_r_ZTub_HzUu-uTq77HBXcg"><span style="font-family:'Segoe UI Symbol';font-size:10pt;">&#9744;</span></ix:nonNumeric></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:6pt 0pt 6pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="font-family:'Segoe UI Symbol';">&#9744;</span></p><div style="margin-bottom:10pt;padding-bottom:1.0px;border-bottom:1.0pt solid #000000;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:1pt;padding-left:18pt;text-indent:-18pt;border-bottom:3.0pt solid #000000;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.28;margin-bottom:8pt;visibility:hidden;">&#8203;</span></p></div><p style="display:none;line-height:0pt;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:0pt;line-height:1.28;margin-bottom:8pt;visibility:hidden;">&#8203;</span></p><a id="_3b58e0ff_5238_4029_b9dd_4e2848ebe804"></a></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:76.47%;border:0;margin:30pt 11.76% 30pt 11.76%;"></div><div style="max-width:100%;padding-left:11.76%;padding-right:11.76%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:54pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Item 1.01.</b></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Entry into a Material Definitive Agreement.</b></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">On March 10, 2021, CTO Realty Growth, Inc. (the &#8220;Company&#8221;) and certain subsidiaries of the Company entered into a Sixth Amendment to the Second Amended and Restated Credit Agreement and Joinder (the &#8220;Sixth Amendment&#8221;), which further amends that certain Second Amended and Restated Credit Agreement dated as of September 7, 2017, by and among the Company, as borrower, certain subsidiaries of the Company that are parties thereto, as guarantors, and Bank of Montreal, as administrative agent, L/C Issuer and Swing Line lender, and the other lenders party thereto (as amended, the &#8220;Credit Agreement&#8221;).</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">The Credit Agreement, as amended by the Sixth Amendment, provides that, among other things:</span></p><table style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><span style="color:#000000;font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">the revolving credit commitment of the lenders shall be increased by $10 million to $210 million;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><span style="color:#000000;font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">the addition of Term Loan Commitments and making of Term Loans from the Term Loan Lenders (each as defined in the Credit Agreement) in the aggregate amount of $50 million; </span></td></tr></table><table style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><span style="color:#000000;font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">Updates to the Securities Overnight Financing Rate (&#8220;SOFR&#8221;) provisions; and</span></td></tr></table><table style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><span style="color:#000000;font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">the joinder of The Huntington National Bank as a Term Loan Lender and Revolving Lender each as defined in the Credit Agreement.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">The foregoing description of the Sixth Amendment does not purport to be complete and is qualified in its entirety by reference to the complete text of the Second Amendment, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:54pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Item 2.03.</b></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</b></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">The information provided in Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:54pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Item 7.01.</b></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Regulation FD Disclosure.</b></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">On March 10, 2021, the Company issued a press release regarding the entry into the Second Amendment. A copy of the press release is furnished as Exhibit 99.1 to Current Report on Form 8-K.</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:54pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Item 9.01.</b></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:10pt;margin-top:10pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;">Financial Statements and Exhibits.</b></p></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:10pt 0pt 10pt 0pt;"><span style="display:inline-block;text-indent:0pt;width:36pt;"><i style="color:#000000;font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:normal;line-height:1.19;text-align:left;">(d)</i></span><i style="font-family:'Times New Roman','Times','serif';font-style:italic;">Exhibits</i></p><div style="margin-left:0pt;"><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:5.75pt;padding-right:5.75pt;table-layout:auto;width:100%;"><tr style="height:1pt;"><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:14.32%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:85.67%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></th></tr><tr><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:14.32%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;border-bottom:1px solid #000000;margin:0pt 0pt 1pt 0pt;"><b style="font-weight:bold;">Exhibit No.</b></p></th><th style="font-weight:normal;text-align:left;vertical-align:bottom;width:85.67%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;border-bottom:1px solid #000000;margin:0pt 0pt 1pt 0pt;"><b style="font-weight:bold;">Description</b></p></th></tr><tr><td style="vertical-align:top;width:14.32%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="display:inline-block;text-indent:0pt;width:21.2pt;"></span><a style="-sec-extract:exhibit;" href="cto-20210310xex10d1.htm"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">10.1</span></a></p></td><td style="vertical-align:top;width:85.67%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 5pt 0pt;">Sixth Amendment to Second Amended and Restated Credit Agreement and Joinder, dated as of March 10, 2021.</p></td></tr><tr><td style="vertical-align:top;width:14.32%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="display:inline-block;text-indent:0pt;width:21.2pt;"></span><a style="-sec-extract:exhibit;" href="cto-20210310xex99d1.htm"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;line-height:1.19;text-align:left;">99.1</span></a></p></td><td style="vertical-align:top;width:85.67%;margin:0pt;padding:0pt 5.75pt 0pt 5.75pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt;">Press release issued March 10, 2021.</p></td></tr></table></div><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:1pt;line-height:1.28;margin-bottom:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.28;margin-bottom:8pt;visibility:hidden;">&#8203;</span></p><a id="_5f1e3609_09fc_4406_ae81_2249301f5a77"></a></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:76.47%;border:0;margin:30pt 11.76% 30pt 11.76%;"></div><div style="max-width:100%;padding-left:11.76%;padding-right:11.76%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">SIGNATURES</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:18pt;margin:10pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></p><div style="margin-left:0pt;"><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:48.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">Date: March 12, 2021</p></td><td colspan="2" style="vertical-align:bottom;width:53.84%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><b style="font-weight:bold;">CTO Realty Growth, Inc.</b></p></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:48.45%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">By:</p></td><td style="vertical-align:bottom;width:48.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">/s/Matthew M. Partridge</p></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:48.45%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">Matthew M. Partridge,</p></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:48.45%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">Senior Vice President, Chief Financial Officer and</p></td></tr><tr><td style="vertical-align:bottom;width:46.15%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.39%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:48.45%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1pt 0pt;">Treasurer</p></td></tr></table></div><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-indent:36pt;margin:0pt 0pt 1pt 216pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.28;margin-bottom:8pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-indent:36pt;margin:0pt 0pt 1pt 216pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.28;margin-bottom:8pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.28;margin:0pt 0pt 8pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.28;margin:0pt 0pt 8pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.28;margin:0pt 0pt 8pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p></div></div>
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​
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
March 10, 2021
CTO REALTY GROWTH, INC.
(Exact name of registrant as specified in its charter)
​
Maryland
​
59-0483700
(State or other jurisdiction of
incorporation or organization)
Commission File Number
001-11350
(I.R.S. Employer
Identification No.)
​
​
1140 N. Williamson Blvd.
,
Suite 140
Daytona Beach
,
Florida
32114
(Address of principal executive offices)o
(Zip Code)
​
Registrant's Telephone Number, including area code
(
386
)
274-2202
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities Registered Pursuant to Section 12(b) of the Act
Title of each class
Trading Symbol
Name of each exchange on which registered
COMMON STOCK, $1.00 PAR VALUE
CTO
NYSE
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
​
Item 1.01.
Entry into a Material Definitive Agreement.
On March 10, 2021, CTO Realty Growth, Inc. (the "Company") and certain subsidiaries of the Company entered into a Sixth Amendment to the Second Amended and Restated Credit Agreement and Joinder (the "Sixth Amendment"), which further amends that certain Second Amended and Restated Credit Agreement dated as of September 7, 2017, by and among the Company, as borrower, certain subsidiaries of the Company that are parties thereto, as guarantors, and Bank of Montreal, as administrative agent, L/C Issuer and Swing Line lender, and the other lenders party thereto (as amended, the "Credit Agreement").
The Credit Agreement, as amended by the Sixth Amendment, provides that, among other things:
●
the revolving credit commitment of the lenders shall be increased by $10 million to $210 million;
●
the addition of Term Loan Commitments and making of Term Loans from the Term Loan Lenders (each as defined in the Credit Agreement) in the aggregate amount of $50 million;
●
Updates to the Securities Overnight Financing Rate ("SOFR") provisions; and
●
the joinder of The Huntington National Bank as a Term Loan Lender and Revolving Lender each as defined in the Credit Agreement.
The foregoing description of the Sixth Amendment does not purport to be complete and is qualified in its entirety by reference to the complete text of the Second Amendment, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.
Item 2.03.
Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The information provided in Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.
Item 7.01.
Regulation FD Disclosure.
On March 10, 2021, the Company issued a press release regarding the entry into the Second Amendment. A copy of the press release is furnished as Exhibit 99.1 to Current Report on Form 8-K.
Item 9.01.
Financial Statements and Exhibits.
(d)
Exhibits
Exhibit No.
Description
10.1
Sixth Amendment to Second Amended and Restated Credit Agreement and Joinder, dated as of March 10, 2021.
99.1
Press release issued March 10, 2021.
​
​
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
​
​
​
Date: March 12, 2021
CTO Realty Growth, Inc.
​
​
​
​
By:
/s/Matthew M. Partridge
​
​
Matthew M. Partridge,
​
​
Senior Vice President, Chief Financial Officer and
​
​
Treasurer
​
​
​
​
​