Superior Real Estate Services for Buyers & Sellers
in Santa Rosa, Escambia & Okaloosa Counties

Get Pre-Approved

Show sellers you are serious and ready to buy! Getting pre-approved increases your negotiating power with sellers. learn more

Protect Your Investment

We've got you covered! Be prepared for the unexpected. Ask us about Home Warranties that are available for both Home Buyers & Sellers!

Military Relocating?

We’ve assisted our military men & women to relocate to the Santa Rosa, Escambia, & Oskaloosa Counties for decades. Let us help you!

Buying a Home or Property?

Buying a home or property is often a stressful and complicated process, let our years of experience guide you through the process and eliminate the stress! Our professional team of highly qualified real estate agents are ready and standing by!

As your Buyers Agent

We’re there for you every step of the way! From getting pre-approved for a mortgage loan, assisting in your search for the perfect home or property, schedule viewings at your convenience, act as your liaison between you and the seller or sellers agent, insure any home or property you consider meets conditions dictated by your loan specifications, through to the closing.

Getting the Most for Your Investment

We work closely with our sellers to insure their homes meet or exceed our expectations for the sale! We are well connected with a host of home repair services, inspectors, and contractors who are ready to assist our sellers in "greening up" or upgrading their home prior to the sale. These same connections aid buyers by getting a purchased home into the desired condition or by getting properties into the condition dictated by loan specifications. Upgrading a home during the contract period can often make a property mortgage worthy which benefits both the buyer and seller.

Searching for the Perfect Home or Property

Our website lists homes and properties throughout Santa Rosa County Florida, Escambia County Florida, and Okaloosa County Florida. By registering on our website you’ll enjoy the convenience of saving listings to your favorites for later viewing or comparing, receive daily email updates with new listings that meet your search criteria, as well as any listing updates for the properties you’ve saved to your favorites.

Rather we do the Search for You?

No problem! Simply submit the Home or Property Finder form and we will email you with a list of homes or properties that meet your specifications!

Bank Owned Properties / Foreclosures

Take advantage of this great buying environment while rates are low and bargains abound! Yes, we handle Bank REO Properties for a number of different banks and lending institutions. We can help you explore your Financing Options so that you can buy some of the amazing deals on the market now.

Protect Your Investment with a Home Warranty

Be prepared for the unexpected…be sure to ask us about a home warranty on almost any home you purchase. Moving in and having to replace a major appliance, HVAC system, or a roof, can certainly put a burden on your finances.

We look forward to making you one of our new friends and satisfied customers! Call us today!

What Our Client’s Say…

  • robin20118

    We recently put our home up for sale that we had owned for almost 30 years. Cindy helped us through the process and we had multiple offers within 2 w... see more

  • rdsteen911

    Cindy is a great agent that is respectful and very honest. I had a unique situation but Cindy made it a very easy process. Once she put the house on... see more

  • Dawn

    Cindy did a great job in helping me to sell my home quickly and smoothly.
    I would use her and Cotton Reality again.
    The buyers looked at my house a mo...
    see more

  • revkev18

    My wife and I found Cindy to be friendly, caring, fair, and highly competent. She helped us look for a house on three separate occasions, and never on... see more

  • hopesfuture

    I have had several dealings with Cindy Cotton at Cotton real estate. She has always been pleasant, knowledgeable and up front about everything. I neve... see more

  • lynnmariewest5

    Had fairly tight know...wanted a mansion for the price of a shack. Cindy was very patient... even gave up part of her Labor day holiday ... see more

  • Brian

    I've been fortunate to sell two houses with Cindy. Each experience was very pleasant. She is always very knowledgeable and honest on what you should e... see more

  • fladad7

    I have had the pleasure of using Cindy's services for purchasing property in Milton. From beginning to closing, Cindy made sure the transaction went s... see more

  • user07348139

    I couldn't be happier. They listed and sold my house in Pace, FL. Everything went unexpectedly smooth and painless. I only want to deal with this comp... see more

  • butchspaulding

    I have been in investment properties for over 30yrs and worked with many agents. Cindy is the best agent I have ever worked with. You could not find a... see more

  • deevilgurl98

    Cindy Cotton is a very upbeat, happy and professional woman! She knows exactly what she is doing and how to get the dream house for any client. She pe... see more

  • strummin4christ

    Cindy assisted me with a move from a neighboring city and I couldn't have been more happy with her down-to-earth professionalism. She brought a wealth... see more

  • zuser20160820035729780

    Showed us many houses. She did a great job. Always answered her phone! Got our home closed in just a few weeks. Organized inspections and closing.... see more

  • artlenfinger

    On market 2 years with other realtor, Cotton sold house in 2 months in a bad market. Very professional and courteous. I recommend highly for Pensacola... see more

  • yuplenu

    Cindy Cotton was the realtor for my first home in FL. I purchased and/or sold 5 additional properties through the years and have always felt Ms Cindy... see more

  • peonies4

    Cindy Cotton helped me with the sale of two houses in the area. I cannot say enough good things about Cindy. She is very knowledgeable about the are... see more

  • dbailey268

    Very good I have never worked with a better realtor Even tho I was out of state I could always contact her and she was always able to help me she help... see more

  • ms

    I am a home owner and I chose Cindy Cotton of Cotton Real Estate to list and sell my home. Cindy and I met beforehand so that she could see the house... see more

  • mshinesrn

    Cindy was very patient with assisting us in finding our dream home! She was very prompt in her responses. Explained everything in detail to us. She... see more

  • chrisbaxterfl

    Cindy took great care of us. She asked questions we would not have thought to ask and made sure the property we purchased was the perfect fit for us. ... see more

What's Your Home Worth?

Let us provide you a Free Market Analysis of the estimated value of your home in today's market in your demographic area. learn more

Get Pre-Approved

Show sellers you are serious & ready to buy! Getting pre-approved increases your negotiating power with sellers. learn more

Listing Email Alerts

Be the 1st to know - receive new listing information & listing updates customized specifically to your needs. learn how

Florida Mortgage Rates

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