St. George Island Realtor
Kinsey Haddock P.A.
St. George Island REALTOR®
Licensed Broker Associate with Coldwell Banker Realty. Specializing in Gulf-front beach homes, vacation rental investment, and navigating the unique flood zone and insurance landscape on St. George Island. License #BK3253849.
Who Is Kinsey Haddock?
Kinsey Haddock P.A. is a licensed Florida Broker Associate and Realtor® with Coldwell Banker Realty — Panhandle. He represents local and out-of-state buyers and sellers across the Emerald Coast and the Forgotten Coast, with deep market knowledge in St. George Island.
Many clients purchase second homes or vacation rentals remotely, while local clients rely on the same attentive guidance for a primary-home purchase or sale. Kinsey's job is to protect your interests and help you make the best decision for your goals.
Contact KinseySt. George Island specialties
Credentials & proof
License
Florida #BK3253849
Brokerage
Coldwell Banker Realty — Panhandle
Office address
726 Navy Blvd, Panama City Beach, FL 32408Markets served
From the Forgotten Coast to the Emerald Coast
St. George Island · Cape San Blas · Port St. Joe · Mexico Beach · Panama City · Panama City Beach · 30A · Destin
Client reviews
Get in touch
Contact pageWhat Kinsey Does in St. George Island
Buyer Representation
Exclusive buyer representation on St. George Island — no conflict of interest. Kinsey knows the island's neighborhoods, flood zone boundaries, and the specific due diligence required for elevated beach homes.
Read more →Flood Zone & Insurance Guidance
St. George Island properties span AE, VE, and X flood zones — and wind insurance costs vary dramatically by location and construction. Kinsey walks buyers through the full insurance picture before they make an offer.
Read more →Vacation Rental Investment
St. George Island is one of the top vacation rental markets on the Forgotten Coast. Kinsey provides actual rental income data, evaluates gross yield, and identifies the properties with the strongest investment profiles.
Read more →Remote Buyer Support
Full remote purchase support: detailed video tours, document review, inspection coordination, and remote closing. Most St. George Island buyers purchase from out of state.
Read more →Neighborhood Expertise
From the quiet East End to the gated Plantation neighborhood, St. George Island has distinct micro-markets. Kinsey helps buyers understand the differences in price, rental income, and lifestyle between each area.
Read more →Seller Representation
Strategic pricing and marketing for St. George Island sellers. Kinsey reaches the out-of-state buyers who are discovering the Forgotten Coast as a quieter, more affordable alternative to the Emerald Coast.
Read more →St. George Island Market Knowledge
Gulf-front homes
St. George Island Gulf-front homes are among the most sought-after properties on the Forgotten Coast. Kinsey knows the inventory, the VE and AE flood zone boundaries, and the income performance of the top-producing vacation rentals.
East End vs. Plantation
The East End offers a quieter, more natural experience near the state park, while the Plantation is a gated community with amenities. Each has a distinct buyer profile and rental income potential.
State park proximity
Dr. Julian G. Bruce St. George Island State Park anchors the east end of the island — one of the most pristine undeveloped barrier island parks in Florida. Properties near the park benefit from the natural buffer and visitor draw.
Why Buyers Work With Kinsey in St. George Island
Island due diligence: flood zones, septic, rental regulations
Buying on St. George Island requires careful attention to flood zones, septic systems, rental regulations, and coastal setback lines. Kinsey has done this work before and guides buyers through every step — so there are no surprises after closing on a property you may have purchased remotely.
Vacation rental market expertise (RSPS designation)
St. George Island's rental market is driven by a loyal, repeat visitor base that values the island's natural character. Kinsey holds the RSPS (Resort & Second-Home Property Specialist) designation and evaluates rental income potential, property management options, and the specific features that drive strong rental performance on the island.
State park proximity as a long-term value factor
Properties near Dr. Julian G. Bruce St. George Island State Park benefit from the permanent protection of the natural environment — no future development to the east. Kinsey helps buyers understand how state park proximity affects both value and the long-term investment thesis for island properties.
Remote buyer process for out-of-state clients
Many St. George Island buyers purchase entirely remotely. Kinsey walks properties on your behalf, checks flood zone designations, reviews rental histories, and reports back honestly. Florida title companies routinely handle remote closings — you can close from your home state without flying down.
Market snapshot
St. George Island Market Snapshot
Franklin County · ZIP 32328 · Updated September 3, 2026
Median Listing Price
$1.2M
Active listings · Realtor.com · July 2026
Median List Price per Sq. Ft.
$576
Active listings · Realtor.com · July 2026
Median Days on Market
101 days
Active listings · Realtor.com · July 2026
Median Sale Price
$1,014,492
Down 18.5% year over year · Redfin
Average Time to Sell
177 days
Compared with 89 days a year earlier · Redfin
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What Buyers Say
"Kinsey helped us find a Gulf-front home on St. George Island that has been our best investment. He knew the flood zone boundaries and walked us through the insurance costs before we made an offer — no surprises at closing."
— Mark & Susan T.
"We were out-of-state buyers and Kinsey made the whole process seamless. His knowledge of the island's neighborhoods helped us choose the right location for our vacation rental goals."
— Patricia L.
"Bought a vacation rental on St. George Island with Kinsey's help. The rental income has exceeded our projections and Kinsey's guidance on the insurance landscape saved us thousands per year."
— David & Karen M.
Free downloads
Guides for Buyers & Sellers
CB — Buyers Agent Reference Guide
What buyer representation actually means — fiduciary duties, agency agreements, compensation, and what sets a professional buyer's agent apart.
Download PDFConsidering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, what to expect from the listing process, and how Kinsey positions your property for maximum exposure.
Download PDFThinking of listing?
Considering Selling to Just Listed
Every stage of the listing journey — pricing strategy, preparing your home, and how Kinsey positions your property for maximum exposure on the Emerald Coast.
Read the guideMy Listing Presentation — Kinsey Haddock P.A.
Kinsey's full seller strategy: marketing plan, pricing approach, 8-step listing process, and the credentials behind more than fifteen years and $50M+ in closed volume.
View the presentationReady to Buy or Sell in St. George Island?
Call, email, or reach out through the contact page. No pressure, no obligation.
Or send a message to get started.
My Beach House Guy on YouTube
Video Tours Near St. George Island
Thinking of selling?
Kinsey also represents sellers in St. George Island
Local pricing strategy, professional photography, and full listing management.