Charles F. James IV

Charles F. James IV


Professional Experience:

Charles aims to deliver reliable results to his clients.  He provides reasoned and efficient analysis in real estate development, finance, and corporate transactions.  He has true multistate practice with admission to practice law in both Florida and Alabama.

He represents banks and other lenders in loan originations, including construction and term loans, mezzanine and bridge loans, and on workouts, restructurings and foreclosures. Projects for which his clients have made loans include shopping centers, hotels, multifamily, mixed-use, office, parking facilities, condominiums, marinas, and retail developments, and aircraft.

His represents developers and an Indian Tribe in development projects including office towers, mixed use commercial and retail, hotels and resorts, golf courses, marinas, shopping centers, multi-family housing, commercial and residential condominiums, and residential subdivisions.

He regularly drafts and negotiates complex leases for commercial landlords, and tenants. He has experience in all aspects of State and Federal New Market Tax Credit transactions representing leverage lenders, CDEs, and QALICBs.

His most recent and ongoing activities include the representation of the developer (an Indian tribe) of 500 acres in Baldwin County, Alabama in the development, build out and lease of commercial retail space within a destination lifestyle center and amusement park, and the representation of a developer of a $67 Million multi-building mixed use project involving residential, retail, and office development with multistory parking garage in downtown Pensacola, Florida.

He enjoys spending time with wife and two children, watching Alabama football, and participating in triathlons and other endurance events, including two Ironman distance races.

He is an officer of the Firm(Secretary), and is the managing chair of the Firm’s Alabama office. He issues title insurance in Florida and Alabama as an agent for all major title insurance underwriters. He is Board Certified as a Specialist in real estate law by the Florida Bar.

  • Super Lawyers Rising Star, 2009, 2010
  • Florida Trend’s Legal Elite, Up and Comer, 2010
  • The Florida Bar, Real Property Probate and Trust
  • Escambia Santa Rosa County Bar Association
  • Baldwin County Bar Association
  • National Association of Industrial Office Properties (NAIOP)
  • Baldwin County Board of Realtors, affiliate member
  • South Baldwin Chamber of Commerce
  • Big Brothers Big Sisters of Northwest Florida, former “Big” and Board Member
  • Seville Rotary, Member and Former Board Member

Charles F. James IV


Pensacola and Orange Beach

Office: 850.434.9200
Pensacola Direct: 850.436.6466
Orange Beach Direct: 251.245.8595
Cell: 850.384.8570

Email Address:

Legal Secretary

Terry O’Rourke, Florida


Rebecca Spurgin, Florida

Real Estate Closing Coordinators, Florida

Linda Christenson

Karen Potter

Real Estate Closing Coordinator and Legal Secretary, Alabama

Tiffany Courtney

Practice Areas
  • Business & Banking
    • Administrative
    • Financial Institutions
    • Corporate, Securities & Business
  • Construction & Development
    • Real Estate Transactions & Real Property Development
  • Environmental & Land Use
    • Real Estate Transactions & Real Property Development
  • Real Estate
    • Financial Institutions
    • Real Estate Transactions & Real Property Development


  • Board Certified as a Specialist in Real Estate Law by the Florida Bar


  • J.D., Samford University Cumberland School of Law, 2002
  • M.B.A., Samford University, 2002
  • B.S., University of Alabama, 1996


Admittance to Practice
  • Florida
  • Alabama

Additional Legal Resources