Charles F. James IV

Charles F. James IV


Professional Experience:

Charles is a shareholder in the Firm’s Pensacola and Orange Beach offices.  He represents individuals, businesses, and lenders through all phases of a real estate or business transaction. He has experience in real estate development, real estate finance, real estate lending, asset management, asset purchase and sales, commercial leasing, multifamily leasing, mixed-use development, marinas, and other water rights, planned unit developments and districts, condominiums, and business entity formation.

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

His development projects include hotels and resorts, golf courses, marinas, shopping centers, office buildings, mixed use commercial and retail, multi-family housing, commercial and residential condominiums, and residential subdivisions. He regularly assists individuals in purchases and sales of homes.  He issues title insurance in Florida and Alabama as an agent for all major title insurance underwriters.

He regularly drafts and negotiates complex leases for 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 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 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, competing two Ironman distances races.

He practices in Florida and Alabama, is an officer of the Firm (Secretary), and is the managing chair of the Firm’s Alabama office.  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

Real Estate Closing Coordinators, Florida

Linda Christenson

Melissa Paulson

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