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Deb Cottle

Deb Cottle
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Deb Cottle

Real Estate Advisor

Deb Cottle has specialized in the luxury real estate market on Amelia Island for over seventeen years, honored as a Nassau County Top Producer since 2015. She has earned credentials such as; GRI (Graduate of the REALTOR® Institute), CREN (Certified Real Estate Negotiator), and SRES (Senior Real Estate Specialist) - focusing on the specific needs of seniors who are navigating through many of life's transitions.

Deb is also an inspirational speaker, workshop leader, and certified life coach. Deb truly Cottles her customers with compassionate care, real estate expertise, and personalized attention. Many trust Deb to serve as their own personal Transition Specialist. She goes out of her way to help her clients integrate into the community, referencing needed resources, and facilitating introductions to other like-minded people, volunteer organizations, and even potential employers.

Contact Details

Email address [email protected]
Primary phone (904) 556-9289
Address 5185 S Fletcher Ave, Ste 3 Fernandina Beach FL, 32034
License #3157542
See Why Our Clients Love Us

Testimonials

See what our clients have to say.
"Deb Cottle was great!! She worked with us over multiple visits and always met us with a smile and new listings to see. We were very particular in our requirements, and Deb was extremely patient to help find our forever home. We would highly recommend Deb to anyone needing an agent."
"Deb Cottle was great!! She worked with us over multiple visits and always met us with a smile and new listings to see. We were very particular in our requirements, and Deb was extremely patient to help find our forever home. We would highly recommend Deb to anyone needing an agent."
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"We were so lucky to have found Deb! We only had a few visits to Amelia Island but knew we were interested in buying a condo, and she stayed in touch and sent along all the listings that met our criteria. She listened carefully, knew what we wanted, and when the perfect unit came on the market she immediately previewed it for us - sending us photos and her honest assessment. Based on our trust in her, we bought the condo sight unseen, and we couldn't be happier. Deb made every part of the search, purchase, and closing so easy and her team handled every detail with expertise. I highly recommend Deb Cottle as a fabulous real estate agent!"
"We were so lucky to have found Deb! We only had a few visits to Amelia Island but knew we were interested in buying a condo, and she stayed in touch and sent along all the listings that met our criteria. She listened carefully, knew what we wanted, and when the perfect unit came on the market she immediately previewed it for us - sending us photos and her honest assessment. Based on our trust in her, we bought the condo sight unseen, and we couldn't be happier. Deb made every part of the search, purchase, and closing so easy and her team handled every detail with expertise. I highly recommend Deb Cottle as a fabulous real estate agent!"
Berrie
"Deb Cottle was right there every step of the way as we had built a relationship with her over the past 2 years. I will sing the praises of Deb Cottle while loving the feeling of being "Cottled.""
"Deb Cottle was right there every step of the way as we had built a relationship with her over the past 2 years. I will sing the praises of Deb Cottle while loving the feeling of being "Cottled.""
Tom & Sandra
"Deb went over and above what I have experienced in the past. She was extremely empathetic and knowledgeable and if unsure about an answer to one of our questions. she researched the question and responded quickly."
"Deb went over and above what I have experienced in the past. She was extremely empathetic and knowledgeable and if unsure about an answer to one of our questions. she researched the question and responded quickly."
Teresa
"Deb Cottle is the epitome of everything you could want in an agent; nobody knows The Plantation and Amelia Island better than Deb, who is a skilled listener and negotiator, with very in-depth knowledge of the local market. Deb never wavered in her dedication to selling our property and took an aggressive approach, providing us with the utmost professional videography and photography of our home. With her focus on us and our goals, Deb made certain the sale was moving in the right direction. She always has her clients’ best interests at heart and understands that the selling of a home is a big financial, personal, and sometimes emotional decision. She is well-connected, knowledgeable and professional. There is an ease about the way in which Deb conducts herself even amidst all the stress that comes with negotiating such an important personal transaction. She is someone that truly loves what she does and enjoys all there is about Amelia Island/Fernandina Beach. I would recommend Deb Cottle to anyone, without hesitation. She exceeded all my expectations!"
"Deb Cottle is the epitome of everything you could want in an agent; nobody knows The Plantation and Amelia Island better than Deb, who is a skilled listener and negotiator, with very in-depth knowledge of the local market. Deb never wavered in her dedication to selling our property and took an aggressive approach, providing us with the utmost professional videography and photography of our home. With her focus on us and our goals, Deb made certain the sale was moving in the right direction. She always has her clients’ best interests at heart and understands that the selling of a home is a big financial, personal, and sometimes emotional decision. She is well-connected, knowledgeable and professional. There is an ease about the way in which Deb conducts herself even amidst all the stress that comes with negotiating such an important personal transaction. She is someone that truly loves what she does and enjoys all there is about Amelia Island/Fernandina Beach. I would recommend Deb Cottle to anyone, without hesitation. She exceeded all my expectations!"
Susan
"Deb is terrific. She personally did every showing of our listed home. She was totally familiar with the property. She also was our agent to purchase our present home. She is highly recommended!"
"Deb is terrific. She personally did every showing of our listed home. She was totally familiar with the property. She also was our agent to purchase our present home. She is highly recommended!"
Sandra
"Our Fernandina Beach rental home was fortunately across the street from the Cottles. Deb turned out to be a good listener, well connected to the Real Estate business. It did not take long for us to understand Deb’s talent as she prepared a list of homes in our price range, our tastes and “musts”. We inspected six choices, all commendable selections and in the running. One stood out as it did for another buyer (which we did not know at the time) and demanded our attention. It was our perfect choice in price, features, and availability. Knowing the other buyer was interested, Deb advised a bidding strategy which served as securing our new home without further drama. Deb was essential in clearing the way for a smooth painless closing. She remains a close advisor and friend. We would recommend Deb Cottle as a smart, capable real estate professional who places her client first in all dealings."
"Our Fernandina Beach rental home was fortunately across the street from the Cottles. Deb turned out to be a good listener, well connected to the Real Estate business. It did not take long for us to understand Deb’s talent as she prepared a list of homes in our price range, our tastes and “musts”. We inspected six choices, all commendable selections and in the running. One stood out as it did for another buyer (which we did not know at the time) and demanded our attention. It was our perfect choice in price, features, and availability. Knowing the other buyer was interested, Deb advised a bidding strategy which served as securing our new home without further drama. Deb was essential in clearing the way for a smooth painless closing. She remains a close advisor and friend. We would recommend Deb Cottle as a smart, capable real estate professional who places her client first in all dealings."
Peter & Ruth
"Deb is a hard working and very personable person. She is always available no matter what time of the day or night it is. We've received emails at 10PM and 4AM when we she was selling our home. She has great contacts, so if there are any questions that she can't answer, she will get the answers or put you in touch with the right people. She will work with you and advise you every step of the way. Deb comes highly recommended."
"Deb is a hard working and very personable person. She is always available no matter what time of the day or night it is. We've received emails at 10PM and 4AM when we she was selling our home. She has great contacts, so if there are any questions that she can't answer, she will get the answers or put you in touch with the right people. She will work with you and advise you every step of the way. Deb comes highly recommended."
Owen & Lisa
"Deb was our real estate agent during our search and purchase of our Amelia Island oceanfront condo. She was knowledgeable, honest, responsive and friendly. Deb was helpful and available throughout the process. We highly recommend her."
"Deb was our real estate agent during our search and purchase of our Amelia Island oceanfront condo. She was knowledgeable, honest, responsive and friendly. Deb was helpful and available throughout the process. We highly recommend her."
Nancy
"Deb was more than fantastic and a perfect agent in the Fernandina Beach area real estate market. She knew the area so well (husband was born and raised there too) and I was looking from afar and gave my list of must-haves. She found the perfect place and provided me with options. She negotiated for me and got me more than I expected. The developer negotiated favorably with me because of her stellar reputation. Great experience and now I have a friend near my new home too! Highly recommend."
"Deb was more than fantastic and a perfect agent in the Fernandina Beach area real estate market. She knew the area so well (husband was born and raised there too) and I was looking from afar and gave my list of must-haves. She found the perfect place and provided me with options. She negotiated for me and got me more than I expected. The developer negotiated favorably with me because of her stellar reputation. Great experience and now I have a friend near my new home too! Highly recommend."
melissamxm
"Deb Cottle is extremely knowledgeable about real estate on Amelia Island. We have found her to be attentive to our needs and timely in her communication. She has been readily available to show us listings. Deb has been in the real estate industry for a long time and previously was in marketing which is so valuable in today’s real estate industry. She has been the perfect fit for us as we navigate the challenge of buying retirement property from a distance. Deb Cottle is a ten out of ten on a would-you-recommend scale!"
"Deb Cottle is extremely knowledgeable about real estate on Amelia Island. We have found her to be attentive to our needs and timely in her communication. She has been readily available to show us listings. Deb has been in the real estate industry for a long time and previously was in marketing which is so valuable in today’s real estate industry. She has been the perfect fit for us as we navigate the challenge of buying retirement property from a distance. Deb Cottle is a ten out of ten on a would-you-recommend scale!"
Melissa
"Debra provides a wealth of information about life in this wonderful area, as well as deep expertise in all real estate related matters. She took time to understand our needs and wishes, provided us with a wide range of choices and adjusted every showing based on the experience gained with us up to that point. She was helpful in pointing out what features on our wish list were present in each property, as well as where the property was falling short. In the end, she helped us find our perfect home, work through the negotiation process as well as all elements related to the closing. She is one of the best we have ever had the pleasure of working with!"
"Debra provides a wealth of information about life in this wonderful area, as well as deep expertise in all real estate related matters. She took time to understand our needs and wishes, provided us with a wide range of choices and adjusted every showing based on the experience gained with us up to that point. She was helpful in pointing out what features on our wish list were present in each property, as well as where the property was falling short. In the end, she helped us find our perfect home, work through the negotiation process as well as all elements related to the closing. She is one of the best we have ever had the pleasure of working with!"
lplouffejr
"Deb was energetic, positive and dedicated her time to help us look and find our new home! Deb was prepared and asked us the right questions so we didn’t waste time looking at properties that didn’t match our needs. Deb was great during the negotiation process while working through the deal. She was ethical and allowed us to explore ideas with her. Deb paid attention to details and went out of her way to make sure we were comfortable and had all the information we needed to close. I would highly recommend Deb to anyone listing or buying a home. She was truly excellent!"
"Deb was energetic, positive and dedicated her time to help us look and find our new home! Deb was prepared and asked us the right questions so we didn’t waste time looking at properties that didn’t match our needs. Deb was great during the negotiation process while working through the deal. She was ethical and allowed us to explore ideas with her. Deb paid attention to details and went out of her way to make sure we were comfortable and had all the information we needed to close. I would highly recommend Deb to anyone listing or buying a home. She was truly excellent!"
Kristine
"Deb is a real estate professional in every sense of the word. Her experience, expertise, and local knowledge of the Amelia Island/Fernandina Beach market is what every potential buyer and seller should want on their side of a real estate transaction. She is easy to talk to, she listens well, and she troubleshoots issues with poise. Deb's most valuable asset is her follow thru and attention to detail. We highly recommend her."
"Deb is a real estate professional in every sense of the word. Her experience, expertise, and local knowledge of the Amelia Island/Fernandina Beach market is what every potential buyer and seller should want on their side of a real estate transaction. She is easy to talk to, she listens well, and she troubleshoots issues with poise. Deb's most valuable asset is her follow thru and attention to detail. We highly recommend her."
KC7670
"Deb is a very professional realtor. She sold my home and found the perfect condo for me to purchase on Amelia Island. She is honest, hardworking, friendly and removes stress that comes when buying or selling your home. She provides clients with results of thorough research and stays on the job until it is done. She has an upbeat attitude and is very honest. She fully supports her clients and is always there for them during the process. I would highly recommend her."
"Deb is a very professional realtor. She sold my home and found the perfect condo for me to purchase on Amelia Island. She is honest, hardworking, friendly and removes stress that comes when buying or selling your home. She provides clients with results of thorough research and stays on the job until it is done. She has an upbeat attitude and is very honest. She fully supports her clients and is always there for them during the process. I would highly recommend her."
Jim & Millie
"Deb is the ultimate salesperson. She is knowledgable. She cares about her clients. She is honest and trustworthy. She makes the process of buying a property smooth and easy. She doesn't "bug" us, but once we reach out with interest on a property, she's fast getting back to us and right on top of things. If you are as lucky as we are, to walk through the door of this wonderful office, you might just get lucky enough to meet Deb Cottle."
"Deb is the ultimate salesperson. She is knowledgable. She cares about her clients. She is honest and trustworthy. She makes the process of buying a property smooth and easy. She doesn't "bug" us, but once we reach out with interest on a property, she's fast getting back to us and right on top of things. If you are as lucky as we are, to walk through the door of this wonderful office, you might just get lucky enough to meet Deb Cottle."
Jack & Tommie
"Deb Cottle is a highly professional realtor who has helped us with sales and purchases of homes and rental real estate over several years. She is personable, pays close attention to her clients, and is attentive to assuring that each transaction occurs in a smooth and timely manner. We have purchased and sold real estate for over twenty years and can attest that, in our experience, Deb is the best."
"Deb Cottle is a highly professional realtor who has helped us with sales and purchases of homes and rental real estate over several years. She is personable, pays close attention to her clients, and is attentive to assuring that each transaction occurs in a smooth and timely manner. We have purchased and sold real estate for over twenty years and can attest that, in our experience, Deb is the best."
Henry & Margaret
"Deb & Stan Cottle were amazing to work with! They were able to accommodate a quick showing of the home for us. Both were always available and fast to respond to our questions. They made the buying process smooth and stress-free. Great communication throughout the sale, very knowledgeable and went above and beyond - helped us with the perfect home. Highly recommend!"
"Deb & Stan Cottle were amazing to work with! They were able to accommodate a quick showing of the home for us. Both were always available and fast to respond to our questions. They made the buying process smooth and stress-free. Great communication throughout the sale, very knowledgeable and went above and beyond - helped us with the perfect home. Highly recommend!"
Doug & Donna
"Deb was recommended to us by friends who have lived on the island for 15 years. Deb helped us find a 2nd home for a great price. The perfect ocean front condo! As ours was a long distant sale, it was imperative to have a realtor the we could trust, was conscientious and knowledgeable about Amelia Island and Florida real estate. Deb was invaluable. As was the custom video. Deb has continued to help us transition. She has referred us to local contractors, services and restaurants. We were so surprised and appreciative. We have bought and sold many houses through the years and Deb is the only realtor who has become a friend. She cares that her clients are happy. She loves Amelia Island and wants to share it with everyone."
"Deb was recommended to us by friends who have lived on the island for 15 years. Deb helped us find a 2nd home for a great price. The perfect ocean front condo! As ours was a long distant sale, it was imperative to have a realtor the we could trust, was conscientious and knowledgeable about Amelia Island and Florida real estate. Deb was invaluable. As was the custom video. Deb has continued to help us transition. She has referred us to local contractors, services and restaurants. We were so surprised and appreciative. We have bought and sold many houses through the years and Deb is the only realtor who has become a friend. She cares that her clients are happy. She loves Amelia Island and wants to share it with everyone."
Dawn
"Deb was a sweetheart. She was willing to go out of her way to show me property when I walked in her office unannounced. I would definitely use her again if we need a real estate agent. I highly recommend Deb Cottle."
"Deb was a sweetheart. She was willing to go out of her way to show me property when I walked in her office unannounced. I would definitely use her again if we need a real estate agent. I highly recommend Deb Cottle."
cwachino
"Deb was a real help in finding us a lot on Amelia Island. With her assistance, we purchased and are now building! She was dependable, friendly, always helpful, and knowledgeable about the area. We highly recommend her as an agent if you are moving here!"
"Deb was a real help in finding us a lot on Amelia Island. With her assistance, we purchased and are now building! She was dependable, friendly, always helpful, and knowledgeable about the area. We highly recommend her as an agent if you are moving here!"
Burroughs
"Deb gave me full, personal service in selling my house. I could not be more satisfied! Deb was there for me with every question that needed answering. Deb stayed in contact with my children. (Many people kept informed saved what might have been forgotten by the elderly seller.)"
"Deb gave me full, personal service in selling my house. I could not be more satisfied! Deb was there for me with every question that needed answering. Deb stayed in contact with my children. (Many people kept informed saved what might have been forgotten by the elderly seller.)"
bfullerartist
"Wonderful person to do business with. If I ever need a realtor again I will use her and highly recommend her. She spent lots of time with us and kept us abreast of all showings and feedback from customers."
"Wonderful person to do business with. If I ever need a realtor again I will use her and highly recommend her. She spent lots of time with us and kept us abreast of all showings and feedback from customers."
almavrakis

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