Meet the Team

Cindy Hamre, Real Estate Agent

Cell: 850-258-7930  

My name is Cindy Hamre and have been a licensed Florida Real Estate Agent since 2002.  Panama City has been my home for over 35+ years, where I have raised 5 children and been involved in our local community.  My husband is a Military Veteran with over 22 years of active duty service.  We honor all our Veterans and their families for their service to our Nation.

My Real Estate experience includes varied aspects of Real Estate, including helping buyers find the new home, listing homes or property for sellers, working with investors to purchase personal property or income producing properties, and helping owners/investors prepare their properties for rental income. Whatever your needs are in Real Estate,  purchasing, selling or investment property, I am ready to help you “sail” through your transactions!

I look forward to working with you on all of your Real Estate needs in Bay County or any surrounding counties from Pensacola to Apalachicola! 

Lisa Felix, Broker/Owner

Cell: 850-819-4961
Office: 877-578-7245  

Lisa Felix is the Broker and Owner of Full Sail Realty, as well as a life-long resident of Northwest Florida. Full Sail Realty has been in business in Bay County since 2006, and over the past decade has grown and prospered primarily through it’s referral base. An awesome referral base is a bi-product of excellent service.
We offer both residential and commercial sales professionals, as well as a seasoned property management program that specializes in long term management of investment properties, as well as an exclusive RENT TO OWN program that is very popular with many of our owners and tenants alike.
Give Lisa a call and find out what it means to be a pro in this business!

Ashley Dunnigan, Broker/Partner 

Cell: 850-527-9744

Hello and thank you for visiting!
As a true local of Bay County, I take great pride in preserving the right of homeownership.  I grew up in a small home in St. Andrews my grandparents bought when they got married, then passed it down to my mother, who has now passed it down to my brother, who is raising his 3 beautiful girls there!  When I think of home, that house is what I see.  It's not just a building on a street somewhere, it is where I have my earliest and fondest memories.  I feel comfort and peace when I see it.  That is truly a feeling I wish for everyone, which is why I love what I do so much!

I received my Florida Real Estate license in 2004 after working as an administrative assistant in my family's real estate company.  In 2005, I upgraded my license to a Broker Associate and completed my GRI (Graduate of the Realtor Institute).  I have also received my Florida Military Specialist designation through Florida Realtors.  I feel education in this industry is the most important thing you can have.  Since getting licensed and joining the Association of REALTORS on a local, state and national level, I have worked with many buyers and sellers in facilitating their transactions.  I have also worked with many other agents as a mentor in real estate.  After all, this is what I grew up doing and it does run in my blood.  Most recently, I have become a Broker / Partner at Full Sail Realty, LLC.  I have been very blessed to learn from some of the most amazing agents in our local industry and love that I still learn something new on every single transaction.  I would love the opportunity to work with you on your real estate needs. 

I have served on multiple committees with our local association including education, bylaws, policy and as a Director on the Board of Realtors.  I also hold a Florida CAM (Community Association Manager) license and a Florida Notary Public license. 

I am married to a wonderful man and have 2 amazing step-children.  I like to spend my free time hanging out with my doggies and kitties.  I do animal rescue and fostering and have since I was a small child. 

My husband and I joined the Krewe of St. Andrews in 2015.  It has been a great opportunity for us to be involved in our community and to promote our wonderful area. 

Diane Cofer, Real Estate Agent

Cell: 850-832-5648

Active Realtor for 26 years in Residential and Commercial including Resort properties.

Previous marketing for our family construction company with my husband who was a General Contractor  for our Cofer Construction and Shoreline Homes, Inc. businesses  for  over 15 years.  Originally received my real estate license to help procure lots for construction of speculative homes and their subsequent sales. Fell in love with the real estate business and made it my profession for many years.

Previously was a Medical Technologist graduating with a Bachelor of Science from the University of Georgia with final 2 years at the Medical College of Georgia.  Worked in the medical field for 15 years and became Chief Technologist and various supervisor positions.

Active member of St. Andrews Episcopal Church since 1979 and choir member for over 10 years, adult and children’s Church School teacher and Hosting Prayer Groups .
Member of the Gulf Coast Womens Club, and previous member of the Junior Womens Club and Vice President of the Newcomers Club.

Hobbies include stain glass projects, oil , acrylic and watercolor painting.   Sewing, decorating homes, and improvement projects and gardening.

I really enjoy meeting my clients and helping them obtain their dreams through assisting their finding of that perfect home and location for their family!  My knowledge and general  background in construction has been immeasurably helpful to my business.

Kim Douglas, Real Estate Agent

Cell: 850-258-3919

Kim Douglas has helped buyers on Panama City Beach and Panama City get the best deals since 2005.

Her goal is to provide investors with an optimum ROI, and families with the perfect place to call home. Real estate has become an integral part of her life, as her familiarity with the area benefits buyers & sellers worldwide.

Kim’s focus on ongoing education has taught her new tools that help her market homes & negotiate better deals. Buying can be complex, and her skills let her simplify the process for families that are relocating. Having moved around a lot as a child, she understands the importance of your family feeling ‘at home’ quickly. Her negotiation skills now find families their dream home.

An active communicator, Kim is your biggest advocate for buying, and can properly position your house to sell. Aside from residential real estate, Kim has worked with Fortune 500 companies. Her readiness and aptitude will work the best deal for you, whether it be commercial, residential, or vacant land.

Real Estate Achievements:

Prudential Multi-Million Dollar Member

Kim is actively pursuing the prestigious designation of CCIM (Certified Commercial investment Member)

Member of Florida Association of Realtors

Member of Bay County Association of Realtors


Member of National Association of Realtors

Alpine Club sales status for 2005, 2006, 2007, 2008, 2011

2007 Annual Leading Edge Society Award Winner

Kim attends education seminars and conferences to keep up to date with commercial real estate issues and networking.

Achieved Resort and Second Home Specialist Certification.

Bob Douglas, Real Estate Agent

Cell: 850-596-4714

Bob served the State of Florida and the US Government for 31 years in the fields of law enforcement, environmental and marine enforcement. Prior to real estate he worked in architectural development in private industry then with the Florida Game and Fresh Water Fish Commission, Florida Marine Patrol, Department of Natural Resources, Department of Environmental protection as well as other several federal agencies. 

Bob has been a Realtor since 2005. His extensive knowledge in coastal issues developed through his careers and certifications as a diver, a pilot and a marine captain. Located in the Florida Panhandle since 1991, Bob has an intimate knowledge of the waterways , coastal ares and properties available. He specializes in waterfront properties, fly-in homesites as well as other residential properties. He can meet your needs, whether it’s docking your boat or finding the perfect waterfront home for your family. He’s also aware of the necessities law enforcement and military relocations demand. As a Florida native, he is also happy to help locate the outdoorsman’s paradise for ranchers, avid fisherman, hunters, and wildlife enthusiasts and know the best areas. Residential or commercial, his tenacity for finding the perfect property always surpasses expectations. Bob works on a real estate team throughout the Florida panhandle and is always available to help serve your needs or just share serve his experience.

Real Estate Achievements:
Prudential Multi-Million Dollar Member
Member of National Association of Realtors
Member of Florida Association of Realtors
Member of Central Panhandle Association of Realtors
Achieved Alpine Club sales status for 2006 & 2007
Alpine Club 2006, 2007, 2008, 2011

Dennis Dunnigan, Real Estate Agent

Cell: 850-258-3880

I am a full time real estate broker/associate and have been in the real estate business locally since 1992.  I previously owned my own firm for 21 years and am now working at Full Sail Realty with an incredible team of Realtors.  I deal with residential real estate and also do commercial sales and leasing.  I am a native Floridian and love where I live in Northwest Florida along the World's Most Beautiful Beaches!  Call me today to find your own piece of paradise!

Sydney Felix, Real Estate Agent

Cell: 850-596-2721

Growing up in real estate has given me all the tools and knowledge I need to succeed in this field, as I start a career of my own!

My parents have owned Full Sail Realty since 2006 and I plan to keep building on to that legacy, and it starts with YOU! 

Ann Hayward, Real Estate Agent

Cell: 850-630-5325

I received my bachelors degree in Business Management and began my career in the accounting world.  I continued my education and received my Certified Employee Benefit Specialist certification. I then moved to the banking world as a Vice President/Relationship manager in the Trust department.  

After 10 years of the trust department I moved on to the legal world as a paralegal.  During this time I met my husband, who is retired navy, and left my legal career and followed him to Panama City.  I took a few years off to help my family with the transition of getting to know a new home.  In that time we fell in love with the area and now two of my children are off to college and the last two will be off to college in 2019.  It was time to do something new and real estate sounded like a perfect fit for my background experience.  I have received the designations of MRP (Military Relocation Professional) and my FMS (Florida Military Specialist).  I’m super excited to begin this new adventure and I’m looking forward to working with you on your next real estate adventure.

Rebecca Hill, Real Estate Agent

Cell: 850-896-0160


Hello, I am Rebeca Hill and I am a long time resident of Bay County.  I am deeply rooted in this community. I have been a successful entrepreneur, a wife  and a mother of two sons and now a grandmother here in Panama City.


I have always loved homes and the feeling of comfort, security and safety that the right home can provide.  Along with my husband Mitchell, I have invested in properties for the purpose of leasing or refurbishing and reselling. I very much enjoy seeing the unique potential in every property and woking to bring the best of each property to the right owner.  


I use my personal experience as well as my love of family to assist  homeowners in presenting the best version of their home in order to achieve the highest possible return on their investment. I leave no stone unturned to find the ideal property for individuals and families. 


I think like and investor. I am constantly looking for properties with excellent earning potential that I can share with other investors. There is great opportunity in Bay County real estate.


I am excited to have an opportunity to get to know you and be a part of helping you achieve your goals in real estate!

Tiffany Kennedy, Real Estate Agent

Cell: 662-603-9260

Hi Y’all,

I am Tiffany Kennedy and have been a resident of Bay County for 6 wonderful years.

My southern roots were formed in Northeast Mississippi and Southwest Tennessee where I was born and raised in little small towns where "Sweetie", 'Sugar, and "Honey" were common greetings. My sweet Southern sass follows me wherever I go, whether to school for design in Chicago or owning my successful salon and pageant boutique business for 10 years back home or down here to the worlds most beautiful sandy beach where I started my real estate journey.

I’m a  true Southern belle born and raised from a grandmother who owned a jewelry store, which is where my Entrepreneur days began. I believe in family and I believe in communities coming together like family. I’m a wife to the most amazing husband, David who is retired law enforcement and served our great country. This man has taught me a lot about raising our home and children. I’m a mother of 2 who are very active in school. My children grew up at work with me the same way I did. 


Panama City beach has always been a vacation spot for our family since we owned a condo growing up. Since being a perment resident of Florida I completed my Real Estate License and worked for Wyndham as a agent where I put people on vacations.


Don’t let this sweet southern sass fool you, I’m the one you want on your side of the table fighting for you. The one good thing I've learned from being here in Florida is to be a shark. I’m used to closing deals in my heels and pearls. I like taking on challenges for people. But most of all I love working with people.


I am working with my partner and we are the Top Sail Team, where we make Real estate a Breeze. So come in y’all because I would love to work with you and your family and make your experience one you will never forget!

Jean McDougall, Real Estate Agent

Cell: 850-896-6612

Jean McDougall is a native of Bay County and former military dependent of First Air Force and Florida Air National Guard.  Raised in Miami and relocated back to Panama City in 1995, she has a Bachelor of Arts degree from University of Central Florida specializing in advertising and public relations. 

She is an Active Ambassador of the Bay County Chamber of Commerce, former member of Alzheimer's Alliance and Vice President of the Man in the Sea museum. As a highly active member of our local society Jean's goal is to help you with your home buying or selling needs. 

She understands that searching for a new home or investment can be daunting. Jean promise is to, "answer your questions, making sure you feel confident during every step."

Kimberly Miles, Real Estate Agent

Cell: 850-527-4879

Kimberly Jordan Miles is a Real Estate Agent in the Panama City Beach area. She services real estate needs from Panama City to 30A, and in Destin.  She is originally from Jonesboro, Arkansas but has lived in here since 2004 when she relocated with husband and children. She stands strong on her ethics and pays close attention details which has allowed for her success’ through the years.

Bonnie Milstead, Real Estate Agent


Bonnie Milstead, REALTOR, CRS, GRI like a genie in a bottle makes it her goal to make your real estate wishes come true!   She assists her clients – new friends! -  realize their wishes and dreams  of buying and selling a wonderful home.   Having been a sales associate for over 15 years her business is based on more than 80 percent referrals from satisfied clients.   Most important to Bonnie is providing the most excellent service to buyers and sellers in order to earn their trust, referrals and repeat business.  Bonnie has sold homes in all price ranges from starter homes to high dollar properties to condominiums and investment properties.  Her clients appreciate her flexibility, low pressure sales, patience, commitment to on-going  education in her field, and her ability to listen and hear what a client wants.  And most especially her analytic and NEGOTIATION SKILLS –  a “must have!”

Kathy Peacock Morgan, Real Estate Agent

Cell: 850896-6843

I am a Military “Brat” married to an Air Force veteran. My family and I relocated to the Panama City area in 1990 to be near my parents, also Air Force veterans.

I have a BA in Accounting from Florida State University with experience at a local CPA firm and then as a Senior Accountant with a private company.

Fulfilling a lifelong dream, I joined the ranks of the Central Panhandle Association of Realtors over 15 years ago. My reputation is very important to me and supports my strong beliefs in honesty, trust and service. With gross sales exceeding 34K, I have had the opportunity of working with many wonderful sellers and buyers over the years and am looking forward to creating new relationships in the future!

Velma Phillips, Real Estate Agent

Cell: 850-832-6319


Selected by peers as 1997 REALTOR® of the Year Bay County Association of REALTORS®

Member, Bay County Association of REALTORS®

Member of Communications Committee for Association of REALTORS®

Bay County Association of REALTORS® Honor Society Member

Graduate, REALTORS® Institute

Certified Residential Specialist

Licensed in Real Estate since 1992

Multi-Million Dollar Producer each year since 1993

Selected by peers as 2001 REALTOR® Citizen of the Year


Married 51 years, 2 boys ages 49 & 47, two granddaughters, three grandsons.

Active member of First Baptist Church of Panama City

Past Member of Board of Directors, Habitat for Humanity of Bay County

Past President, Habitat for Humanity of Bay County 2001 and 2002

Member, Bay County Chamber of Commerce

Hobbies include crafts, sewing, walking on the beach, and most of all, spending time with family


I have bought and sold several homes, and I have never worked with a more professional REALTOR® than Velma Phillips. Throughout the entire process (searching, looking, contract, closing and follow-up) she was always on top of things and made sure I got what I wanted, including the best financial arrangements. She went that ``extra mile" to ensure I received that degree of exceptional customer service that only a professional REALTOR® can provide. Thanks Velma for all your help.

-Jack Cox Retired Senior Logistics Analyst Pacer Infotec/Averstar


Thanks for your help in finding and working out the purchase of my first home. Your attention and care was deeply appreciated.

-Janice Shelley Retired Physical Therapist


Velma is a real professional and even more important, a wonderful person. We trusted her completely, and though there were some areas in the process I did not fully understand, I knew she knew and understood what was going on and relied on her for guidance. This was my fourth purchase of a home and she was far superior to any other agent I have used or heard of.  We're grateful to have found her!

-Steve Walke, Retired Tyndall Air Force Base

Wendi Sellers, Real Estate Agent

Cell: 850-481-2022

Wendi entered the real estate realm with 14 years of contract experience and joined Full Sail Realty in 2016. She has a unique blend of attention to detail and networking that will surely bring you to your new home or sell the house you need to upgrade.

Wendi has the gift of making everyone she meets feel like family and she ensures your real estate transaction runs smoothly from start to finish.

Chris Smith, Real Estate Agent

Cell: 912-659-3219

Hi!  I'm Chris Alan Smith and thanks for visiting. 

I practice Real Estate with my wife, Ashley Dunnigan. Together we have over 25 years of experience in Panama City area real estate. We are here to help making the home buying experience fun and stress-free. Our goal is not to just get you through this purchase. 

We want to be your REALTORS for life!

Angela Tanfield, Real Estate Agent


* Licensed Florida Real Estate Agent

* 15 Years working in the Real Estate Industry

* 10 years experience in the property management field.

* Operation, Budgeting and Marketing Experience.

* Social Media Management and Marketing

* Small Business Website creation and Management

* Training, development and supervision of employees with 8 years Leadership experience.

* Excellent customer service and communication, coordinating all aspects of Real Estate operations.

* Also Licensed in Virginia -Your Referral Source if Relocating to VA!


First obtaining my Real Estate License in 2004 from the Real Estate Institute of Queensland, I focused on Property Management for 6 years in Cairns, Australia before relocating to America. I have since become Licensed in Virginia and Florida and have worked doing Property Management, Marketing, Team Management, Team Coaching, Transaction Coordinating, Product Development and Advertising.I believe my best resource to my clients is to continue to be educated in my field in order to deliver the best service possible when assisting in Buying, Selling, Investing or Property Management.

Tammy Weber, Real Estate Agent

Cell: 850-774-8191

Tammy Weber stands for integrity, hard work and perseverance in all that she does. Tammy grew up the youngest of three children in a military family. She learned from an early age how to adapt and overcome obstacles. Her interests and life experience are a diverse mix of travel and adventure while being a devoted wife and mother to three boys. She has spent the last 25 years alongside her husband, a retired Navy Chief Petty Officer. After traveling and living around the world, they chose to settle down and now call Panama City Beach their home.

Tammy spent many years in banking, restaurant management, and community services. The skills she learned along the way prepared her for the challenge of real estate. She began her career in real estate as an administrative assistant and quickly earned her license as well as Military Relocation Professional and Florida Military Specialist certifications.

Tammy genuinely enjoys meeting and communicating with people, sharing ideas and developing successful relationships. She prides herself on being detail oriented, honest, and having the right mix of common sense and savvy to be able to determine her client’s needs and provide them with all of the tools, information and resources they need to make an informed decision on their own. Her goal is to go above and beyond to ensure clients have the best experience.