Meet The Coastal Choice Team

Ashley Dunnigan, Broker/Owner

Coastal Choice Realty

Office: (850) 215-4160

Cell: (850)527-9744

Email: [email protected] 


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 this home when they got married, then passed it down to my mother, who has now passed it down to my brother, who has raised 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 the Broker / Owner of Coastal Choice Realty.  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 stepchildren.  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.


Chris Smith, REALTOR®/Owner

Coastal Choice Realty

Cell: (912) 659-3219

Email: [email protected]


A Georgia transplant (GO DAWGS!), I moved to the area in 2007 while still employed in broadcasting.  After a successful 25-year broadcasting career I was looking for a change.  Thanks to the encouragement of my wife, I became a licensed REALTOR in 2011.  Since acquiring my license, I have had the privilege of working with hundreds of buyers and sellers while also serving my community.  With the local association of REALTORS, I have served on the Charity Golf Tournament as co-chair as well as completing Leadership and on the communications committee.  I have also served a term as president of the local chapter of the American Cancer Society as well as committee member for various events with the Krewe of St. Andrews including the Golf Tournament and Seafood Festival.  


I am blessed to be the father of two wonderful children who have become successful adults in their respective fields.  I also work with my wife as a pet advocate helping foster rescue animals.

Diane Cofer, REALTOR®

Coastal Choice Realty

Cell: (850) 832- 5648

Email: [email protected]


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 Women’s Club, and previous member of the Junior Women’s 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.

Dennis Dunnigan, Broker Associate

Coastal Choice Realty

Cell: (850) 258-3880

Email: [email protected]


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 I now have the honor of working at Coastal Choice Realty with my daughter Ashley who is the owner/broker and an incredible team of Realtors.  I deal with residential real estate, and I 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!

Ann Hayward, Broker Associate

Coastal Choice Realty

Cell: (850) 630-5325

Email: [email protected]


Hi, my name is Ann. I was born and raised in the Hampton Roads area of Virginia. I

attended Virginia Wesleyan College where I received my bachelor’s degree in Business

Management. I am the mother of two beautiful daughters. I met my husband in

Virginia on the soccer field. Soon after he retired from the Navy and moved to Panama

City. It only took me a few trips down to see why he wanted to move here.


Once I was here, I needed to decide what I was going to do with my time. In Virginia I

had a career in accounting, as a Vice President/Relationship manager in a Trust

department and as a paralegal. It was time to do something new and real estate

sounded like a perfect fit for my background experience. 


I am a Broker Associate and have received the designations of GRI (Graduate

REALTOR® Institute), MRP (Military Relocation Professional) and FMS (Florida

Military Specialist).  I enjoy meeting and helping people buy and sell real estate. Every

transaction is different. I look forward to having the opportunity to assist you with your

real estate needs.


In my free time my husband and I love to fish. It would not be unusual to call me and find that I am on a boat in the Gulf of Mexico. This area is truly Paradise and I want to help you find your piece of bliss.

Jean McDougall, Broker Associate

Coastal Choice Realty

Cell: (850) 896-6612

Email: [email protected]


Jean McDougall is a native of Bay County and former military dependent of air defense in Florida.  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 a member of Bay County Chamber of Commerce, former member of Alzheimer’s Alliance and event coordinator for 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’s promise is to, “help you gather all information to make an informed decision and guide you through the process”.


When it’s play time, my all-time favorite is scuba diving.  Panama City Beach is home of the “world’s most beautiful beaches” and incredible wreck/reef diving.  Island time at ‘Shell Island” is another great place to gather and enjoy.  Panama City is full entertainment whether young or wise there is plenty to do.  Come enjoy!

Cindy Hamre, REALTOR®

Coastal Choice Realty

Cell: 850-258-7930

Email: [email protected]


My name is Cindy Hamre and I 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 of over 22 years, and I enjoy working with Active Duty and Retired Military with all of their Real Estate needs.


My experience includes varied aspects of Real Estate, including helping buyers find the right 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 Real Estate need is:  purchasing, selling or investment property, I am ready to help you sail!


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!

Rebecca Hill, REALTOR®

Coastal Choice Realty

Cell: (850) 896-0160

Email: [email protected]


Hello, I am Rebecca 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 working 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 an 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!

Mackenzie Wallace, Realtor®

Coastal Choice Realty

Cell: 850-532-8470

Email: [email protected]


Hi y’all! I am a Panama City Beach, Florida real estate agent who has developed a passion for finding a home that suites your lifestyle.


My goal as an agent is to provide a fun, yet professional experience. Home buying should be exciting! Whether you are buying or selling, I will make this process stress-free, while also ensuring you are knowledgeable and comfortable the entire time.


I choose Coastal Choice Realty as my brokerage because it has a family feel while also possessing the willingness to go above and beyond for each client. Thus, allowing me to provide the best service for you.


When I’m not assisting you with real estate needs, I am a huge book worm. I have read at least something in just about every genre. My two massive dogs definitely love this about me, because it allows them to cuddle up alongside me while I read. In the fall on Saturdays, I am screaming “Roll Tide,” while giving my coaching tips to the tv directly from my couch. Don’t let that detour you though, one thing about Bama fans is our willingness to go above and beyond to get the job done! Roll Tide!


For all your real estate needs, call me!

Tammy Weber, REALTOR®

Coastal Choice Realty

Cell: (850) 774-8191

Email: [email protected] 


As a real estate professional, I stand for integrity, hard work and perseverance in all that I do. My interests and life experience are a diverse mix of travel and adventure. I grew up in a military family and have spent over 30 years alongside my husband, a retired US Navy veteran. We have traveled and lived around the world while raising our 3 boys and are proud to call Panama City Beach our home since 2013.


I genuinely enjoy meeting and communicating with people, sharing ideas and developing successful relationships. I take pride in being detail oriented, honest, and having the right mix of common sense and savvy to be able to determine my client’s needs and provide you with all of the tools, information and resources you need to make an informed decision on your own. My goal is to go above and beyond to ensure you have the best possible resources available during what is traditionally the largest investment or decision in your lifetime.

Kim Barnard, REALTOR®

Coastal Choice Realty

Cell: (850) 774-2669

Email: [email protected]


Kim Barnard became a Florida transplant in 1992. Since her husband’s first assignment to Tyndall AFB (returning 2 more times), she has always referred to Panama City as home. Having traveled the world with her husband with the Air Force, she has yet to find beaches better than the ones right here in Bay County. She and her husband Tim loved the area so much they retired here to be near their sons and their families. Family is extremely important to her as well as her faith in Christ. The Barnards have been long time active members of St. Andrew Baptist Church, where Tim and Kim currently serve as leaders/hosts for the college and young professionals’ group called “The Bridge”. The Barnard family continues to serve with various local organizations and events within our local community. 


Kim’s real estate knowledge is a culmination of a few different influences. Moving 14 times during their military career, she has gained firsthand experience for just about every aspect of relocating you can think of, from renting, buying, selling and investing, not to mention some serious packing skills. She also has gained four years of long- and short-term property management experience, and is great at helping parties negotiate on either side of the transaction. After getting first licensed in 1998, she has continued to gain knowledge of many different aspects of real estate and looks for ways to improve how she can better use her abilities and experience to assist families in achieving their real estate goals. Don’t let buying or selling your home overwhelm you, let her walk with you through the process and help guide you on the path to realizing your dreams. Just call Kim, she is a Realtor with a passion and drive to see you succeed and attain the perfect fit for your needs.

Angela Tanfield, REALTOR®

Coastal Choice Realty

Cell: (850) 814-1718

Email: [email protected]


* 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.

Kathy Peacock Morgan, REALTOR®

Coastal Choice Realty

Cell: (850) 896-6843

Email: [email protected]


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. 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, REALTOR®

Coastal Choice Realty

Cell: (850) 832-6319

Email: [email protected]



  • 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

Kimberly Miles, REALTOR®

Coastal Choice Realty

Cell: (850) 527-4879

Email: [email protected]


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 here since 2004 when she relocated with husband and children. She stands strong on her ethics and pays close attention to details which has allowed for her success through the years.

Nancy Granese, REALTOR®

Coastal Choice Realty

Cell: 678-953-0690

Email: [email protected]


Greetings Friends,


I am Nancy Granese and have resided in Bay County, FL since 2000 with a total experience of 17 working in the real estate industry. As a new agent to the company, I am honored and thankful to be a part of the dedicated and professional team at Coastal Choice Realty.  Coastal Choice is family owned and operated and that is a perfect fit.  Prior to entering real estate, I served my country in the United States Navy as a Religious Program Specialist.  These experiences instilled in me the discipline it takes to be surrounded by a powerful real estate team and cohesive family unit.  With high standards, integrity, respect and dedication, it would be an honor to help make your buying and selling experience an enjoyable and confident endeavor.

Wendi Nation, REALTOR®

Coastal Choice Realty

Cell: (850) 481-2022

Email: [email protected]


Wendi entered the real estate realm with 14 years of contract experience and joined Coastal Choice 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.

Jim Vider, Broker Associate

Coastal Choice Realty

Cell: (850) 596-0637

Email: [email protected]


Licensed since 1993 and specializing in condos, waterfront properties and higher end homes. Well known in both the Real Estate and condo communities by serving as a Real Estate Association Board of Director for 10 years and President in 2001 and I also served as a Board of Director of Treasure Island Resort Condo Association for 9 years and President for 3 years.

Gail Elliott, REALTOR®

Coastal Choice Realty

Cell: (850) 624-2788

Email: [email protected]


I’m Gail Elliott and am very proud to be a part of the Coastal Choice Realty family.   I moved to Panama City in 1995 from Tennessee to the Panama City area.


Most of my work experience since coming here has been in Customer Service-related areas.   I enjoy meeting and helping new buyers and sellers with their Real Estate needs.  I work diligently to communicate, and I carry the values of hard work, integrity, and outstanding client service into everything I do. I keep clients well informed through their buying or selling process.  I have walked many Sellers and buyers through the process and gone the extra mile when needed to help them find their dream home, condo, or investment property.


My professional experience and education:

I own a seasonal short term condo cleaning business and have managed short term rentals in the past. I have taken classes in marketing in business and also continue to educate and stay informed with the ever-changing Real Estate Market.

I enjoy spending time with family and friends.  I have two sons, three granddaughters, and one grandson.  I also have a Saluki daughter named Zephyr.  I enjoy spending time with her outdoors.  I enjoy the outdoors, the beaches, and parks at one of the most beautiful places in the World. 

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