Real Estate Consultant
Amber Swinney
Buying and selling real estate doesn’t have to feel boring or overwhelming... and with me, it won’t. You’ll get a mix of financial savvy, hands-on construction knowledge, and real-world investing experience to help guide you. I know how to spot a great opportunity, ask the right questions, and help you make smart, confident decisions.
From Beachfront Bliss to Bustling Boardwalks
COMMUNITIES
Discover the coastal communities of Okaloosa, Bay, and Walton Counties that perfectly suit your lifestyle. From vibrant waterfront towns filled with activity to serene beachside escapes, Florida’s Emerald Coast offers something for everyone. With local expertise and trusted guidance, we’ll help you find the ideal place to call home, enjoy a vacation retreat, or make a smart investment.
Is it a good time to sell?
Let me provide you with a personalized, in-person valuation report. You'll receive an accurate, detailed analysis of your property's value, including insights into market trends and potential opportunities for improvement.
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Your Personalized
Real Estate Guides
Expert Insights for Your Next Real Estate Step
GUIDES
Get the Guide That Matches Your Goals
Choose the real estate guide that fits your needs—whether you're buying, selling, or just exploring your options. Simply select from the list below and submit your info to receive your personalized guide.
Contact Me
Questions? Reach out and I’ll respond right away.
A Little Bit
About Me
Buying and selling real estate doesn’t have to feel boring or overwhelming... and with me, it won’t. You’ll get a mix of financial savvy, hands-on construction knowledge, and real-world investing experience to help guide you. I know how to spot a great opportunity, ask the right questions, and help you make smart, confident decisions.
When I’m not helping clients find their dream home or next investment, you’ll likely find me paddleboarding, reading a good book, or soaking up time with my family.
My approach is simple: clear communication, honest guidance, and a smooth experience from start to finish. Whether you’re buying your first home, selling, or investing for the future, I’d love to chat!
Hear What Our
Clients Have to Say
"Scott did an outstanding job in finding us a "home". My family and I are military and we were purchasing a home from North Dakota so we needed a realtor who was able to show a lot of properties via FaceTime and have the patience to answer all our questions in detail as we weren't able to travel to F… Read Morelorida to see the house before purchase. Both my husband and I have served for over 20 years and we've never been able to call any place home until now. Anyone could have sold us a house but Scott ensured we felt comfortable both with the house, schools and the area we chose. He was available to answer all our questions. The VA made this process hard to navigate but he pushed through all the red tape and found us a good lender who worked with us every step of the way." Read Less
Daniel Geisel
Bought a Single Family home
"Scott helped my family and I find our dream home. We moved here from Alabama and went through a few realtors before we meet Scott. He was very helpful and honest about all the house we looked before we found the prefect one. We wanted a house near the beach. Scott helped us find that. We are 0.1 mil… Read Morees from the beach and we are right across from the bay. We are in a prefect location. We thank Scott for all he has done. I would recommend Scott Kirkman to anyone looking to buy. He is a very honest and truthful man . An amazing guy." Read Less
bsdavis1311
Bought a Single Family home in Upper Grand Lagoon
"We had one day to find a house. Called him on Friday and spent Saturday driving all over Panama City. In the end we found exactly what we wanted he supported and was amazing during negotiations. He also helped me find a temporary rental until we close. Scott is the only realtor I will ever use again… Read More. He's honest And truly cares about who he serves. Wish I could steal him for my company." Read Less
bill pedersen05
Bought a Single Family home in Panama City
"As a young couple with a newborn (during a pandemic) and also first time buyers, Scott Kirkman was a life saver! We couldn’t tell you how many questions we had at all hours of the day and he answered every single one of them, which came as no surprise as he was previously both mine and my fiancé’s p… Read Morerofessor and was just as driven and passionate then as he is now with finding people the perfect home. We had a few bumps in the road (on our end) and Scott got us through each step and in touch with the right people who made it happen for us and we couldn’t be more thankful. Currently recommending him to all of our peers looking to buy their first home as well as just anyone who wants a smooth and pleasant experience overall in buying or selling! 5 stars all around for Scott Kirkman." Read Less
zuser20180306225133632
Bought a Single Family home in 2020 in Panama city, FL.
"Scott is one of the best in Bay County. He worked with us through the whole home buying process. He was available any time we needed him and he was very knowledgeable about the whole home buying process. I would highly recommend using him if you are in the market for a new home."
michael sparks1978
Bought a Single Family home in Lynn Haven
"Scott is a fantastic real estate agent. He is the ultimate professional who provides support and attention to his clients. He is also easy to work with. Highly recommended."
Douglas Wells
Sold a Single Family home in Panama city beach, FL.
"Scott was great to work with and was there to guide us every step of the way. He's very knowledgeable. I highly recommend Scott to anyone looking to buy or sell a home."
lgrannan28
Bought and sold a home in Lynn Haven
"Scott went above and beyond for us, we highly recommend him. Our experience with buying a house was crazy but Scott was there every step of the way handing everything for us."
chrissparks28
Bought a Single Family home
"Scott helped us find and close on our first condo at the beach. He was there for us every step of the way throughout the process. He made it a very simple and easy process. Thanks for all of your help!"
kd172005
Bought A Condo
"Scott is an excellent and easy to work with. At a moments notice, he helped me get into houses to check out and once got me into a house within hours of it being listed. My favorite thing about Scott is that he is responsive and was attentive to my many concerns as a first time home buyer."
HungTran593
Bought a Single Family home in Lynn Haven
"We were paired with Scott via Zillow, and could not be happier that we were. He was patient, understanding, and professional as he took the time to show me homes in person, while I showed them to my wife on FaceTime. Once he knew what we were looking for, he diligently worked to find us homes that f… Read Moreit out criteria. We could not have asked for a better Agent to have been paired with to help us find our home." Read Less
orkies53
Bought a Single Family home in Cedar Grove
"Always a good experience with Scott... great communication, availability is awesome, pleasant to do business with. I recommend him to anyone who has a need in real estate!"
dionjunk8
Bought a Single Family home in Lynn Haven
"Scott is very patient, great in responding to my calls and messages and accommodating to my time when it comes to showing a house ...and that's what I like the most about him. Sometimes we .. as a buyer's do not know what we really want ( that was my case)...I wasn't sure what kind of house I was lo… Read Moreoking ..also I wasn't sure about the location...but Scott made my search much easier . Thank you. I totally recommend Scott Kirkman....you won't regret it!!!" Read Less
indrebeaty0802
Bought a single family home.
"Scott did a great job helping my husband and I find the perfect home. There was some negotiating to be done and we were pleased with the outcome. He was very responsive and was a pleasure to work with. Highly recommend."
Becca Pickern
Bought a Single Family home
"Scott was very helpful throughout this buying process. He was particularly helpful during our mortgage processing period helping to keep all parties informed of changes/updates, etc. When I needed assistance, Scott always provided it in a timely and competent manner. I would recommend him/his servic… Read Morees without reservation." Read Less
moyerdm dm
Sold a Single Family home
"Scott Kirkman is the realtor you want!!! We are a military family that lived in Japan at the time. We changed our minds multiple times and our bank wasn’t the easiest to work with and he still took on the challenge and always made things easy for us. He stuck by our side the entire time and was our … Read Moreeyes and ears since we couldn’t be there physically. He’s very flexible, understanding, never pushy, and realistic. He even was our chauffeur when we arrived to Panama City to go to signing. He does it all! We are happily living in our new home and are grateful for Scott! We highly recommend choosing Scott Kirkman." Read Less
heather minters
Bought a single family home.
"We were coming from out of state and did not have any Realtor representation. We simply saw some houses on Zillow that Scott Kirman represented. Scott and his family were going on vacation but he went to one of our target homes and did a full video of the lot and the house both inside and out. Given… Read More we were over 1,000 miles away, this was very helpful to make a decision to spend the time and money to come see the home. Scott was very knowledgeable of the local real estate market, local issues & how things were done. He helped us locate a new home and managed the entire process with the sellers, title company, inspectors, and so forth why we were 1,000 miles away. Extremely seamless. When making a major purchase like a home, you need to be well represented and have trust in who is representing you. Scott's high level of integrity and knowledge gave us confidence and peace of mind throughout the entire process." Read Less
zuser20170715172405870
Bought a Single Family home
"My experience working with Scott Kirkman was excellent. He was very patient with us and even though we were out of town he made every effort to find us the perfect home for our current needs."
user9192782
Bought a Single Family home
"Scott was awesome, he was with us all the time trying to find our new home and he made it happens, he knows what he is doing and he doing it really good, thank you scott Scott es una persona responsable profesional y amable, siempre estuvo con nosotros tratando de encontrar nuestra casa nueva y el l… Read Moreo hizo posible, el sabe hacer su trabajo y lo hace muy bien, muchas gracias scott" Read Less
nandolande1
Bought a Single Family home
"Scott never gave up on us!!! We are a lower income family and were having a lot of trouble with houses being sold real fast or being out bid. Scott understood that we were an honest family looking for our first home only to have our dreams being taken by flippers or rental companies. Scott was very … Read Morequick to send us links to newly posted available houses and to meet us at the drop of a hat. Scott spent more than enough time with me explaining EVERYTHING!! He even explained the same things to me two or three times (first time buyer). Scott is very well connected with local companies and the community that made our home buying experience a breeze. If he did not have the answer to my questions, he would find the answers....and fast. I recommend Scott Kirkman to anyone who needs a good realtor and an honest person who really cares about people, not just a paycheck." Read Less
mary ellen hutton
Bought a Single Family home
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