Charles Thomas Cottrell (1863-1952) was a professional photographer in Pensacola from the 1890s to the mid-1940s. Originally from Kentucky, he moved to Pensacola in 1893. He established a photography studio at 204½ South Palafox Street circa 1900. (1.)

titled within lower plate impression:

“Moonlight on the Bay”
by Charles Cottrell, Pensacola, Florida

1.  Pensapedia website accessed April, 2012