I present to you the most based tourist town in America: Tombstone, Arizona
(media.greatawakening.win)
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good choice but too far from the beach for my tastes.
I would look at Victoria Hills golf club, especially if you enjoy the world's greatest game :)
I don't golf at all, also those communities tend to have HOA fees. We paid enough as it is. We don't have an HOA but live across the street from homes that live on a lake. None of those homes across the street flooded this year luckily and the elevation comes up quite a bit, so luckily our area was safe from flooding as water didn't come anywhere near us.
Also New Smyrna is about a 45 minute drive. We we live right now, we're also about 45 minutes from the Great Lakes. I can't tell you the last time I've actually been to the beach to sit. Last time I've been in the lake is probably more than 20 years. We're more walkers and hikers.
HOAs are communism.
I have mixed feelings about them. In a gated community there's no other way than to have an HOA because who else is going to pay for the gatehouse, the fence, the security? But in just about all NEW subdivisions that aren't gated, you have HOAs by default as well. Forces people to keep their properties looking good. I've never been in one and refused to buy in one to keep my costs down, but there can be positives as well.
There aren't any positives. If your grass is too long, or you leave your garbage pails out after a certain time the next day, or you have curtains/blinds they don't like, or park where they don't want you to, you get fined. They'll put a lien on your house for painting window trim the wrong color.