I live in central Florida a few miles from Orlando and moved back here 9 years ago after being in the north for 20 plus years. I grew up in St. Petersburg and if I were single, I would trade in the SUV for a Jeep Wrangler and buy a condo on Pensacola Beach, Panama City Beach or Clearwater Beach or in that area.
I would buy a Seedoo or Waverunner, or at least rent one.