I know you mentioned that you are interested in the central Florida area, but I highly suggest checking out the Keys.
My parents spend a month or two in the Keys each winter. They bring their boat down, and enjoy the laid-back environment. Each year Me, DH, DSister & Brother-in-law, and other DSister and her fiance go down to vivist. My parents rent a canal front home with a dock for the boat in the area of Big Pine Key, Summerland Key, or Ramrod Key. It is about 30-40 miles from Key West. It is absolutely beautiful! And Key West nightlife is not too far away. The Keys don't even seem like Florida - they are more like a tropical island environment!
39 days and counting until I am in the Keys!