If you re interested in the keys and bahamas then SE Florida is where you want go be
Personally i don't like the FTL area are there are few things to donwith a boat besides cruisng up and down the icw looking at homes and people. There are few anchorages, especially with a 50 footer and the water is brown and yucky
Further south, biscayne bay is anneal gem with protected deep blue green water and the gateway to the keys. There are many nice condos on the bay with either their own marinas or a marina within walking distance
If you are retired and don't have to commute traffic is a non issue. I d look at Coconut Grove or Brickell ave. These days you can probably find a 2/2 1500sq ft unit in a good building with full services (concierge valet secutrity) for well under 300k. Both were areas are very safe day and night
The downside of condos is maintenance fees... Plan on $600 to $ 900 a month for a full service building with pool, gym, etc. Sounds expensive but you don't have to worry about yr own Pool, landscaping, etc