eventho u say u want water and not orlando, u can always find a lake to live on in orlando :P hahaha
but i vote orlando, plus we have a huge bmw community in orlando
cfbmw.org (we meet twice a week usually)
if i had to choose any of the areas you listed, and it may seem bias b/c i live in orlando, but i still say orlando/central florida and even more specific, college park, thornton park, maitland, lake mary are all great locations!
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