Nice town "on the water". ( streets indeed are really close to the ocean). there are some nice restaurants, cottages and beautiful beaches
Same with Tarpum Bay, small town with some local flavor but I didn't find much to do there. Granted I'm not much a beach-goer. I'm a little more active. Although if you want a true taste of the local food, there are a few spots in Governor's Harbor I'd recommend going to.