you can snorkel off some piers, but it is true. the walk-in beaches is NOT what peolpe go to AC for. they go for the people, relaxation, (drinking), culture, & natural beauty. figure on not wearing shoes much.
plenty of day & half day snorkel/mainland trips to keep you happy. the reef is near. spend the rest of your time with your feet up staring at the horizon. that is what i do.
the choice of condo or house is up to you. lot of nice of each.