Vero Beach and Aulani are both right on an ocean water beach. Hilton Head is actually not on a beach but it is a short distance away and they run a bus back and forth. As for real beach resorts those are it. VGF, BLT, BCV and VWL are near little beaches on the internal WDW lakes but you cannot go into the lake water. BWV is right on one of the lakes but there is no beach area.