I live off of 192 about a mile east from Summer Bay. There are lots of decent restaurants nearby. If you take 192 East towards Disney, there is a new Houlihan's that just opened (I haven't eaten at this location, but I have eaten at others, and it was good). There is a TGI Friday, Cracker Barrell, Outback Steakhouse, a decent Chinese place, Taco Bell, and Giordano's (great pizza!!!) in the Formosa Gardens shopping center which is about 4 miles or so east on 192 from Summer Bay. There is also a Dairy Queen there also if you are looking for dessert.
I would recommend avoiding Beef O Brady's (which is located in a mini-mall with Subway and Domino's on 192)...I got massive food poisoning from that place, and one of the servers who used to work there told a friend of mine that he would never ever eat there himself. The Subway and Domino's are great - I eat at those place all the time, but I would avoid Beef O Brady's. There is also a Papa John's in the Publix Shopping Center (on 192 right before you get to Route 27), which is very close to Summer Bay.