I bought my regular Annual Pass at Guest Relations at Downtown Disney, I would imagine you could get your Florida Annual Pass there as well. It's right next to the Team Mickey store
We are locals now, and always go to Fort Wilderness to park, then hop on the buses to the boat dock which take us over to the MK. You can get to Fort Wilderness by using the back roads over from SSR, making a right just past OKW, then making a left at the light just past POR.