I will second crjack on summer bay. Matter of fact he was a huge help for us when we went on our trip in Oct/Nov. We found Summer Bay to be very nice accomodations. We were in a first floor, 2 BR/2 BA villa. One br had a king bed, the other a queen. Everything was in great working order, quite, and we had no complaints. I was surprised to see how easily and quickly we were able to get to the parks. There is a Publix grocery store very close to Summer Bay (however we found it to be more costly than anticipated), but a Wal Mart on down the road (ask for directions).
Some complaints I had read on here before our trips were lots of bug, lots of noise, dirty. I found none of these to be the case in our situation.
If given the opportunity I would definitely return! Hope this helps.
Also do a search and get the easy driving directions to the parks that several have left by going Black Lake Rd. I cant remember them.