More "affordable" (depending on your def) waterfront homes can be found around Hudson and Cedar Key areas north of Tampa Bay as well as around Ft Myers and Port Charlotte. There are lakes inland but yeah, mosquitoes and humidity and no ocean breeze.
A lot of homes still haven't been fixed post Milton/Helene and are in the 350-450k range but will require some drywall and interior work in a lot of cases. The problem I have is I can afford the house but then can't afford the boat. Investment potential there but you also run the risk of future flooding and after spending quite a few years on the gulf coast both of those areas north and south of Tampa Bay are much more likely to take it on the chin from storms, which is why the pirates preferred Tampa. I thought about maybe a beach house in T.I or Madeira for four or five years until my parents pass away...
As for Los Colinas....you couldn't pay me to live in DFW.