If you want fhu(and cable) and inexpensive, try Topsail Hill State Preserve (park) in the destin area. It's only about $40-45 a night. The sites are not on the water, but their is a pathway that you can walk, bike ride or ride a tram to. Or there is St Andrews State Park which is a little peninsula itself. The campsites are on the bay side, some of them on the water and the beaches are on the other side. Only water and electric though. Any commercial parks on or near the water are gonna be expensive. Sme of them over $100/night and packed in like sardines. You might be able to find something in between. The two we mentioned, we have been to and enjoyed.