My realtor friend said that some possibilities are Isabela, Rincon, Aguadilla for English, Beach, Surfing, Boating with Marina, There is a nice property in Horned dorse, maybe he meant Horned Horse, not sure, that you may like.
As to Palmas del Mar, it does not have what I call a swimming Beach, but it has everything else you quoted. There are many beaches outside that you may like 10-15 minutes away. He says Palmas Del Mar is Dirt cheap right now, and that there is a Lot with its own dock that may interest you if you feel like building a Custom Dream house. *** Construction is fairly inexpensive in PR so you can make a nice mansion for little, given that you have a family of 5.
If you give me your name I will pass it along or you can just call him.