I am no indicator of comparables, because when I wanted to buy a beach house, only wanted Grayton and wanted at least a good view. Now so glad that Gulf front was not a "wanna," because I wouldn't want to replace my walkovers with every tropical storm. However, one of the big considerations when weighing Seaside was the HOA fees, which were quite large and guaranteed to increase over time. I felt that most of the amenities at Seaside were enjoyed by anyone within driving distance, yet we don't have to pay a monthly fee for it.
When considering a purchase of these houses, one needs to think about the maintenance and management fees, even without an HOA. In addition to insurance and taxes, you have management and handyman charges, commissions if you rent, housekeeping, storm prep, pool maintenance and repair (if you have one), landscaping (even in beach sand), and other incidentals. The salt air really works a house over in a short time.
BUT IT'S WORTH IT!