You will find that the pay beach is well hunted. I hunted it about a year ago and found very little. There is a small motel beach on Lake Roy, when I last checked it the motel was under rehab from the hurricanes and couldn't find anyone for permission. I hunted a public boat ramp on Lake Roy and picked up some change. The old boat ramp and park on Lake Shipp might be a good water hunt site. There are several small boat ramps on all the lakes and many people swim at them. Look for a bait shop who has a plastic map of the Winter Haven Chain to find those ramps.
I would hunt around all the boat ramps. Every lake in WH has a park and ramp. Allot of stuff is lost loading and unloading boats. Lake Howard would be my first stop.