Many Florida communities have subdivision rules about decor, styles colors, and they are pretty strict about them, too. The first thing to do is to check what your parameters are. You might want to go wild, but you might not be able to do so. Fortunately, one of the best ways to perk up curb appeal is with plants, and plants love to live in Florida! Getting rid of some lawn and replacing it with a mounded planting island would really make the front stand out.

We do have some community restrictions. However I am more concerned with the interior decor. I am looking for some classic, warm looks without being cookie cutter. Thanks.

Will you be moving your current furniture with you?

Avoiding the cookie cutter should be relatively easy...especially if you are not bringing all your old furniture with you. can you let us know what you are bringing and post some pics of the new spaces. I live in FL too (full time) and our place is anything but your standard "tropical with palms, pinkish walls, etc".
The outside looks relatively standard for a Florida golf community home...and I agree about getting rid of as much grass as your HOA will allow...planting that are native & drought tolerant will serve you much better than standard lawn (and Florida's aquifers are in danger of drying up). Better to have water to drink than maintain a lawn, yes?