Boat or not? For walking in w/o boat, the surf cant be beat right now cause its flat, but as far as the bays go, go south on the Island and fish the flats across the the road from the Port Royal hotel down to Fish Pass. Plenty of shallow flats and drop offs down through there.
I am not gonna touch the croaker question with a 10 foot pole. I will just say we have a lot of sucess there with topwaters and gold spoons.