Just because you don't play golf doesn't mean you can't own and operate a golf cart for pleasure. My five closest neighbors have golf carts and don't play golf. I would leave the ATV or sell it if you're moving here permanently and get a golf cart. Then you'll have no doubt about where you can go and you can get there at 20mph, going 15mph would get old fast.
All the Yamaha gas carts can be adjusted to 25mph in about 2 minutes time with no parts needed, but you would be risking a ticket. Those tickets are not for speeding, but driving an unregistered vehicle, because Florida doesn't recognize a golf cart that can exceed 20mph. Pick up a one or two year old Yamaha gas cart like this one for about $6,500 - $7500 and forget your ATV idea.
