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Beachfront Cottage Resort (Parrot Cay alternatives)?

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My wife, 1 year old son, and I are planning a vacation to the Caribbean in late Sept.

Our wishlist is as follows:
- 1 bedroom beachfront villa / cottage, ideally facing the ocean and with a plunge pool
- part of a resort with restaurants, activities, etc. (not a rental property)
- great beach and calm waters

I've found that Parrot Cay resort in the Turks and Caicos pretty much meets every single one of our requirements, the problem is that their 1-bedroom beachfront villas are $1800 per night....and that's a 40% discount off their in-season rate!

We have stayed at the Westin in St. John before, beautiful villas, we paid around $250 per night (priceline), but those villas are not on the beach.

I can see us spending as much as $500 to even $700 per night, does anyone know if there are other options less pricey than Parrot Cay?

Thanks in advance for any help or insight!

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