Saugatuck Michigan. Its 3.5 hours from Indy and its perfect for what your looking for. Oval beach is there also and it's like being in Florida. The small town has that Murder she wrote feel. Like the town Marshall would be a guy in jeans and a vest driving a faded out 77 Blazer.
The small town is full of great food, art and just relaxing. Think Nashville Indiana but 4x the size