Lower Bay is second only to Princess Margaret Beach. It's much longer with bits of old coral reef jutting up on the tide line and with quite good snorkeling to be had at the very far end. There are a number of pretty good eateries and bars too, which in season quite simply 'bop'. Out of season not all of them tend to be open though. A word of caution; there are a few manchineel trees lining the top of the beach adjacdnt to the road. These trees are toxic and the fruit (small, green and apple-like) are potentially deadly if eaten. Steer clear and don't shelter under the trees should there be a sudden topical shower,because the run-off from the leaves can cause burning or irritation. The trees do have warning signs nailed to them.
Lower Bay's great for a family day out of swimming and chillaxin' - lots of locals hang there too at weekends. It's okay to BBQ too. Another heads up: in season during regatta time, the road down to the bay is closed off from traffic, otherwise it'd be rammed. The hill down is pretty steep though not too long. After a day on the beach and time in the bars, however, it might be a bit more of a challenge getting back up.
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