My experience is somewhat limited, but I don't think you'll find any restrictions in the county as far as erecting antennas unless you're looking to buy in a neighborhood. There are a lot of "neighborhoods" that are outside of city limits but still have homeowners' associations and covenants in force. Some of them are just a single cul-de-sac off a major highway!
Now, I'm sure you're aware that some Federal laws preempt local zoning or covenant restrictions when it comes to amateur radio antennas (as well as TV antennas and satellite dishes) but as is true of anywhere in the country, not all homeowners associations know or care about that and will cause issues if they are on a power trip.
I got lucky because my neighborhood's developers kind of abandoned it before building it out fully, so the covenant never technically went into effect. I've had no issues with ham and scanner antennas going up behind my home.
Now, if you're looking to buy a home on a plot of land (or build something) that's outside of a neighborhood, I don't think you'll have any issues at all as far as local regulations go. My personal opinion is that if you're looking for something a little more rural, pretty much any of those areas are good choices, although be forewarned that Loxley is growing by leaps and bounds and what's farmland today might be a Lennar or Adams Homes neighborhood of a hundred houses next year, lol.
As far as local hams, there are a few clubs that operate repeaters but none of them other than the South Baldwin Amateur Radio Club one in Robertsdale have, in my experience, much in the way of activity. I'm pretty sure the WB4EMA one is always available along with the one way up north in Rabun but the times I've monitored them, I haven't heard anything more than the occasional blip of activity. There's much more activity, in my experience, on the ones in Pensacola, and I get the feeling their clubs are probably a bit more well-attended, too.
But to be fair, I'm speaking as an inactive ham who hasn't tried to join any clubs, so I could also be way off base, lol. I just go with what I hear on the radio. In a decade of listening (and trying to call out for other users) I don't think I've found a 70cm repeater that's active, either. There's also one D-STAR repeater supposedly in Magnolia Springs with wide area coverage but I've never heard it active. I don't have a D-STAR radio, though, so I'm not 100% sure it's actually offline.
One last thing that may or may not be worth considering is that the area east of Loxley, and around Elsanor and off towards Seminole is where all our big TV and radio stations broadcast from, and it's kind of an RF hot zone. I'm 15 miles away and occasionally suffer intermod and overload issues with SDRs, so I can imagine how much worse it would be right up near those towers.
