My friends stayed at Coconut Tree cabins several years ago. We dove with them all week also. PJ & Gay run a good outfit. The cabins themselves are older, secluded, the ones on the south side are blocked by the 3+ story Coconut Tree main building in front of them. I think there's some across the road but IDK if they'd have a water view. Friends shared a 2BR, it had a full, large kitchen and small living/dining area - six of us mostly filled it up sitting around. The studios are adequate but no appliances except a mini-frig. There's a small store in the CTD building and Woody's - the bigger market in the West End - is a block away. Good restaurants in all price ranges within a block in either direction and some good bars. Also a lot of local shops. Friday night the whole street is active. Sundowners Bar just across the street is on the beach and has reasonable - but simple - food. Also an Internet cafe.
The beach and dive dock are just across the street. There's no shore dive off Half Moon Bay
Beach unless you want to swim a long way out. CTD offered to drop us out there one afternoon if we wanted to swim back in. There is a dive off the east point of Half Moon Bay - you get in at
Seagrape Plantation landing and drift around the point to
Half Moon Bay Cabins to get out. About a 5min. walk to the West End from there - I rented a house on the point.
A little more upscale option might be
Luna Beach Resort. Obviously it's on a beach, they have a dive operator on-site and snorkeling. Also a swimming pool and on-site restaurant and bar(s). No shore dive there either though. It's at the far end of walking distance to the main part of the West End but there's a water taxi.
There's also a few rental houses off the Spooky Channel dive site which is shore accessible and has a beach - here's one in the complex.
Sandy Bay Vacation Rental - VRBO 113673 - 2 BR Roatan House in Honduras, Paradise Found at Spooky Channel Villa, Roatan, Honduras but finding off-site tank rentals in the West End or Sandy Bay is tough on Roatan. I've heard Sueno Del Mar will - afaik Coconut Tree doesn't.
Bananarama in West Bay meets all your criteria also afaik except for shore diving. There are good dives farther out off West Bay but I think it's too sandy/shallow near shore - but I've never seen it from that side - only from a diveboat.
http://www.bananaramadive.com/
I've never been to Reef House but I understand it's pretty isolated. Not sure if casual divers would find enough other stuff to do nearby. They don't appear to have a beach either - just concrete steps down to the waterline.
