I've stayed here loads. The villas are great and some have outside showers. When I've been there we change into wetties at the villa, jump in the car and go to the beach (2 mins), then do the same when we get out of the sea and change outside the villa under the shower .... then head off to the jacuzzi and sauna. I used to go in October though, so it was really easy to park on the beach.
Polzeath is my favourite surfing beach, and I can recommend the Surf's Up surfing school. It does get really, really busy in the summer on the beach though.
Watergate Bay is fab too and much bigger so you there's more space for everyone. I haven't stayed here , but these are the cottages owned by the people whose hotel we stayed in. The hotel is no longer there - as you can see on the web page - they've knocked it down to build apartments, and if we win the lottery I'll be the first to buy one of them, they're in a fab position.
Newquay gets ridiculously busy in the summer holidays, especially if you go when the Rip Curl Surf Masters is on, but there's a great atmosphere about the town, but the traffic/parking can be a nightmare.
Perranporth and Bude are also good for surfing, as is Sennen Cove.
If I think of anywhere else to pass on I'll come back to this. If I'm looking for somewhere new to stay I normally start here .