Joe,

Lots 1&2 are in Robert Moses STATE Park and the state only allows topless. Lot 5 is also Robert Moses but you had to walk the half mile into the Fire Island National Seashore to reach Lighthouse, a federal beach.
NAC is still working with the US Dept of the Interior on legal issues and it is a time consuming and costly endeavor.
Gunnison Beach in NJ or Cherry Grove are your only legal beach options.