Hi Mike
It does appear from the link to the Embassy posted by Blott that you may well have to apply for a Visa.There will,of course be people who have taken a chance and not applied for one and no doubt "got away with it" but for you to do so without the knowledge of the penalties incurred or without the forum advising you of the correct procedure would not sit well with people on the forum who would feel they had served you an injustice to give you false advice.
From reading through your posts you sound as if you like to have things organised and done properly and I do not think that you would rest easy not having taken the proper precautions.
As you have given yourself a lot of time before your holiday how about organising a long weekend away with a loved one,book a lovely Hotel in London,some tickets for a west end show and a fancy restaurant reservation and make a mini-break of your trip to the embassy.That way you can have two Holidays to look forward to and relax in the knowledge that you will not be turned away without touching Florida soil.
We have all done stupid things in our dim and distant past Mike that none of us like to be reminded of.To let a mistake of the past spoil what will probably be the most amazing holiday you can experience in such a beautiful Country would surely be another regret.

Lesley