The chocolate sounds good. - maybe Chocolate fantasy - no-one would know what it is and it sounds nice...

"Coastal fantasy" - rather than Urban fantasy. I think we can rule out "Urbane fantasy".

Mainely Fantasy. Small-town fantasy caputures it quite well. I can't see why modern fantasy or contemporary fantasy don't work. Maybe just advertise as "Genre crossing fantasy" and let people make their own minds up. I hate pigeon holing books.