I found this info on Stitchkingdom...
Disney Resorts Private Photo Shoot - You can arrange for private 30 minute photo sessions with a Disney's PhotoPass photographer at the
Grand Floridian, Beach Club, Polynesian, Wilderness Lodge or Animal Kingdom Lodge. The session includes around 40 photos (limited only by time) taken around the picturesque resorts and their beaches. Please note that as of September 1, 2008, Portrait sessions at the resorts are a separate entity from the Disney's PhotoPass system in the theme parks. While both Parks and Portraits use the same system for their photos, they are separate products. There is also a new pricing structure in place, which is as follows:
Disney's PhotoPass Portrait Session Photo Package - For a price of $49.95, you will get your choice of one of the following packages:
(A) 8x10 (2), 5x7 (3);
(B) 5x7 (2), 4x6 (4 sets of 2);
(C) 5x7 (7). You will be able to choose the pose for each print, so you can have up to five different poses for Package A, up to 6 different poses for Package B and up to 7 different poses for Package C
Disney's PhotoPass Portrait Session PhotoCD - For a price of $99.95, you will get your choice of photo package as explained above plus all of the photos on a PhotoCD.
Note you will not be able to enhance the photos on the Portrait Session PhotoCD, but you will be given a PhotoPass ID to use on
disneyphotopass.com to make any desired edits/enhancements and future purchases.
Reports from guests who have participated in the photo sessions are overwhelmingly positive, although guests are under no obligation to make a purchase if they are not satisfied with the photos. Available times are seasonal, starting daily at 8 am until 7 pm or sunset, whichever comes first. Call 407-824-1700 to make reservations up to 30 days in advance or for additional information.
*EDIT* When I stayed at the Yacht Club last August there was a PhotoPass Photograpy outside near the entrance to Stormalong Bay. He was taking photos for anybody. He would take a couple of shots with the lighthouse and the Boardwalk in the background. I can't comment on other resorts, sorry.