The Verdict · Arvada, CO
$3,399–$3,988
real monthly · incl. fees + insurance
5★
11 Google reviews
No major red flags
worth watching
A well-rated community where the real cost runs ~$154 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
About $14/mo here — the one thing worth sorting before you sign.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Oxenfree Clear Creek Apartments.
“Ive lived in the neighborhood a long time and as many I was surprised by this community being build so close to our houses. However I've been delightfully surprised the community is beautiful and well kept! Before they started building here the field was full of trash and homeless people. I for one…”
“Moving in was fast and easy. The leasing office communicated with us multiple times before we arrived and were ready for us promptly at move in time.”
“Tiffany was absolutely wonderful when giving me a tour of the complex. She's incredibly knowledgeable, answered every question I threw at her, and made sure to patiently walk me through everything! The leasing process couldn't have been easier, and the units are stunning.”
“Amazing property and great staff. Such a beautiful community and quite... still have construction going on but they are on top of keeping it clean and quite as possible. Would recommend checking this place out”
“The Staff was Great and was they openly engaging answering all my questions”
3640 W 65th Ave, Arvada, CO 80003
North Denver
What Oxenfree Clear Creek Apartments Really Costs
The sticker rent isn't the whole number. Here's what Oxenfree Clear Creek Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$14/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Oxenfree Clear Creek Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Utility-Trash
Charged per unit.
Utility Fee
Charged per unit.
Utility - Sewer
Charged per unit.
Utility - Water/Sewer
Charged per unit. Payable to 3rd Party
Utility - Gas
Charged per unit. Payable to 3rd Party
Application Fee Per Applicant
Look and Lease and receive waived application fee Charged pe r applicant.
Parking Fees
Garage Lot
Garage included in rent
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Arvada looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Arvada property crime
2,320
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Oxenfree Clear Creek Apartments's on-site security (Property manager on site, Gated, Covered parking, On site maintenance) helps on the margin.
Source · FBI UCR · Arvada · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
The seismic picture at Oxenfree Clear Creek Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.12g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in Denver County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Denver County
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
Renters Insurance at Oxenfree Clear Creek Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Oxenfree Clear Creek Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2320/100K (47% above national average)
What You'll Likely Pay
$14
Est. monthly
$166
Est. annual
$13
With discounts/mo
$15
State avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Oxenfree Clear Creek Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Oxenfree Clear Creek Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $103/yr |
| USAA | $10/mo | $116/yr |
| State Farm | $13/mo | $154/yr |
| Progressive | $14/mo | $167/yr |
| Safeco | $14/mo | $167/yr |
| Travelers | $15/mo | $180/yr |
| Allstate | $16/mo | $193/yr |
| Nationwide | $16/mo | $193/yr |
| Farmers | $17/mo | $206/yr |
| Liberty Mutual | $19/mo | $231/yr |
Discounts You May Qualify For
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Pet Policy
Bringing a pet? Here's what Oxenfree Clear Creek Apartments allows, along with the deposits and monthly pet rent to budget for.
About Oxenfree Clear Creek Apartments
From the property listing:
We're officially leasing and open for tours! Welcome to Oxenfree Clear Creek, a new for-rent townhome community in Arvada, near downtown Denver. Our three-, and four- bedroom duplex townhomes offer attached garages, private, dedicated entries into each home, open concept living, designer finishes, spacious balconies, and a maintenance free, turn-key lifestyle. Experience leveled-up living like you've never seen before -with over 25,000 square feet of pet friendly indoor and outdoor amenity spaces designed to bring the community together and make life more fun and fulfilling.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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