12344 Sondra Cove Trail N Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at 12344 Sondra Cove Trail N Rental in Arlington? Rent here runs $2,050, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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12344 Sondra Cove Trail N, Jacksonville, FL 32225

Arlington

4.4/5 ·17 reviews Google
$2,050 /month

Monthly Cost Breakdown at 12344 Sondra Cove Trail N Rental

The listed rent isn't the whole number. Here's what 12344 Sondra Cove Trail N Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,066
Base Rent $2,050
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at 12344 Sondra Cove Trail N Rental

What Affects Your Premium Here

Every building is different. These factors specific to 12344 Sondra Cove Trail N Rental can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: C

NeighborhoodScout

Safer than only 6% of US cities

What You'll Likely Pay

$16

Est. Monthly

$187

Est. Annual

$16

With Discounts/mo

$16

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 (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 12344 Sondra Cove Trail N Rental based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

Liability Coverage

$100,000 $100,000

Standard minimum for most lease requirements in Florida

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 12344 Sondra Cove Trail N Rental:

Carrier Monthly Annual
Lemonade $9/mo $107/yr
USAA $10/mo $120/yr
State Farm $13/mo $160/yr
Progressive $14/mo $174/yr
Safeco $14/mo $174/yr
Travelers $16/mo $187/yr
Allstate $17/mo $200/yr
Nationwide $17/mo $200/yr
Farmers $18/mo $214/yr
Liberty Mutual $20/mo $240/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 12344 Sondra Cove Trail N Rental.

C

Area Crime Grade

6%

Jacksonville overall is safer than only 6% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: 12344 Sondra Cove Trail N Rental has on-site security features (Perimeter fencing) that insurers recognize with premium discounts.

On-Site Security

Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 12344 Sondra Cove Trail N Rental.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

These are the additional charges beyond base rent at 12344 Sondra Cove Trail N Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

Charged per applicant.

$80

Amenities

Floor Plan Amenities

Fireplace Dishwasher Microwave Range Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 12344 Sondra Cove Trail N Rental.

Pharmacy

  • Walgreens Pharmacy 3.9
  • CVS Pharmacy 4.1
  • Walmart Pharmacy 3.4

Hospital

  • HCA Florida Atlantic Emergency 3.6
  • HCA Florida Memorial Hospital Emergency Room 3.9
  • HCA Florida Merrill Road Emergency 3.6

Gym

  • Chuze Fitness 4.1
  • Florida Extreme Fitness Center 4.7
  • Crunch Fitness - Harbour Village 4.3

Restaurant

  • Another Broken Egg Cafe 4.6
  • Don Taco Leon 4.9
  • Twin Peaks 4.6

Park

  • Huguenot Memorial Park 4.6
  • Kathryn Abbey Hanna Park 4.7
  • Oceanfront Park 4.7

Bank

  • Bank of America (with Drive-thru ATM) 2.9
  • Bank of America ATM (Drive-thru) 2.9
  • Regions Bank 3.7

Gas

  • RaceTrac 2.6
  • Circle K | Gas Station 5.0
  • Circle K 3.1

About 12344 Sondra Cove Trail N Rental

Welcome home to this inviting 3-bedroom, 2-bathroom residence located in the desirable Villas at Cross Creek. Offering approximately 1,300 square feet of comfortable living space, this home features a large, fully fenced backyard—perfect for relaxing or entertaining. Upon entry, you’ll find a nicely appointed kitchen with brand new dishwasher and stove- complete with cherry wood cabinetry, granite countertops, and an eat-in breakfast nook. The spacious living and dining area provides an open, functional layout and is highlighted by a cozy corner fireplace. The primary bedroom is generously sized and includes an en-suite bathroom with dual vanities and a large garden tub/shower combination. Two additional guest bedrooms share a full guest bathroom. For added convenience, the home comes equipped with a full-size washer and dryer. This well-maintained home offers comfort, space, and a great location—don’t miss the opportunity to make it yours. Pets are welcomed upon approval and with a pet fee. Tenant is responsible for lawn maintenance and care. No co-signors or guarantors permitted. We have a Strict NO Smoking or Vaping are permitted in or on the property. Nest Finders will not lease sight unseen. Applicants must view the property in person in order to lease it. Screening includes a credit/criminal background check, income verification of 3x the monthly rent, and rental history verification. Residents are enrolled in a required Resident Benefits Package ($42/month), including tenant liability insurance and resident services, billed in addition to rent. This home participates in a required Group Rate Internet program providing 1 gigabit-speed internet at a discounted bulk rate of $65/month, billed separately from rent. TENANT CHARGES: - Application Fee = $80.00 per adult, non-refundable Application Fee PER adult to be paid at the time of application. - Lease Initiation Admin Fee = $150.00 after approval and upon signing - Resident Benefits Package (RBP) = $42.00 per month (not optional) -Group Rate internet available- $65/month - Security Deposit = 1-2 x the monthly Rent, depending on property requirement and application score (fully refundable) - 13-month lease term PETS (if accepted on a property): - $300-$500 Pet Fee per pet and additional pet rent per pet $30-$75/mo based on Pet screenings - Paw score. - Complete the pet application at - No resident or residents at any one premises shall at any one time own, harbor, or license more than TWO total animals in any combination - Up to TWO PETS Maximum on approved properties - The pet application fee is $20 for the first pet, $15 for each additional pet TO APPLY: - Please Review application criteria and Deposit Info before applying - All applicants must complete the pet screening whether or not you have a pet. - We process all applications, and the first application that completes all the paperwork requirements and criteria will be processed first. Are you an Owner looking for a property management company? Nest Finders Property Management 9889 Gate Pkwy N, #402 Jacksonville, FL 32246 By submitting your information on this page, you consent to being contacted by the Property Manager and RentEngine via SMS, phone, or email. By submitting your information on this page you consent to being contacted by the Property Manager and RentEngine via SMS, phone, or email.

Phone: (904) 944-7702

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does 12344 Sondra Cove Trail N Rental require renters insurance?
We didn't find a public insurance requirement for 12344 Sondra Cove Trail N Rental, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 12344 Sondra Cove Trail N Rental?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 12344 Sondra Cove Trail N Rental?
Plan for $2,066 to $2,066/month all-in. That's base rent ($2,050), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around 12344 Sondra Cove Trail N Rental?
The area has a C crime grade, which is worth factoring into your coverage decisions. That puts it safer than 6 of U.S. cities. On the property itself, you'll find perimeter fencing — features that can also qualify you for insurance discounts.

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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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